1.   A strong merchant banking contribution was more than offset by losses on investment management and stockbroking and some heavy loan provisions.

2.   Both Metrobank and PCIBank had already increased loan loss provisions earlier in the year.

3.   A conference of House and Senate lawmakers inserted the controversial savings and loan provision in late July.

4.   A senior Treasury Department official said the Clinton administration had opposed inclusion of the savings and loan provision, but wanted the overall interstate-banking bill passed anyway.

5.   Cable companies have also been lobbying Congress to make the loan guarantee provision applicable to them.

6.   CS Holding is the second Swiss bank after Union Bank of Switzerland to report that trading profits were diluted by loan provisions.

7.   Gramm is embroiled in a turf war over a particular loan provision that was not approved by his committee.

8.   Loan growth, equity securities gains and effective management of expenses offset an increase in loan loss provisions, resulting in strong fourth-quarter results for the bank.

9.   Schroeder said slight increases in charge-offs and the loan loss provision were in line with loan growth.

10.   Schmidt said it was too early in the year to decide on loan loss provisions.