Value Creation Story

01

Top Message

Sustainability Promotion

Business Strategy

Corporate GovernanceBank Data

Financial Section

Top customer satisfaction strategy
Inspire through consulting and digital technologies!

The 77 Bank Group aims to be the leadingbank for customer satisfaction by offering
an amazing customer experience(inspiration) that competitors cannot match.
■ Providing services unique to a regional financial institution,
via face-to-face consulting and digital channels■ ‌Utilizing our strengths, including our networks outside ofJapan and information networks in the region■ ‌Surprising and inspiring customers with performance thatexceeds their expectations

Group
Group companies

Branches

Headquarters

Providing Finance & Consulting

Utilize regionaland overseas
networks

DigitalNew businesses /transformation
new sectors

Basic Strategies to Achieve “Our Target Form”

01
02
03
04
36

Top customer satisfaction strategy
Double productivity strategy
Regional growth strategy

Surprising and inspiring our customers
Improving customer satisfaction (increasing the profits of the 77 Bank Group)
Enhance corporate value

Enhance happinessCorporate culture reform strategy

THE 77 BANK INTEGRATED REPORT37

Top customer satisfaction strategy

01

Value Creation Story

Top Message

Sustainability Promotion

Business Strategy

Corporate GovernanceBank Data

Financial Section

Initiatives for business evaluations 

Initiatives for strengthening consulting sales 

In order to help customers achieve further growth, a business evaluation specialist from the Consulting Promotion Division
visits together with branch staff to understand and share management issues and provide various solutions to resolve them.
The Bank also supports the skill development of employees, such as by having external experts stationed in the Credit
Supervision Division conduct on-the-job training and other training sessions.

In order to strengthen consulting sales, we are bolstering our branch support system and assigning specialist
personnel in specialized fields within the Consulting Promotion Division.

Number of clients evaluated (cumulative) (clients)
9,000

Loan balance to clients evaluated (cumulative) (billions of yen)

6,949
6,000

977.7

1,000

8,274

800

769.3

847.2

600

0

FY202212 persons

Healthcare Team

5 persons

24,302 cases■ No. of business succession clients supported
731 clients■ No. of clients with which M&A advisory contracts were entered into
36 clients■ No. of 77 Medical/Welfare Loans executed
115 cases■ No. of solutions proposed by liaison officers from headquarters

200

FY202148 persons

Business Succession and M&A Team

(FY2022 results)

400
3,000

FY2020Regional Support Team**‌Liaison officers from headquarters are assigned to branches, etc. inside and outside Miyagi Prefecture in order tocarry out high-added-value consulting sales

5,835

0

External Sales Department, Consulting Promotion Division

FY2020

FY2021

FY2022

IT & digitalization support initiatives Consulting Sales Awards

Based on the agreement on collaboration for regional revitalization signed in June 2021 between the Bank and
NIPPON TELEGRAPH AND TELEPHONE EAST CORPORATION (“NTT East”), employees of NTT East are
stationed at the “IT Support Desk (a customer hotline for various consultations related to IT and digitalization)” aswell as the “Regional Revitalization Promotion Desk (a one-stop hotline for internal and external inquiries onregional revitalization)” from February 2022 to strengthen efforts to provide IT and digitalization support to local
businesses, etc.

With the aim of strengthening consulting-based sales capabilities, the Bank has held the “Consulting sales
awards” since FY2020 to recognize medium- to long-term efforts in consulting sales by branches.
Some Awards Received in FY2022

Supported listing on the Tokyo PRO Market
To support the listing of our client, Grantomato Co., Ltd., on the Tokyo PRO Market, we conducted a visit
accompanied by Tokyo Stock Exchange, Inc. representatives, provided various types of information, andprovided growth support to enhance the client’s corporate value through services such as financing andbusiness matching.

Regional Revitalization
Promotion Desk

IT Support Desk

(Regional Development
Promotion Division)(Digital Strategy Division)➡Support forcustomer IT anddigitalization➡Promote andsupport government
digitalization(Stationed)

Cooperation

SupportCoordination➡IT and digitalization knowledge and know-how➡Extensive track record of building IT infrastructure

In addition to interviewing customers, we hold events
such as seminars.
(Photo from a <77> Bank IT and digitalization promotion
seminar)Grantomato Co., Ltd. Head office
Provided by: Grantomato Co., Ltd.

Tokyo Stock Exchange, Inc. “The Bell”
Provided by: Tokyo Stock Exchange, Inc.

Current initiatives

38

THE 77 BANK INTEGRATED REPORT

39

Top customer satisfaction strategy

01

Value Creation Story

Top Message

Sustainability Promotion

Business Strategy

Corporate GovernanceBank Data

Financial Section

Our support options for each stage of life 
We offer various products and services to meet the needs of a broad range of customers.

Under 20
Life eventsNeeds

20s and 30s

Employment
  Schooling
Purchasing a car

Begin(financialtransactions)

40s and 50s

Marriage & Childbirth
Purchasing a home

Primary products & services(protection)

Increase

Give

Time deposits

Salary receipt

Receipt of retirement bonus and pension
77 Direct Service, 77 Bank App, 77 Card (credit card / debit card)

77
Educational
Loan
77
Educational
Card Loan

77 Loan (for automobiles, home renovations, etc.), housing loans, 77 Card Loan

Installment
investment
trust(JuniorNISA)

Installment investment trust (NISA), iDeCo

77 Elderly loan, 77 Reverse Mortgage, leaseback
Apartment loans

Investment trust, stocks, foreign currency deposits, public bonds, structured bonds, foreign bonds

Cancer insurance
Medical insurance

Individual annuity insurance, whole life insurance, income security insurance, cancer insurance, medical insurance

Educational
endowment
insurance

Nursing insurance

Trust

Testamentary trust, estate liquidation services, calendar year gift trust, testamentary substitute trust(inheritance)■ Strengthening bank-securities business■ Newly established a “77 Insurance Plaza”

Through coordination between The 77 Bank and 77 Securities, we support customers’ asset formation asa united group in order to respond to a broad range of needs.

In October 2021, we opened the “77 Ishinomaki Insurance Plaza,” our third location dedicated to insurance services,
following the “77 Izumichuo Insurance Plaza” and “77 Nagamachi-minami Insurance Plaza.”77 BANK

Coordination
Introduce customers
Link information
Exchange human resources

Began operating in April 2017

77 Securities(as of March 31, 2022)
No. of accounts opened: 18,768(cumulative)(Of which, 6,916 are referral accounts)■ We will being offering a fund wrap service (scheduled for January 2023)

40

Inheritance preparation
Nursing care

Pass down

Use (while protecting)Multi-purpose accounts, savings deposits, time deposits

Bank

Insurance

Over 80s

Retirement
Life after retirement
Grandchildren’s marriage
Birth of grandchildren
Schooling of grandchildren

Borrow(payments,
loans, etc.)(management)

Nursing care of parents
Child’s marriage

Save

Multi-purpose
accounts, savings
deposits

Securities

Child’s schooling and employment
Home renovations

60s and 70s

In August 2022, we entered into a basic agreement with Resona Bank, Limited, pertaining to fund wrap
services as a part of our joint research related to our products supporting long-term, stable asset
formation with Resona Holdings, Inc.

■ Expansion of 100% Web-based Loans
Applicable products: ‌77 Card Loan, 77 Smart Next, 77 Car Loan, 77 Wide
Loan, 77 Educational Loan, 77 multi-purpose Loan
<77> Initiatives for Operations that Put Customers FirstThe Bank and 77 Securities Co., Ltd. have established the 77 Basic Policy on Operations that Put Customer
First in order to promote the provision of quality financial products and service to customers. This policy iscomplied with executives and employees, and the status of initiatives is announced regularly.

The 77 Bank

The 77 Basic Policy on Operations that Put Customers First can be viewed here.

* Japanese Language only

77 Securities

THE 77 BANK INTEGRATED REPORT

41

Top customer satisfaction strategy

01

Value Creation Story

Top Message

Sustainability Promotion

Business Strategy

Corporate Governance

Financial Section

Building a network to connect influential customers Expanding our business domain 

The establishment of Aomori BranchWith the aim of resolving issues faced by customers and the region as we work to realize our “target form” asdescribed in “Vision 2030,” since April 2021 we have launched three new projects.
We will create profitable businesses from the process of solving regional issues while focusing on the key
points of “does it utilize the strengths of the 77 Bank Group?” and “can we leverage synergies with our existing
operations?”

Our Bank has two corporate sales offices in Aomori Prefecture, having opened the Aomori Corporate Sales Officein Aomori City in November 2006 and the Hachinohe Corporate Sales Office in Hachinohe City in September
2016.
The number of loan borrowers and the balance of loans and bills discounted in Aomori Prefecture is steadily
increasing, and based on the growing demand from existing clients and new clients in good standing for financing,business matching, and consulting services such as business succession and M&A, in September 2022 we
promoted the Aomori Corporate Sales Office to branch status, thus establishing Aomori Branch.
We hope to continue contributing to the development of the region by building a customer network spanning
the whole Tohoku region, etc.

China

MexicoShanghai
India

Hong
Kong
Myanmar

Korea
Taiwan3Singapore

Indonesia
Bank employee dispatch locations

Established 77 Partners Co., Ltd. (December 2021)
In order to solve the increasingly diversified issues faced by local companies, the 77
Bank Group established this subsidiary specializing in majority investments accompaniedby the acquisition of control over management and hands-on management execution
support. We will utilize its consulting functions to a greater level than before and build aplatform to support sustainable regional development with “regional people, things, andmoney.”

77 Partners
Mascot,Shichipato-kun

Established 77 Human Design Co., Ltd. (August 2022)
In September 2020, the Bank began offering a human resources placement service, and since then, we
have been strengthening our efforts to introduce management personnel and specialists. In order tosolve increasingly complex and diverse regional issues and support sustainable growth, we haveestablished this subsidiary which provides not only human resources placement services but alsosophisticated and specialized solutions for “people.” We plan to begin operations in January 2023 on theprerequisite of obtaining approval from the relevant authorities to conduct fee-charging employment
placement services, etc.

Philippines

VietnamThailand

1
2

Overseas network

Major partner institutions, etc.

Expansion of the fields inwhich the 77 Bank Groupis active

Considerations for entering the trust services field ~ Expanding and strengthening
our support options in an era when average lifespans approach 100 years ~With the aim of “protecting,” “growing,” and “passing on customers’ assets to the next generation,” wehave begun discussing the banking entity’s entry into the field of trust services in order to expand ourrange of attractive financial products and services. Thus far, the Bank has acted as an agent offering
trust services, but our aim is to establish a system in which the Bank can offer one-stop service frombeginning to end, subject to obtaining approval from the relevant authorities.

VOICE

Developing new businesses and new
sectors which are rooted in the region

In order to continue to discover attractive new businesses and human resources withthe ability to vigorously take on new challenges, we will hold an in-house business
contest again in FY2023, as we did in FY2022.
Last year’s in-house business contest attracted approximately 170 entries, withapplicants ranging from new employees to branch managers, and has fostered an
ambitious spirit within the 77 Bank Group.
We feel that employee-initiated discussions and explorations of ideas on launching
new businesses is symbolic of the “establishment of an ambitious corporate culture” asset forth in “Vision 2030.” We would like to expand new business areas by examining
them from many angles, such as what issues customers in local communities arefacing and what kind of connections can be made with the Bank’s business.

42

Bank Data

Group Business Strategy Section,
General Planning & Coordination Division

Takayuki Oka

THE 77 BANK INTEGRATED REPORT

43

Value Creation Story

02

Double productivity strategy

Reform channels and release from the burden of administrative work!

Top Message

Sustainability Promotion

Business Strategy

Corporate GovernanceBank Data

Financial Section

Digital transformation initiatives 
In order to become a company that customers choose, we will strive for “digital reform of the banking business,”which is our existing business domain, and develop digital technology human resources who will lead the entire
organization by planning and advancing digital transformation.

The 77 Bank Group will double productivity by releasingbank branches from the burden of administrative work,
strengthening our consulting systems, and enhancing
the abilities of each individual.
■ Labor savings through improvement of administrative
processes (reduction, consolidation, etc.) and promotion of
expansion and use of non-face-to-face transactions

Non-face-to-facechannel reform

Bank branch reform

Change customer
contact points

Change face-to-face
sales

▼

■ Optimization of sales channels based on customer needs

Release branches from administrative work
Data utilization
reformReduceadministrative
work at branches

Expandnon-face-to-facechannels▼

Digital reforms in thebanking business▼▼

Utilize data

Digital reforms
for employees

Paperwork-freereformMaximize the capabilitiesof our workforce▼

Creation of management assets

Reduce physicaltransactions andpaperwork

Certification as a “DX-certified operator”

Effectively utilize and redistribute workforce
in order to strengthen consulting capabilities

44

In May 2022, the Bank was designated as a “DX-certified operator”
based on the Ministry of Economy, Trade and Industry’s Digital
Transformation (DX) Certification system.
Based on the “Act on Facilitation of Information Processing,” “DX
certification system” is a system through which the Ministry of
Economy, Trade and Industry certifies business operators who haveformulated a corporate vision for promoting DX, have developed
systems for achieving a DX strategy, and are ready to promote DX.

THE 77 BANK INTEGRATED REPORT

45

02

Double productivity strategy

Value Creation Story

Initiatives for non-face-to-face channels Top Message

Sustainability Promotion

Business Strategy

Corporate GovernanceBank Data

Financial Section

Initiatives to reduce administrative work at branches 

A first for a regional bank in Tohoku! Implemented the “77 Business Portal”

Paperwork-free Promotion Committee

In October 2022, we will introduce the “77 Business Portal,” the first business portal website from a financial
institution in the Tohoku region, for various types of transactions with corporations and sole proprietorshipcustomers. This is a one-stop service enabling various procedures to be carried out online, such as confirming
deposits and withdrawals.
●Content of service: ‌Displaying account information, various corporate internet banking functions, notifications,service linkage

In March 2020, we established the Paper-work-free Promotion Committee chaired by the President, and we arepromoting “paperwork-free” initiatives to release bank branches from the burden of administrative work, such as theconcentration of bank branch administrative work at headquarters and revisions to inefficient administrative work.

Improving the convenience of the 77 Bank App and other services
We are working to enhance customer convenience by expanding service
functions while improving the UI and UX of the Bank App and other services.

Results of FY2022 initiatives▪Reduction and simplification of administrative processes▪Reduction of number of visiting customers and in branch administration

Expansion of services subject to HQ centralization

Promotion of non-face-to-face-channel usage

・Expansion in number of branches using support office・Expansion of 100% Web based loan targets(35 branches as of the end of FY2022)

Reduction and simplification of counter administration
・Revision of inheritance administration

Initiatives for data utilization 

Reduction of inefficient administration specific toindividual companies
・Promoted the adoption of electronic banking

Enhancement of financing administration efficiency(through reduction/simplification/centralization)

Full-scale implementation of “AMATERAS RAY,” a service to bring AI in-house
In May 2022, we began full-scale introduction of “AMATERAS RAY,” provided by aiforce solutions Inc.* to enablein-house capability of data analysis through the use of AI. With this tool, AI models can be built in as little as a few
days, and data analysis can be performed using AI without the need for specialized knowledge. By building AI
models and analyzing data on their own in a short period of time, bank employees will be able to apply AI to awider range of operations with greater flexibility than ever before. We will work to enhance the sophistication ofbanking operations by proposing optimal services based on analysis of customer needs and improving theefficiency of management work, etc.
*‌On May 2, 2022, aiforce solutions Inc. sold all of its shares to AI inside Inc. and merged its management. However, “AMATERAS RAY” continues tobe provided as a service.

Initiatives for developing digital technology human resources Strengthening the development of digital technology human resources
In order to meet customers’ needs and challenges related to IT and digitalization, and to accelerate digitaltransformation (DX) initiatives within the Bank, we will strengthen the development of “digital technology humanresources” who have knowledge of both business and digitalization and who will be responsible for DX.

・‌Partial centralization of credit rating and retail loanadministration at HQ

Main initiatives in FY2023
In FY2023, in addition to expanding the number of branches using a support office and promoting non-faceto-face-channel usage, we will work to reduce administrative work by implementing new systems.

Introduction of “branch tablets”
We will introduce “branch tablets” from January 2023.
Procedures for transactions can be completed by entering information on
the screen, shortening processing time through this “paperless,” “seal-less”
method.
‌Applicable procedures (as planned): Opening ordinary deposit accounts,●
opening or closing time deposit and savings deposit accounts,
making changes to registered information, switching to a WEB Passbook,reissuing an ATM card or passbook, etc.

(Target for March 31, 2025)

Specialist
human resources

From among core human resources, develop human resources thathave specialist knowledge and skills pertaining to data analysis, AI, andother subjects, and who are capable of taking the lead in DX.

・Dispatch to external companies, etc., coordination with external companies (e.g., AI-related)・‌Develop the Bank’s in-house human resources by assigning permanently stationed employees, anddevelop by enabling in-house capability of data analysis

Core humanresources

Develop human resources who have both business skills and digitalknow-how, and who can formulate and implement digital strategies andmeasures・‌Implement the “Digital Core Human Resources Development Program” (an in-house training newly
established in FY2023)

Base humanresources

Develop human resources who are interested in the digital sector andbegin learning on their own, who form the foundation for digitaltechnology human resources.

・‌Educate employees on the necessity of digital literacy in conducting banking business, proactively
propose the Bank’s non-face-to-face services, and encourage employees to acquire the IT Passportqualification.

46

10 people
or more100 people
or more1,200 people
or more

VOICE

Towards the expansion of
our digital technology

The business environment is shifting due to the rapid advancements in digitalization,and “digital transformation” is set forth as a key factor in “Vision 2030,” our vision forpaving the way to a new future.
In addition to reforming our existing banking business to improve labor productivity
and reduce the volume of administrative work, we are also strengthening thedevelopment of digital technology human resources to meet the digital needs andchallenges of our customers. As an additional effort, from April 2022, we havedispatched employees to Tohoku University in order to develop “specialist humanresources” in fields such as data science, which are difficult to develop within the Bank.
We intend to enhance the Bank’s brand strength by leveraging digital technology toprovide new value and experiences to our customers.

Manager, Digital Strategy Section,
Digital Strategy Division

Yasushi Shibata

THE 77 BANK INTEGRATED REPORT

47

Value Creation Story

03

Regional growth strategy

Achieve sustainable growth in the local community!
The 77 Bank Group will work to achieve sustainablegrowth together with the local community by making
the region attractive and supporting the growth of
inspirational local companies.

3・‌Support for founding and secondary
founding・‌Assistance with funding throughventure funds, etc.
・‌Cooperation for various events and
77 New Business Subsidies

Promotion of urban
development
・‌Participation in regional
development projects
・‌Promotion of public-private
partnership projects
・‌Support in coordination withexternal institutions (MAPP)

Business Strategy

Establishment of the “<77> Startup Support Desk”
In addition to support for procuring financing, the Desk
responds to a wide range of consultations for customers to
expand their businesses and resolve management issues.
(FY2022)■ No. of consultations

134 cases[Primary types of support]“Founding Support Package”■ Strengthening and utilizing partnerships with external

Public support systems

Business matching

Crowdfunding

Joint financing with Japan Finance Corporation

2

Bank Data

Financial Section[Support desk overview]
Customers in the founding stage
Consultations
Consultations
via website oremail

The 77 Bank head office and branches
Conveyance<77> Startup Support Desk
(Regional Development Promotion Section,
Regional Development Promotion Division)

Coordination and support

Public support institutions

The Bank partners

Expansion of “<77> Founding Support Package”
We have expanded our products and services to provide even more
support for the growth of customers in the founding stage.

Support and developmentof regional core companies(Applicable customers)
Corporate customers who have a deposit account with the Bank and who arewithin five years of establishment

・Support for growth of local enterprises
・Business matching and sales channel cultivation
・Support for industry-academia cooperation
・IPO assistance(1) No contract fee for corporate internet banking(2) No 77 Card annual membership fee for the first year(3) ‌No usage fee for Money Forward Cloud (Back office SaaS) for 2 months(4) Free preparation of a subsidy assessment form(5) ‌One free distribution each month with our Press Release Distribution
Service (until after two years from establishment)(6) ‌No initial setup fees for our subscription-type website creation service(7) ‌No basic monthly charges for 3 months from applying for 77 Big Advance・Assistance with utilization of subsidies, etc.
・Human resources placement

4

Corporate GovernanceInitiatives for the support for founding and new businesses 

Financing<Regional Revitalization Mission>: four key items of implementation

1

Sustainability Promotion■ Building true partnerships to realize a future envisioned
together with regional public bodies
partner institutions and private-sector companies, etc. whohave consulting functions

Support for founding
and new businesses

Top Message

創業応援
パッケージ

～♬
シカ
する
応援

ップ
「77スタートア
として、メンバーズ ※ 」
等の補助 金・セミナー
します!
案内
時ご
情報を随

創業期のお客さまをさまざまなメニューで応援いたします。
お申込みいただけるお客さま

当行に預金口座をお持ちの設立後5年以内の法人のお客さま

注1.以下のお客さまは本パッケージのお申込み対象外です。
合併等により設立された法人、
その他（個人事業主の方、
公益法人、
監査法人、
宗教法人、
独立行政法人）注2.設立年数によっては、一部特典をご利用いただけない場合があります。

お申込み手続き最終ページの申込書をお近くの
七十七銀行の窓口に持参

七十七銀行にて確認

七十七銀行から「創業応援
パッケージ加入証」
を交付

手続き完了

お申込みいただくと、7つの特典 を受けることができます。
くわしくは中をご覧ください。
お申込みは七十七銀行の本支店で承ります。

〈七十七〉スタートアップ・サポートデスクへのSupport for promotionof tourism, etc.
・‌Support for feasibility and growth of
tourism-related industries・‌Assistance with promotion of
inbound travel・‌Assistance with preparation of
tourist intake framework

ご相談等を希望する場合は、右記の2次元バーコード、
URL、Eメール等からお気軽にお問い合わせください。

https://www.77bank.co.jp/77bank/chihousousei/
startup_support/index.html
Eメールアドレス

77-sougyo＠77bank.co.jp※創業応援パッケージをお申込みいただくと「77スタートアップメンバーズ」
として登録されます。
2022年8月1日現在

Holding of “<77> Open Innovation Pitches”
In April 2022, we held an event for startups to make pitches
to local companies in order to revitalize the regional
economy by creating new innovation through collaboration
between startups and local companies. By creating
opportunities for both startups and local companies to solve
their respective challenges, we aim to achieve sustainablegrowth for both companies.

Revitalizing regional industry, economy and living48

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49

03

Regional growth strategy

Value Creation Story

Initiatives for the support and development of regional core companies 
IPO assistanceHolding of business matching events

We are driving various support initiatives with the aimof producing listed companies from the Tohoku region.

We support the development and expansion of sales
channels through business matching by utilizing
specialists from within and outside the Bank. In
organizing more than 50 business meetings, we
provide full support for exhibitions and individual
business meetings.

Partnership with Tohoku University and Tokyo
Stock Exchange[Main types of support]
Tokyo Stock

Exchange●Plan formulation support‌Promoting stock exchange●
listing
Tohoku●Dissemination of
The 77 Bank
University
information●Holding seminars, etc.

Partnership with
Sendai City
We utilize the above tri-party
partnership to support thelisting of “Sendai Future Generating Companies”
designated by the city of Sendai.

Appointment of IPO Promotion Officers
Employees who gained practical IPO experience asTokyo Stock Exchange trainees have been assigned
as IPO promotion officers.

We held a matching event aimed at resolving
the various regional issues faced by regional
public bodies, and a discussion forum where
members of private-sector businesses gave
presentations to share regional issues.

Sustainability Promotion

Business Strategy[Support examples]

We supported the expansion of sales channels forprefectural products and established a match between
IBEX Airlines Co., Ltd. and Sasakei Co., Ltd.

Bank Data

Financial Section

As a part of our efforts based on the “Agreements on Comprehensive cooperation for Regional Revitalization”
with regional public bodies and other agreements, we have formed the “Miyagi Wide-area PPP Platform(nickname “MAPP”)” as a space for continual information sharing and encouraging dialogue between the
public and private sectors for the utilization of private-sector funds and know-how.

Miyagi Wide-area PPP Platform［Core members］
77 Research andConsulting, etc.

[Major business meetings we hold]・‌D elicious Yamagata and Food Kingdom Miyagi
Business Meeting・Regional Bank Food Selection, etc.

Corporate Governance

Formation of the “Miyagi Wide-Area PPP Platform (nickname “MAPP”)”(Established in January 2020)

The 77 Bank

●Dissemination and ●Human resource
awareness-raisingdevelopment function
function●Execution support ●Exchange function
function［Support members］

Regional public bodies(In Miyagi Pref. agreements such as“Agreements on Comprehensive cooperation for
Regional Revitalization” have been signed with
Miyagi Pref. and all 35 of its municipalities)●Public-private ●Information
dialogue function dissemination
function

Photo from IBEX Airlines official
online shop

Development Bank of Japan(Regional research department, Tohoku branch)
Think tankTohoku University, Miyagi University,
Tohoku Institute of Technology, etc.
Tohoku PPP/PFI Association, etc.
Individual market soundings
for each project

Private companies
Real estate, construction, trading, lease, IT services,
consulting, communications, media, etc.

Promotion of urban development 
Activities through MAPPTop Message

Support for promotion of tourism, etc. 
Donation of funds to
Photon Science Innovation Center
In January 2022, we presented a donation to the
Photon Science Innovation Center, which is thebusiness entity of the Next-generation synchrotron
radiation facility (nicknamed “NanoTerasu”), for the
purpose of further contributing to regional
revitalization.

Support for promotion of tourism utilizing government crowdfunding
As a new initiative to attract tourists, we are providing
support together with our business matching partners
for crowdfunding efforts launched by regional publicbodies, etc.
As the Bank’s first case of government crowdfunding
support, we supported a crowdfunding-based
fundraising project by the town of Ogawara in Miyagi
Prefecture.

The 77 Bank
Business
partnership

Project support
Advertising support

Ogawara Town
Provide platform

Utilization of
crowdfunding

Donations ⇔Gifts provided
in returnSupporters

Crowdfunding businessInitiatives of the Financial Network of+
TOHOKU Tourism (“FINE Tohoku”)*

Support for the regional revitalization
telework promotion planAs part of the “FINE Tohoku” initiative, we are holding an
Instagram photo contest in collaboration with General
Incorporated Association Tohoku Tourism Promotion
Organization.

We signed an agreement with the town of Kami
and three private companies to promote telework
through a public-private partnership, the firstinitiative of its kind for our Bank. We provide
information and finance support to promote theutilization of our satellite offices, etc.

+

50

Left: ‌Chief Director Takata of the
Photon Science Innovation Center
Right: President Kobayashi of The 77 Bank*‌A network formed in 2017 when six Tohoku region banks—Aomori Bank, Akita
Bank, the Bank of Iwate, Yamagata Bank, Toho Bank, and 77 Bank—enteredinto the “Cooperative Business Agreement on Support for Tourism Promotion
Projects” with the Development Bank of Japan.

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51

Value Creation Story

04

Corporate culture reform strategy
Virtuous circle of ambition, confidence, and cheerfulness!

Top Message

Sustainability Promotion

Business Strategy

Corporate GovernanceBank Data

Financial Section

Initiatives to foster an ambitious spirit Holding of “Business Contest”
As part of our efforts to develop new businesses and sectors, we held a “Business Contest” in which all officers
and employees came up with new business plans and submitted them. We plan to hold the Business Contest

The 77 Bank Group will endeavor to promote
diversity, and create a virtuous circle where all
officers and employees take on new challenges,
leading to confidence and cheerfulness.

again in FY2023 and will call for applications on the topic of the SDGs.
(FY2022)■ ‌Total no. of

Foster an ambitious spirit

Promote diversity

170 cases

Business Contest applications■ Accommodate a diverse range of values and fundamentally overhaulingpersonnel and organizational systems to increase motivation■ Create an environment that permits trial and error andvalues the act of taking on new challenges.
■ Boost in level of organizational capability through improved
specialization and vitalization of communication■ ‌Forming of complete internal control environment tosupport reforms(The no. of applicants was 331)

■ No. of Business Contest prizes won

7 cases

Implementing the “Job Entry” system and “Headquarters Operations Trials”
In addition to the “Job Entry” system, which aims to improve the morale of employees and the organization as awhole by enabling people to take on challenges in their desired area of work, the “Headquarters Operations
Trials” are conducted as an initiative to increase employee motivation through career development support.
(FY2022)Develop human resources■ No. of trial participants

76 persons

Enhancement of communication in the workplace to disseminate “Vision 2030”

Confidence

The President and other officers are holding individual briefings at all branches to promote understanding of“Vision 2030,” which was launched in April 2021, within the Bank, and to transform the mindsets of employees.
In addition, in FY2023, we held the “77 President’s School” for employees at the headquarters who are at or
below the rank of deputy section/office manager, as well as the “Management Plan Explanatory Meetings for

Virtuous
circleAmbition

Branch Employees” held by executive officers.
At these explanatory meetings, we provide time for question-and-answer sessions to encourage active

Cheerfulness

communication between officers and branch employees, etc.

Establish an ambitious corporate culture“Vision 2030” briefing held by President Kobayashi

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Corporate culture reform strategy

Value Creation Story

Top Message

Sustainability Promotion

Business Strategy

Corporate GovernanceBank Data

Financial Section

Developing human resources that serve a purpose for customers and local communities 

Spreading an awareness of diversity and inclusion 

In addition to working for the development of bank employees having high-level consulting knowledge andcapabilities, we are endeavoring to expand their scope of active participation through efforts such as dispatch
outside the Bank.

To accommodate diverse values, we are strengthening our efforts to support women’s careers, as well as
conducting management training and recruiting activities to enable the active participation of a diverse workforce.

Independent
learning[Knowledge & skills]

OJT

Training[Practical training]

Holding of “women’s career advancement program”

Employees’ target form / Career vision

Basic approach to humanresource development[Practical abilities]

Desire for growth / Motivation

In order to further promote diversity through additional support for the active participation of women, we hold the“women’s career advancement program,” a training program for employees in charge of clerical work, with theaim of fostering an awareness of career design focused toward management positions.
(FY2022 results)■ “Women’s career advancement program” participants 

Establishment of the “Women’s College”<Training system chart>
OFF JT 

In FY2023, a new training program was established for women in managerial positions to help them ascertain
the leadership style that leverages their own strengths and acquire the management skills, etc. demanded bymanagerial positions.

External training
Strengthen management abilities

Develop specialists

Proportion of female managers●In Japan●Outside Japan●In Japan●Outside Japan

Branch manager course
Middle manager training course
Mid-level employee development
courseSenior leader training course
Mid-level leader training course
Female manager training course
Female management position step-up
courseManagement improvement seminar
Short-term MBA

Overseas training for branch generalmanagers

MBA in Japan
MBA at International University of Japan
MUFG Bank trainee
Mizuho Bank trainee
Tohoku University Graduate School
Institute for Small Business
Management and Technology
Skill up course for personal banking
transactions
Corporate management consulting course

Trainees outside Japan
・New York・London・Singapore
・Dalian・Shanghai・Thailand
・Vietnam

Level-specific training

30.0

％

30

20

13.4

14.2

FY2021

FY2022And many others

Divided by work duties●Branch-related work

●Securities-related work

Company screening training workshop
Training workshop for employees newly appointed to loan-related work
Consumer loan training workshop
Individual guidance from the Credit Supervision Division
Region-specific training workshops by the Credit Supervision Division

Training workshop for consultations at
branch counters

Treasury Division trainee(as of April 1, 2022)●IT-related■ Registered non-Japanese employees ●Sales-related work
Intro to consulting program
Strengthening corporate consulting capabilities program
Strengthening personal consulting capabilities program
Training workshop to strengthen trust business
Service care attendant training workshop
Training workshop for counter sales of investment trusts
Training workshop for counter sales of life insurance●Internal administrative work

Training workshop to strengthen theutilization of IT & digital■ Registered midcareer hires ●International work

FY2026(Interim target)

FY2031(Target)Promoting the active participation of diverse human resources●Loan-related work

Training workshop on exchange
services

TargetOver 30%0Operations-specific training●Management training

18.0

10

In-house group training

Practical management training
workshopManagement reflection workshop
Newly appointed branch generalmanager training workshop
Newly appointed deputy generalmanager training workshop
77 Business School
Women’s College
Newly appointed deputy head training
workshop
Women’s career advancement
programThird-year employee career design
training workshop
Second-year employee training
workshop
New employee training workshop
Pre-entry training workshop

30 persons

4 persons17 persons

Training workshop on foreignexchange practices
Training workshop to support
international business

VOICE

OJT 
●Orientation education●Workplace training

Job Rotation System
Brother-Sister System
Pre-Mentor System
Credits Approval System
New employee notes

System of Short-term Training at Other
Branches
Various DVDs

●Motivation and opportunities‌
education
Self-development sheet
Short-term Assignment System
Mentor System

Self-development ●Level up●Challenge

Various online courses Various reference materials
e-Learning: “SD Web Support”

Various licensing examinations Various public qualifications

Cultivating attractive human resources“Human resources” are one of the 77 Bank Group’s largest assets. Thus far, the Bank has
been actively engaged in human resource development, and, in FY2023, we plan toincrease the number of participants in level-specific training programs to foster
management skills and career awareness to approx. 1,600 (from approx. 1,100 in
FY2022), in order to “foster an ambitious spirit,” which is required for our corporate culture
reform. In addition, we will work to develop human resources with expertise by expanding
topic-specific training programs to strengthen consulting capabilities, dispatching trainees
outside the Bank, and encouraging the acquisition of qualifications for self-development.
We will continue to strengthen our investments related to human resources, which willcontribute to the development of “human resources that serve a purpose for customers
and local communities” and “human resources that contribute to corporate reform.”

Manager, Training Section,
Personnel Division

Yohei Sato

Incentive pay system for self-development and acquiring qualifications Self-development guide
77 Business College (seminars on holidays and weekday evenings)

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