THE 77BANK, LTD.
Annual Report 2010
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, 2010, The 77 Bank had capital of ¥24.7 billion, 143 domestic branches and 2,767 employees.

Contents


THE 77 BANK, LTD. Annual Report 2010 All 1,565K
Consolidated Financial Highlights 1 109K
Message from the President 2 178K
Toward a Firmer Business Position 6 222K
Growing with the region 10 120K
77 Bank Group 11 122K
Board of Directors and Statutory Auditors 12 131K
Organization 12 131K
Financial Section
Consolidated Five-Year Summary 13 112K
Consolidated Performance for Fiscal 2010 14 102K
Consolidated Balance Sheets 15 112K
Consolidated Statements of Income 16 110K
Consolidated Statements of Changes in Equity 17 111K
Consolidated Statements of Cash Flows 18 111K
Notes to Consolidated Financial Statements 19 291K
Independent Auditors' Report 35 267K
Capital Adequacy Ratio 36 102K
Non-Consolidated Balance Sheets 37 102K
Non-Consolidated Statements of Income 38 101K
Loan Portfolio 39 113K
Bank Data 41 242K