FINANCIAL REPORT 2018

Contents

Message from the Management

2

Operating Results

3

Cash Flows

4

Consolidated Financial Statements

5

Directors and Corporate Auditors

11

Status of Principal Shareholders

11Bank Data

11

Bank Network

111

Message from the Management
We would like to thank you for your ongoing support of the Chukyo Bank.
This disclosure report presents the settlement of accounts for the fiscal year ended March 31,
2018. We hope that reading this report will help you gain a deeper understanding of the Bank.
Japan’s economy has been continuing along a course of moderate recovery, enjoying
improvement in corporate earnings boosted by a pickup in exports and increased production, andbenefiting also from increased capital investment. In the Tokai region, the positive stance ofcompanies toward capital investment was maintained as exports and production increased due to amoderate recovery in overseas economies, and consumer spending was also moderately picking up
following improvements in the employment and income environment.
Amid such economic conditions, the role of a regional financial institution that supports
customers in the region and contributes to the region’s economic growth is becoming increasingly
important. To that end, the Chukyo Bank aspires to realizing its management vision of being “Thefirst bank to ask for advice.” By working to further improve the quality of our service, we want tocontribute to greater business growth and lifestyle enrichment for our customers.
Based on these ideas, we launched the 17th Medium-Term Management Plan “Chukyo Action
Plan 17” in April 2018. Working under this plan we are carrying out various measures driven by
three basic strategies “strengthening sales capabilities,” “enhancing productivity,” and “developing
personnel” based on the theme of “achieving further growth as an urban-style regional bank.” Thebusiness model of an urban-style regional bank is one where there is a network of branches in a
major city, but where those individual branches don’t possess full banking functions on astand-alone basis and instead provide full banking functions by working together in small-area
networks. The advantage of this model is that sustainable growth can be delivered even inside
existing markets. We will answer the diversifying needs of our customers, thereby contributing to
the development and invigoration of the regional economy through financial services.
All of us at the Bank, employees and directors alike, would appreciate your continued support
and patronage as we implement a range of initiatives.
August 2018
Ryo Nagai, President

2Operating Results
Looking back on the domestic economy last year, conditions have been continuing along acourse of moderate recovery, enjoying improvement in corporate earnings boosted by a pickup inexports and increased production, and benefiting also from increased capital investment.
In the Tokai region, the positive stance of companies toward capital investment was maintained
as exports and production increased due to a moderate recovery in overseas economies, andconsumer spending was also moderately picking up following improvements in the employment
and income environment.
Amid such economic conditions, the monetary situation in Japan continued to be under the
influence of quantitative and qualitative monetary easing with long- and short-term interest rate
control by the Bank of Japan, which resulted in a range of movement of long-term interest rate ofminus 0.02% to plus 0.10%. In addition, the range of movement for the overnight interest rate wasminus 0.08% to minus 0.02%. In the stock market, the Nikkei Stock Average showed an upward
trend for the overall fiscal year, but it began falling from February onward on account of concerns
over uncertainty in the overseas economy. The index closed at ¥21,454 as of the end of March 2018,up ¥2,545 from a year earlier.
Under these financial and economic conditions, the Bank implemented a range of measures
under its 16th Medium-Term Management Plan launched in April 2015 and strove to increase its
corporate value as a regional financial institution with a strong presence.
In services for individual customers, the Bank has started an e-money charging service and isoffering a smartphone app. In addition, it ran various marketing campaigns for time deposits andforeign currency time deposits supporting their stable asset formation, and added more investment
trusts and insurance products to its lineup. Through these initiatives, the Bank worked to respond todiversifying needs of customers.
In services for business customers, the Bank worked to respond to broad ranging needs throughoffering finance properly evaluated on the strength of the business as a proactive measure to meetdemand for sound financing, and strengthening initiatives for providing support to businesses
starting up and new businesses, overseas expansion support, proposals for business succession andbusiness matching.
As part of its initiatives for regional revitalization, the Bank strengthened its cooperation withlocal government organizations, economic organizations and universities in the regions where it
operates, aiming to encourage and develop regional industry and economy. Moreover, for customers
taking initiatives to utilize regional resources or enhance the competitiveness of regional industry,
the Bank actively proposed loan products “Chukyo Chihou Sousei Fund – α.” In regard to its
internal organization, the Bank established the Business Evaluation Office to evaluate theusefulness of the business models of mid-level risk companies so that the bank could gain a clear
picture of each company’s risk-taking capabilities. With this establishment, the Bank started an
initiative to conduct a proposal-based business solution service, which involves analyzing thebusiness activities and growth potential of customers who are engaged in business and developing a
dialogue with these customers.
With respect to branches, the Bank established Ichinomiyaminami Branch in a newly built
building in May, 2017 and relocated the Kachigawa Branch to a newly built building in July of thatyear. Through enhancing the branch infrastructure in this way, the Bank strives to improve theconvenience of customers.

3

The number of branches including the Head Office and the Internet branch as of March 31,2018 stood at 87. ATMs installed at non-branch locations stood at 45 locations, a decrease of one
from the previous fiscal year-end. The Bank continues to examine the possibilities in regard to
future relocation or merger of branches and ATMs at non-branch locations, while considering theconvenience of customers in the region.
Moreover, in line with the policy of its environmental declaration “We make a contribution to
the regional community through our environmentally friendly activities,” the Bank continued tooffer “Eco Time Deposits” in the fiscal year under review, a part of the balance of which was
donated to a greening organization. Part of the trust income from the “Eco Investment Trust” wasdonated to an environmental preservation fund.
The Bank will continue to make an active contribution to society through its environmentallyfriendly activities.
As a result of these initiatives, the operating results for the Bank and its consolidated
subsidiaries were as follows.
The balance of deposits (including negotiable certificates of deposit) as of the end of the fiscal
year stood at 1,770.0 billion yen, an increase of 20.9 billion yen from the end of the previous fiscal
year. This increase reflected efforts by the Bank to respond to the fund management needs ofcustomers by offering appealing products through conducting various campaigns.
Loans and bills discounted totaled 1,303.3 billion yen as of the end of the fiscal year, an
increase of 5.7 billion yen from the end of the previous fiscal year. This increase mainly reflects thepromotion of financing for medium- and small-sized businesses that bases evaluation mainly on
business attributes, and initiatives for housing loans targeting individual customers.
The balance of securities at the end of the fiscal year stood at 555.5 billion yen, a decrease of
23.1 billion yen year on year mainly due to redemption of domestic bonds.
In terms of income, total income declined by 874 million yen year on year to 29,852 million yen,mainly reflecting a decline in interest on loans and discounts due to lower yields and a decline in thereversal of reserve for possible loan losses. Total expenses increased 38 million yen year on year to25,680 million yen, due to an increase in impairment loss on long-lived assets largely offset by adecline in personnel expenses. As a result, profit attributable to owners of the parent decreased 599
million yen year on year to 3,080 million yen.

Cash Flows
Cash flows for the fiscal year ended March 31, 2018 were as follows. Net cash provided byoperating activities totaled 8,848 million yen, mainly due to an increase in deposits. Net cash
provided by investing activities totaled 24,373 million yen, mainly due to proceeds from maturities
of securities. Net cash used in financing activities totaled 12,239 million yen, mainly reflecting
redemption of subordinated bonds.
As a result of the above, cash and cash equivalents at the fiscal year-end totaled 66,831 million
yen, an increase of 20,938 million yen from the previous fiscal year-end.

4

Consolidated Financial Statements
THE CHUKYO BANK, LIMITED AND SUBSIDIARIESCONSOLIDATED BALANCE SHEETSMARCH 31, 2018 AND 2017

ASSETS:Cash and due from banks
Securities
Loans and bills discounted
Foreign exchange
Other assets
Premises and equipment
Intangible assets
Net defined benefit asset
Deferred tax assets
Customers’ liabilities for acceptances and guarantees
Reserve for possible loan losses
Total assets

Millions of Yen
2018
2017

Thousands of
U.S. Dollars
2018

67,330555,578
1,303,315
7,988
11,887
19,359
2,722
32
564
4,145
(8,455)
1,964,467

46,485
578,762
1,297,534
6,169
8,270
19,930
3,265
931
4,811
(9,906)
1,956,255$ 633,753
5,229,461
12,267,648
75,188111,888
182,219
25,621
301
5,308
39,015(79,583)
18,490,841

1,770,002
18,30330,51928
5,000
18,915
151
355
554
4,824
2,562
4,145
1,855,363

1,749,055
15,00030,1051
15,00024,176
1,759
372
567
5,082
2,626
4,811
1,848,558

16,660,410
172,279
287,264263
47,063
178,040
1,421
3,341
5,214
45,40624,11539,015
17,463,883

31,84423,99429,751

31,84423,85627,551

299,736
225,847
280,035

(205)

(229)

(1,929)18,728
(318)
5,391
(304)
108,883
220
109,103¥ 1,964,467

20,473(285)
5,406(1,099)107,516180
107,697¥ 1,956,255

176,280(2,993)50,743(2,861)
1,024,877
2,070
1,026,948$ 18,490,841¥

LIABILITIES:
Deposits
Call money and bills soldPayables under securities lending transactions
Borrowed money
Foreign exchange
Subordinated bonds
Other liabilities
Net defined benefit liability
Reserve for reimbursement of dormant deposits
Reserve for contingencies
Deferred tax liabilities
Deferred tax liabilities for land revaluation surplus
Acceptances and guarantees
Total liabilities

EQUITY:
Capital stock:
Common stock –authorized, 50,000 thousand shares;
issued, 21,745 thousand shares in 2018 and 2017
Capital surplus
Retained earnings
Treasury stock, at cost –71 thousand shares in 2018 and77 thousand shares in 2017
Accumulated other comprehensive income:Net unrealized gain on available-for-sale securities
Deferred loss on derivatives under hedge accounting
Land revaluation surplus
Remeasurements of defined benefit plans
Total
Share acquisition rights
Total equity
Total liabilities and equity

5¥THE CHUKYO BANK, LIMITED AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF INCOMEYEARS ENDED MARCH 31, 2018 AND 2017
Thousands of
U.S. Dollars
2018

Millions of Yen
2018
2017
INCOME:Interest income:Interest on loans and discounts
Interest and dividends on securities
Other interest income
Fees and commissions
Other operating income
Reversal of reserve for possible loan losses
Gain on sales of premises and equipment
Recoveries of written-off claims
Other income¥

Total income

13,544
7,258
142
5,424
1,751
7
117
4
1,600

¥

14,170
7,184
133
5,191
1,555
763
22
1
1,703

$

127,484
68,317
1,336
51,054
16,48165
1,101
37
15,06029,85230,726

280,986

459
0
86
789
2,003
1,908
18,807
26
493
1,105

894
10
189
626
1,859
1,618
19,059
9
289
1,086

4,320
0
809
7,426
18,853
17,959177,023244
4,640
10,400Total expenses

25,68025,642

241,716

PROFIT BEFORE INCOME TAXES

4,171

5,084

39,260

INCOME TAXES:
Current
Deferred
Total income taxes

787
304
1,091

750
587
1,337

7,407
2,861
10,269PROFIT

3,080

3,746

28,990-67-

EXPENSES:Interest expenses:
Interest on deposits
Interest on borrowings
Interest on bonds
Other interest expenses
Fees and commissions
Other operating expenses
General and administrative expenses
Loss on sales and disposal of premises and equipment
Impairment loss on long-lived assets
Other expenses

PROFIT ATTRIBUTABLE TO NON-CONTROLLINGINTERESTSPROFIT ATTRIBUTABLE TO OWNERS OF THE PARENT

¥

3,080

PER SHARE OF COMMON STOCK:
Basic earnings
Cash dividends applicable to the year¥

142.08
40.00

¥

3,679

$

¥

169.9922.00

U.S. Dollars
$
1.33
0.37

Yen

6

28,990THE CHUKYO BANK, LIMITED AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF COMPREHENSIVE INCOMEYEARS ENDED MARCH 31, 2018 AND 2017
Thousands of
U.S. Dollars
2018

Millions of Yen
2018
2017
PROFIT
OTHER COMPREHENSIVE INCOME:
Net unrealized loss on available-for-sale securities
Deferred gain (loss) on derivatives under hedge accounting
Land revaluation surplus
Remeasurements of defined benefit plans
Share of other comprehensive income of associates accounted forusing equity method
Total other comprehensive income¥

COMPREHENSIVE INCOME

¥

2,086

¥

(439)

$

19,634COMPREHENSIVE INCOME ATTRIBUTABLE TO:
Owners of the parent
Non-controlling interests

¥

2,086
-

¥

(499)
59

$

19,634
-

7

3,080

¥

3,746

$

28,990(1,744)
(32)
(11)
795

(4,458)138
128(16,415)
(301)
(103)
7,483

(0)
(993)

5
(4,186)(0)(9,346)

THE CHUKYO BANK, LIMITED AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF CHANGES IN EQUITYYEARS ENDED MARCH 31, 2018 AND 2017

Thousands

BALANCE AT APRIL 1, 2016
Profit attributable to owners of theparentCash dividends, ¥22.00 per share
Purchases of treasury stock
Disposal of treasury stockReversal of land revaluation surplus
Change in ownership interest ofparent due to transactions with
non-controlling interests
Net changes of items other thanshareholders’ equity
BALANCE AT MARCH 31, 2017
Profit attributable to owners of theparentCash dividends, ¥40.00 per share
Purchases of treasury stock
Disposal of treasury stockReversal of land revaluation surplus
Change in ownership interest ofparent due to transactions with
non-controlling interests
Net changes of items other thanshareholders’ equity
BALANCE AT MARCH 31, 2018

BALANCE AT MARCH 31, 2017
Profit attributable to owners of theparentCash dividends, $0.37 per share
Purchases of treasury stock
Disposal of treasury stockReversal of land revaluation surplus
Change in ownership interest ofparent due to transactions with
non-controlling interests
Net changes of items other thanshareholders’ equity
BALANCE AT MARCH 31, 2018

Millions of Yen
Accumulated Other Comprehensive Income

Outstanding
Number of
Shares ofCommonStockCommonStockCapitalSurplusRetained
Earnings

Treasury
Stock21,605¥ 31,844¥ 23,184¥ 24,892

¥

(0)
49
-

-

-

-

-

13
21,668Net Unrealized
Gain onAvailable-for-sale
Securities

Deferred Losson Derivatives
under Hedge
Accounting(379)¥ 24,919

3,679(1,083)
(15)
78

(7)
157
-

-

-

671

-

-

-

31,84423,85627,551

(229)

(10)
16
-

-

-

3,080
(867)
(15)
2

-

-

138

-

21,674¥ 31,844¥ 23,994¥ 29,751

¥

¥

142

1,211

¥ 109,647

3,679(1,083)
(7)
141
78

-

-

3,679
(1,083)
(7)
141
78

-

-

-

671

-

-

671

(4,446)
20,473

138
(285)

(78)
5,406

128
(1,099)(4,257)
107,51637
180(1,211)-(5,430)107,697

(22)
46
-

-

-

-

-

3,080
(867)
(22)
30
2

-

-

3,080
(867)
(22)
30
2

-

-

-

-

-

138

-

-

138

(205)

(1,744)¥ 18,728

795
(304)

(996)
¥ 108,882

39
220

-

(956)
¥ 109,103

Share
Acquisition
Rights

Noncontrolling
Interests

Retained
Earnings

TreasuryStock$ 299,736$ 224,548$ 259,327$ (2,155)--

28,990(8,160)
(141)
18

-

1,298

-

$ 299,736$ 225,847$ 280,035

¥

(14)
5,391

¥

Thousands of U.S. Dollars
Accumulated Other Comprehensive Income
Net Unrealized
Deferred Loss
RemeasureGain on
on Derivatives
Land
ments of
Available-for-sale
under Hedge
Revaluation
DefinedSecurities
Accounting
SurplusBenefit Plans
$

Total

¥

Total
Equity

-

(32)
(318)

5,484

Noncontrolling
Interests-

CapitalSurplus

$

¥

Total

Share
Acquisition
Rights¥ 108,293

¥

(424)

Remeasurements ofDefinedBenefit Plans(1,227)

Common
Stock

¥

Land
Revaluation
Surplus¥

Total
Equity192,705$ (2,682)$ 50,884$ (10,344)$1,012,010$ 1,694-$1,013,714

(207)
432
-

-

-

-

-

28,990(8,160)
(207)
282
18

-

-

28,990(8,160)
(207)
282
18

-

-

-

-

-

1,298

-

-

1,298

(1,929)(16,415)$ 176,280(301)$ (2,993)(131)$ 50,743

7,483(2,861)(9,375)$1,024,868

367$ 2,070-(8,998)$1,026,948

8$

THE CHUKYO BANK, LIMITED AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF CASH FLOWSYEARS ENDED MARCH 31, 2018 AND 2017
Thousands of
U.S. Dollars
2018

Millions of Yen
2018
2017
OPERATING ACTIVITIES:Profit before income taxes
Adjustments for:
Income tax paid
Depreciation and amortization
Impairment loss on long-lived assets
Equity in earnings of an affiliated company
Net gain on sales and redemption of securities
Net foreign exchange loss (gain)
Net gain on sales and disposal of premises and equipment
Changes in assets and liabilities:
Net increase in loans and bills discounted
Net increase in deposits
Net increase (decrease) in borrowed money (excluding subordinatedborrowings of the Bank)
Net decrease (increase) in due from banks (excluding due from the Bankof Japan)
Net (decrease) increase in call money and bills soldNet increase in payables under securities lending transactions
Net (increase) decrease in foreign exchange, debit
Net increase (decrease) in foreign exchange, credit
Net decrease in reserve for possible loan losses
Net increase in asset for net defined benefit asset
Net decrease in liability for net defined benefit liability
Net increase in interest receivable
Net decrease in interest payable
Net (increase) decrease in other assets
Net (decrease) increase in other liabilities
Total adjustments¥

Net cash provided by operating activities¥

FORWARD

4,171

¥

5,084

$

39,260(1,081)
1,862
493
(37)
(1,136)
3,567
(90)

(195)
1,783
289
(37)
(1,084)(105)(13)(10,175)
17,526
4,640(348)(10,692)
33,574(847)(5,780)20,947(23,281)
37,802(54,405)
197,166414(2,245)

3,896

93(15,000)
18,303(1,818)26(1,450)(32)(465)(7,476)(239)(2,995)(3,424)
4,676

(80)
5,000

(2,970)(7,197)
(148)
2,189
1,537
10,808875(141,189)
172,279(17,112)244(13,648)(301)(4,376)(70,368)(2,249)(28,190)(32,228)
44,013

8,848

15,893

83,283

8,848

1,372
(83)
(1,722)-¥

15,893$

83,283(Continued)

9

THE CHUKYO BANK, LIMITED AND SUBSIDIARIESCONSOLIDATED STATEMENTS OF CASH FLOWSYEARS ENDED MARCH 31, 2018 AND 2017
Millions of Yen
2018
2017
FORWARD¥INVESTING ACTIVITIES:
Purchases of securities
Proceeds from sales of securities
Proceeds from maturities of securities
Dividends and interest received from investing activities
Purchases of premises and equipment
Proceeds from sales of premises and equipment
Purchases of intangible assets
Net cash provided by (used in) investing activities

8,848

¥

15,893Thousands of
U.S. Dollars
2018$83,283(85,250)
35,50068,507
6,558
(676)
282
(549)
24,373(100,853)
37,50556,751
6,145
(358)
307
(315)
(816)

(802,428)
334,149
644,832
61,728(6,362)
2,654(5,167)(229,414)

FINANCING ACTIVITIES:Redemption of subordinated bonds
Interest paid on subordinated loans
Dividends paid
Dividends paid by subsidiaries to non-controlling shareholders
Purchases of treasury stock
Proceeds from sales of treasury stock
Payments from changes in ownership interests in subsidiaries that do not
result in change in scope of consolidation
Repayments of lease obligations
Net cash used in financing activities(10,000)
(123)
(867)
(22)
30

(189)
(1,083)
(1)
(7)
146

(94,126)(1,157)(8,160)(207)
282(1,257)(12,239)(598)(1,143)(2,877)(11,831)(115,201)

FOREIGN CURRENCY TRANSLATION ADJUSTMENTS ON CASH
AND CASH EQUIVALENTS
NET INCREASE IN CASH AND CASH EQUIVALENTS
CASH AND CASH EQUIVALENTS, BEGINNING OF YEAR
CASH AND CASH EQUIVALENTS, END OF YEAR

(43)
20,93845,893
66,831(11)
12,18633,70645,893(404)
197,082
431,974
629,056¥¥$

Basis of presentation
These financial statements without footnotes have been compiled from the consolidated financial statements prepared in accordance with the provisions set forth in theJapanese Financial Instruments and Exchange Act and its related accounting regulations and the Ordinance for Enforcement of the Banking Act, and in conformity withaccounting principles generally accepted in Japan. Certain reclassifications and rearrangements have been made to the consolidated financial statements issued
domestically in order to present them in a form which is more familiar to readers outside Japan.
U.S. dollar amounts are included solely for the convenience of readers outside Japan and have been made at the rate of ¥106.24 to $1, the approximate rate of exchange at
March 31, 2018. Amounts less than one million yen and amounts less than one thousand dollars are omitted. As a result, totals shown in the accompanying financial
statements without footnotes do not necessarily agree with the sum of the individual amounts.

10Directors and Corporate Auditors
Masakazu Fukamachi
Ryo Nagai(as of June 30, 2018)

ChairmanPresident
Director and Senior Managing Executive
Officer
Director and Managing Executive Officer
Director and Managing Executive Officer
Director and Executive Officer
Director
Director (Outside)
Director (Outside)
Audit & Supervisory Board Member
Audit & Supervisory Board Member (Outside)
Audit & Supervisory Board Member (Outside)
Audit & Supervisory Board Member (Outside)

Noriaki Kojima
Toshiyuki Wakao
Akira Hotta
Hideo Kobayashi
Hiroshi Kawai
Katsufumi Nomura
Mikiyasu Hiroi
Junji Miyazaki
Hiroko Murata
Kazuhiko Kimura
Shunichi Samura

Status of Principal Shareholders(as of March 31, 2018)

Name

Address

Number ofshares held
(thousand)

Percentageof shareownership(%) (Note 1)
39.37

The Bank of Tokyo-Mitsubishi UFJ, Ltd. (Note 2)

7-1, Marunouchi 2-Chome, Chiyoda-ku, Tokyo

8,534

Japan Trustee Services Bank, Ltd. (trust a/c)

8-11, Harumi 1-Chome, Chuo-ku, Tokyo

1,181

5.44

Japan Trustee Services Bank, Ltd. (trust a/c 4)8-11, Harumi 1-Chome, Chuo-ku, Tokyo

988

4.55

648

2.98

510

2.35

470

2.16

392

1.81

341

1.57

296

1.36

263

1.21

13,62662.86

Misono Service Co., Ltd.
The Chukyo Bank Employees Shareholding
Association
Daido Life Insurance Company(Standing proxy: Japan Trustee Services Bank, Ltd.)
Aioi Nissay Dowa Insurance Co., Ltd.
(Standing proxy: The Master Trust Bank of Japan,
Ltd.)
Nippon Life Insurance Company(Standing proxy: The Master Trust Bank of Japan,
Ltd.)
Daiwa Can Company
Chukyo TV. Broadcasting Co., Ltd.

15-56, Heian 2-Chome, Kita-ku, Nagoya-City,
Aichi
33-13, Sakae 3-Chome, Naka-ku, Nagoya-City,
Aichi
2-1, Edobori 1-Chome, Nishi-ku, Osaka-City, Osaka(8-11, Harumi 1-Chome, Chuo-ku, Tokyo)
28-1, Ebisu 1-Chome, Shibuya-ku, Tokyo(11-3, Hamamatsu-cho 2-Chome, Minato-ku,
Tokyo)
6-6, Marunouchi 1-Chome, Chiyoda-ku, Tokyo(11-3, Hamamatsu-cho 2-Chome, Minato-ku,
Tokyo)
7-2, Marunouchi 2-Chome, Chiyoda-ku, Tokyo
60-11, Hiraike-cho 4-Chome, Nakamura-ku,
Nagoya-City, Aichi

Total
Notes

1. The figures presented for percentage of share ownership show the percentage of the total number of shares issued (excluding treasury
stock).
2. The Bank of Tokyo-Mitsubishi UFJ, Ltd. changed its trade name to MUFG Bank, Ltd. on April 1, 2018.

Bank Data

Bank Network(as of March 31, 2018, non-consolidated)(as of June 30, 2018)
Head office andbranches and sub-branches

Name:

The Chukyo Bank, Limited

Location of Head Office:33-13, Sakae 3-Chome, Naka-ku,
Nagoya-City, Aichi

Nagoya-shi

38

Date of Establishment:

February 10, 1943

Aichi

28

Capital Stock:

31.844 billion yen

Mie

15

Shizuoka

1

Nara

2

Osaka

1

Tokyo

1

Deposits:

1,778.2 billion yen*Including negotiable certificates of deposit

Loans and Bills Discounted:

1,304.4 billion yen

Number of Employees:

1,204

11

Internet branch

1

Total

87

Number of ATMs

230