21.   Nonbanks in Japan lend money borrowed from banks and other financial institutions, and take no deposits.

22.   Northern Rock added it does not intend to offer a broad range of banking services but will concentrate on traditional building society activities -- taking deposits and offering mortgages.

23.   One warning sign is that the traditional banking business of taking deposits and making loans has not expanded quickly.

24.   Others are taking deposits but restricting withdrawals.

25.   Osaka Chogin will continue normal operations, including taking deposits, until it is taken over by Chogin Kinki, the Osaka government said.

26.   Starting last summer, dealers started taking deposits against their allocation.

27.   Stirling is not regulated as a bank because it does not take deposits from the public.

28.   The chief securities regulator proposed that so-called universal banks, which have the authority to take deposits as well as underwrite stocks and bonds, assume that role.

29.   The branches generally do not take deposits and instead raise funds by borrowing from other institutions, a strategy that has now become untenable.