目次I. ご あ い さ つ ············································································ 2
１ .経 営 理 念 ············································································ 3
２ .経 営 方 針 ············································································ 3３ .経 営 管 理 体 制 ······································································· 5４ .事 業 の 概 況 ·········································································· 5５ .事 業 活 動 の ト ピ ッ ク ス ····························································· 14６ .農 業 振 興 活 動 ······································································ 16
７ .地 域 貢 献 情 報 ······································································ 17
８ .リ ス ク 管 理 の 状 況 ··································································21
９ .自 己 資 本 の 状 況 ···································································· 30
１ ０ .主 な 事 業 の 内 容 ··································································31
II. 決 算 の 状 況 ··········································································45
１ .貸 借 対 照 表 ·········································································45２ .損 益 計 算 書 ·········································································47
３ .キ ャ ッ シ ュ ・ フ ロ ー 計 算 書 ························································ 50
４ .注 記 表 ············································································· 51
５ .剰 余 金 処 分 計 算 書 ··································································70
６ .部 門 別 損 益 計 算 書 ··································································71
７ .財 務 諸 表 等 の 正 確 性 等 に か か る 確 認 ··············································· 73
８ .会 計 監 査 人 の 監 査 ··································································73
III. 損 益 の 概 況 ·········································································74
１ .最 近 ５ 事 業 年 度 の 主 要 な 経 営 指 標 ················································· 74
２ .利 益 総 括 表 ·········································································74
３ .資 金 運 用 収 支 の 内 訳 ······························································· 75
４ .受 取 ・ 支 払 利 息 の 増 減 額 ·························································· 75
５ .事 業 の 概 況 ·········································································76
６ .経 営 諸 指 標 ·········································································86
７ .自 己 資 本 の 充 実 の 状 況 ····························································· 88
IV. 連 結 情 報 ··········································································· 102
１ .グ ル ー プ の 概 況 ···································································102
２ .グ ル ー プ の 決 算 状 況 ······························································ 104
３ .グ ル ー プ の 自 己 資 本 の 構 成 に 関 す る 事 項 ········································· 131
V. Ｊ Ａ の 概 要 ··········································································142
１ .機 構 図 ············································································ 142
２ .役 員 構 成 （ 役 員 一 覧 ） ····························································143
３ .会 計 監 査 人 の 名 称 ································································ 143
４ .組 合 員 数 ··········································································143
５ .組 合 員 組 織 の 状 況 ································································ 144
６ .沿 革 ・ あ ゆ み ····································································· 144
７ .地 区 一 覧 ··········································································147
８ .店 舗 等 の ご 案 内 ···································································147