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