The provisions of Article 5, paragraph (1) of the new Act do not apply until the last day of the five-year period that runs from the day on which this Act comes into effect (hereinafter referred to as the "effective date") for a bank that is deemed, pursuant to the provisions of the preceding Article, to have obtained the license of the Minister of Finance referred to in Article 4, paragraph (1) of the new Act (hereinafter referred to as a "bank licensed under the former Act"), whose amount of capital at the time this Act comes into effect is less than the amount that is specified by Cabinet Order based on the provisions of Article 5, paragraph (1) of the new Act.