THE 77BANK, LTD.
Annual Report 2003
PROFILE

The 77 Bank, Ltd., was founded in 1878 as Japan's 77th national bank.Headquartered in Sendai—the capital of Miyagi Prefecture—the Bank is the largest in the Tohoku region, with its branch network covering this area in northern Honshu, Japan's largest island. Based on its philosophy, The 77 Bank continues to strengthen its business foundation and enhance its management quality in order to be the "best regional bank," one that grows along with its customers and is committed to the sustainable development of the region. As of March 31, 2003, The 77 Bank had capital of ¥24.7 billion, 146 domestic branches and 2,975 employees.

Contents


THE 77 BANK, LTD. Annual Report 2003 All 666K
Consolidated Financial Highlights 1 14K
Message from the President 2 73K
Toward a Firmer Business Position 4 47K
Growing with the Community 8 19K
77 Bank Group 9 18K
Board of Directors and Corporate Auditors 10 81K
Organization 10 81K
Financial Section 11 32K
Consolidated Five-Year Summary 11 32K
Consolidated Performance for Fiscal 2003 12 35K
Consolidated Balance Sheets 13 36K
Consolidated Statements of Income 14 35K
Consolidated Statements of Stockholders' Equity 15 36K
Consolidated Statements of Cash Flows 16 37K
Notes to Consolidated Financial Statements 17 103K
Independent Auditors' Report 28 42K
Consolidated Capital Adequacy Ratio 29 33K
Non-Consolidated Five-Year Summary 30 32K
Non-Consolidated Balance Sheets 31 35K
Non-Consolidated Statements of Income 32 35K
Non-Consolidated Statements of Retained Earnings 32 35K
Loan Portfolio 33 35K
Securities Portfolio 34 36K
Off-Balance Sheet Transactions 35 36K
International Operations 35 36K
Non-Consolidated Capital Adequacy Ratio 36 33K
Bank Data 37 26K