EXHIBIT 21 SUBSIDIARIES OF REGISTRANT
as of December 31, 1999
(excluding inactive subsidiaries and low income housing investments, none of which is material)
| 1. | Old Kent Bank | |
| Jurisdiction of Incorporation: Michigan | ||
| 2. | Old Kent Bank, National Association | |
| Jurisdiction of Incorporation: United States of America | ||
| 3. | Old Kent Leasing Services Corporation | |
| Jurisdiction of Incorporation: Illinois | ||
| 4. | Old Kent Securities Corporation | |
| Jurisdiction of Incorporation: Michigan | ||
| 5. | Old Kent Mortgage Services, Inc. | |
| Jurisdiction of Incorporation: Michigan | ||
| 6. | Old Kent Mortgage Company | |
| Jurisdiction of Incorporation: Michigan | ||
| 7. | Old Kent Insurance Group, Inc. | |
| Jurisdiction of Incorporation: Michigan | ||
| 8. | GHA National Agency, Inc. | |
| Jurisdiction of Incorporation: Michigan | ||
| 9. | Old Kent Financial Life Insurance Company | |
| Jurisdiction of Incorporation: Arizona | ||
| 10. | Old Kent Capital Trust I | |
| Jurisdiction of Incorporation: Delaware | ||
| 13. | Lyon Street Asset Management Company | |
| Jurisdiction of Incorporation: Michigan | ||
| 14. | Old Kent Investment Corporation | |
| Jurisdiction of Incorporation: Nevada | ||
