21.   After months of debate behind closed doors, Duisenberg announced that the bank would use both money supply and inflation targets.

22.   All three had been widely used by banks on the consumer end of direct dial-up systems.

23.   But the central bank is gambling that it can trust its errant banks to use the reserves to settle stalled bills.

24.   But Treasury officials fear that banks could use the holding company structure to move bank operations into insurance or brokerage units.

25.   Early this year, the Finance Ministry allowed the banks to use reserves set aside as insurance for their trust banking business to rid themselves of bad loans.

26.   During the first quarter, the bank used part of its trading income for provisions for bad loans.

27.   For example, the OCC said standards that some banks are using to underwrite loans, particularly commercial debt, are declining.

28.   For years, banks used to pitch gold cards as high-fee, high-service cards for high rollers.

29.   Fox-Pitt, Kelton analyst Williams said the U.S. market will probably be emphasized as the bank uses the sale to raise its profile abroad.

30.   For time deposits of longer maturity, banks use yen-denominated swap rates as a yardstick to decide deposit rates.