1.   Banking analysts say one or two more regional bank failures could easily soak up the rest of the future reserves.

2.   Banking Committee officials said there is no timetable for filing the legislation.

3.   Banking industry analysts said the deal would encourage other large financial companies around the world to pursue mergers of their own to remain competitive.

4.   Banking industry analysts say that Japanese regional banks badly need to consolidate and lower costs, but progress has been slow.

5.   Banking industry executives said they expected the proposals to be adopted.

6.   Banking regulators said there is no need for Congress to pass new laws to address the rise in consumers debt.

7.   Banking officials say that the Finance Ministry has asked other banks to aid Nippon Credit in its restructuring efforts.

8.   Banking officials say they will release fingerprints to law enforcement agencies only if a check is fraudulent.

9.   Banking analysts said the partnership will allow SBC to upgrade its own technology services, an increasingly important and costly part of banking operations.

10.   Banking analysts say these loans are nonperforming, but Japanese banks disagree, saying they expect to collect some of the money.