THE 77BANK, LTD.
Annual Report 2008
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 the northern part of 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, 2008, The 77 Bank had capital of ¥24.7 billion, 139 domestic branches and 2,670 employees.

Contents


THE 77 BANK, LTD. Annual Report 2008 All 704K
Consolidated Financial Highlights 1 54K
Message from the President 2 119K
Toward a Firmer Business Position 6 121K
Growing with the region 10 60K
77 Bank Group 11 68K
Board of Directors and Corporate Auditors 12 57K
Organization 12 57K
Financial Section
Consolidated Five-Year Summary 13 56K
Consolidated Performance for Fiscal 2007 14 45K
Consolidated Balance Sheets 15 55K
Consolidated Statements of Income 16 53K
Consolidated Statements of Changes in Equity 17 58K
Consolidated Statements of Cash Flows 19 56K
Notes to Consolidated Financial Statements 20 140K
Independent Auditors' Report 31 66K
Capital Adequacy Ratio 32 46K
Non-Consolidated Balance Sheets 33 46K
Non-Consolidated Statements of Income 34 45K
Loan Portfolio 35 51K
Securities Portfolio 36 55K
Off-Balance Sheet Transactions 37 50K
International Operations 38 37K
Bank Data 39 132K