21.   Hollinger is restructuring its shares, and CIBC has beneficially owned the shares it gained control of since the trust was established, the bank said in a statement.

22.   Industry analysts say other banks and brokerages will probably collapse in the coming years as Japan deregulates its financial markets.

23.   Investors say bank and real estate shares, which should benefit the most from a cut in rates, have shown little response.

24.   Japanese banks are said by other bankers to be hesitant to commit to the proposal until the South Korean position on a repackaging becomes clearer.

25.   Officials have said the banks and other properties belonging to Cabal Peniche might have to be sold to pay creditors and shareholders.

26.   Okuyama used the money to cover up losses in a real estate venture he was involved in, the bank said.

27.   Prevost-Desprez, say the banks, reckons that these requests were a clear signal to take extra care.

28.   Price growth will be restrained by falling unit wage costs and tough price competition on world markets as Asian companies benefit from plunging currencies, the bank said.

29.   Restructuring will help Nippon Credit return to profitability and pay for writing off bad loans, the bank said.

30.   Shanks said banks and co-op boards were often reluctant to allow parental purchases, out of a fear of absentee owners.