THE 77BANK, LTD.
Annual Report 2006
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, 2006, The 77 Bank had capital of ¥24.7 billion, 141 domestic branches and 2,716 employees.

Contents


THE 77 BANK, LTD. Annual Report 2006 All 507K
Consolidated Financial Highlights 1 62K
Message from the President 2 94K
Toward a Firmer Business Position 6 112K
Growing with the Community 10 58K
77 Bank Group 11 65K
Board of Directors and Corporate Auditors 12 70K
Organization 12 70K
Financial Section
Consolidated Five-Year Summary 13 53K
Consolidated Performance for Fiscal 2006 14 46K
Consolidated Balance Sheets 15 54K
Consolidated Statements of Income 16 52K
Consolidated Statements of Stockholders' Equity 17 54K
Consolidated Statements of Cash Flows 18 54K
Notes to Consolidated Financial Statements 19 140K
Independent Auditors' Report 30 57K
Capital Adequacy Ratio 31 54K
Non-Consolidated Balance Sheets 32 46K
Non-Consolidated Statements of Income 33 47K
Non-Consolidated Statements of Retained Earnings 33 47K
Loan Portfolio 34 50K
Securities Portfolio 35 51K
Off-Balance Sheet Transactions 36 50K
International Operations 36 50K
Bank Data 37 64