THE 77BANK, LTD.
Annual Report 2009
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 a 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 creative bank" that creates a new era together with the region. As of March 31, 2009, The 77 Bank had capital of ¥24.7 billion, 143 domestic branches and 2,702 employees.

Contents


THE 77 BANK, LTD. Annual Report 2009 All 1,433K
Consolidated Financial Highlights 1 99K
Message from the President 2 167K
Toward a Firmer Business Position 6 214K
Growing with the region 10 117K
77 Bank Group 11 118K
Board of Directors and Corporate Auditors 12 128K
Organization 12 128K
Financial Section
Consolidated Five-Year Summary 13 105K
Consolidated Performance for Fiscal 2009 14 96K
Consolidated Balance Sheets 15 104K
Consolidated Statements of Income 16 103K
Consolidated Statements of Changes in Equity 17 104K
Consolidated Statements of Cash Flows 18 104K
Notes to Consolidated Financial Statements 19 238K
Independent Auditors' Report 31 262K
Capital Adequacy Ratio 32 96K
Non-Consolidated Balance Sheets 33 96K
Non-Consolidated Statements of Income 34 95K
Loan Portfolio 35 108K
Bank Data 37 197K