THE 77BANK, LTD.
Annual Report 2012
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, 2012, The 77 Bank had capital of ¥24.7 billion, 141 domestic branches and 2,898 employees.

Contents


THE 77 BANK, LTD. Annual Report 2012 All 1,740K
Consolidated Financial Highlights 1 115K
Message from the President 2 159K
The Great East Japan Earthquake and Measures Taken by the Bank for Reconstruction and Revitalization 5 98K
Toward a Firmer Business Position 6 215K
Growing with the region 10 120K
77 Bank Group 11 123K
Board of Directors and Statutory Auditors 12 131K
Organization 12 131K
Financial Section
Consolidated Five-Year Summary 13 117K
Consolidated Performance for Fiscal 2012 14 107K
Consolidated Balance Sheets 15 116K
Consolidated Statements of Operations 16 116K
Consolidated Statement of Comprehensive Income 16 116K
Consolidated Statements of Changes in Equity 17 116K
Consolidated Statements of Cash Flows 18 116K
Notes to Consolidated Financial Statements 19 316K
Independent Auditors' Report 39 385K
Capital Adequacy Ratio 40 107K
Non-Consolidated Balance Sheets 41 107K
Non-Consolidated Statements of Income 42 106K
Loan Portfolio 43 119K
Bank Data 45 219K