Governance Structure
Board of Directors and Audit & Supervisory Committee Members(As of July 31, 2021)

Atsushi Shitoh

Managing Director

Jun. 2016 Director, Executive
Officer and General
Manager, Head OfficeBusiness Div., the Bank
Jun. 2018 Managing Director andGeneral Manager, Head
Office Business Div., theBank
Jun. 2019 Managing Director, theBank (current position)

Takuji Tabata

Managing Director

Jun. 2016 Executive Officer andGeneral Manager,
Credit Supervision Div.,the Bank
Jun. 2018 Senior Executive Officer
and General Manager,
Credit Supervision Div.,the Bank
Jun. 2019 Managing Director, theBank (current position)

Jun. 2006 Director, Horiba, Ltd.
Jun. 2007 Audit & Supervisory
Board Member, the Bank
Oct. 2009 Audit & Supervisory
Board Member, Banyu
Pharmaceutical Co., Ltd.
(currently MSD K.K.)
Jun. 2013 Director, the Bank
(current position)

Emiko Okuyama

Outside Director
Apr. 1975 Joined the Sendai City
Government
Aug. 2009 Mayor, Sendai City
Jun. 2018 Director, the Bank
(current position)

President

Chairman

Senior Managing Director

Hidefumi Kobayashi

Teruhiko Ujiie

Makoto Igarashi

Apr. 1981
Jun. 2006
Jun. 2008
Jun. 2010
Jun. 2013
Jun. 2014
Jun. 2015
May. 2016

Jun. 2016
Jun. 2017
Jun. 2018

Joined the Bank
General Manager, Treasury Div., the Bank
General Manager, General Planning& Coordination Div., the Bank
Director and General Manager, General
Planning & Coordination Div., the Bank
Director and General Manager, Head
Office Business Div., the BankManaging Director and General Manager,
Head Office Business Div., the BankManaging Director, the BankManaging Director, the Bank, General
Manager, Ishinomaki Branch and Minato
BranchManaging Director, the Bank
Representative Director and Deputy
President, the Bank
Representative Director and President,
the Bank (current position)

Apr. 1969
Aug. 1992

Jun. 1993
Jun. 1995
Jun. 1997
Jun. 1998
Jun. 1999
Mar. 2000
Jun. 2002
Jun. 2005
Jun. 2010
Jun. 2018

48

Joined The Industrial Bank of Japan,
LimitedAssociate Director-General, Related
Business Department, The Industrial Bankof Japan, Limited
Director and General Manager, Business
Development Div., the Bank
Director and General Manager, Business
Promotion Div., the Bank
Director and General Manager, Head
Office Business Div., the BankManaging Director and General Manager,
Head Office Business Div., the BankManaging Director and General Manager,
Investigation Div., the BankManaging Director, the Bank
Senior Managing Director, the Bank
Representative Director and Deputy
President, the Bank
Representative Director and President,
the Bank
Representative Director and Chairman,
the Bank (current position)

Apr. 1980
Sep. 2000
Jun. 2002
Jun. 2004
Jun. 2005
Jun. 2006
Jun. 2009
Jun. 2012
Jun. 2013
Jun. 2017
Jun. 2018

Joined the Bank
General Manager, Onahama Branch, theBank
General Manager, Bashonotsuji Branch,
the Bank
General Manager, Shiroishi Branch, theBank
General Manager, General Affairs Div.,the Bank
General Manager, Personnel Div., theBank
Director and General Manager, Tokyo
Branch, the Bank
Director and General Manager, Business
Promotion Div., the BankManaging Director, the Bank
Senior Managing Director, the Bank
Representative Director and Senior
Managing Director, the Bank (current
position)

Koichi Suzuki

Ken Nakamura

Outside Director
Apr. 1974 Registered as
Attorney-at-Law (Sendai
Bar Association)
Sep. 1977 Opened Nakamura Ken
Law Office (current
position)
Jun. 1996 Audit & Supervisory
Board Member,
KOHSOKU
CORPORATION
Nov. 2004 Auditor, HOKUSHU Co.,
Ltd.(current position)

Jun. 2007 Audit & Supervisory
Board Member, the Bank
Jun. 2013 Director, KOHSOKUCORPORATION
Jun. 2015 Director, the Bank
(current position)
Jun. 2016 Director (Audit &Supervisory Committee
Member), KOHSOKUCORPORATION(current position)

Seiichi Ohtaki

Outside Director
Oct. 1987 Assistant Professor,
Faculty of Economics,
Tohoku university
Apr. 1992 Professor, Faculty of
Economics, Tohoku university
Apr. 1999 Professor, Graduate School of
Economics and Management,
Tohoku university
Apr. 2011 Dean Graduate School of
Economics and Management/ Faculty of Economics,
Tohoku University

Jun. 2014 Executive Officer andGeneral Manager, Business
Promotion Div., the Bank
Jun. 2015 Director, Executive
Officer and General
Manager, Oroshimachi
Branch, the Bank
Jun. 2018 Managing Director, the Bank
Jun. 2021 Director, Audit & Supervisory
Committee Member, theBank (current position)

Jun. 2017 Executive Officer andGeneral Manager, General
Planning & Coordination
Div., the Bank
Jun. 2019 Senior Executive Officer,
General Manager, Head
Office Business Div. andBasho no Tsuji Branch,
the Bank
Jun. 2021 Managing Director, theBank (current position)

Jul. 2014

President, The SanaburiFoundation(current position)
Jun. 2016 Auditor, Yurtec
Corporation
Nov. 2016 President, Organization
for Creating LocalGood(current position)
Apr. 2018 Vice-President,
Shizenkan University(current position)
Jun. 2020 Director, the Bank
(current position)

Director, Audit & Supervisory Committee Member Mitsuo Chubachi
Apr. 1985 Joined the Bank
Mar. 2011 General Manager,
Nihonbashi Branch, theBank
Jun. 2013 General Manager, Risk
Management Div., theBank
Jun. 2015 Audit & Supervisory
Board Member, MIYAGISYOJI Co., ltd.

Jul. 2016

Director and General
Manager, Administration
Div., 77 Securities Co., Ltd.
Jun. 2019 Director, Audit &Supervisory Committee
Member, the Bank
(current position)

Director, Audit & Supervisory
Committee Member (Outside Director) Toshio Suzuki

Director, Audit & Supervisory
Committee Member (Outside Director) Masai Yamaura

Apr. 1970 Joined Tohoku Electric Power Co. Inc.
Jun. 2001 Deputy Director and General
Manager, Human Resources Division,
Tohoku Electric Power Co. Inc.
Jun. 2005 Director and General Manager,
Human Resources Division, Tohoku
Electric Power Co. Inc.
Jun. 2006 Director and General Manager, Miyagi
Branch, Tohoku Electric Power Co. Inc.
Jun. 2007 Senior Executive Officer and General
Manager, Miyagi Branch, Tohoku
Electric Power Co. Inc.

Oct. 1973 Joined the Sendai City
Government
Sep. 2005 Vice Mayor, Sendai City
Apr. 2006 Chief Director, Sendai
Green Association
Jun. 2007 President and Representative
Director, Sendai Software
Center Co., Ltd.
Jun. 2008 Auditor, Sendai Meat
Wholesale Market Co.,
Ltd. (current position)

Jun. 2009 Standing Statutory Auditor, Tohoku
Electric Power Co. Inc.
Jun. 2010 Corporate Auditor, The Daishi Bank, Ltd.
Jun. 2013 Audit & Supervisory Board Member,the Bank
Jun. 2013 Chairman and Representative
Director, Tohoku Intelligent
Telecommunication Co., Inc.
Jun. 2015 Advisor, Tohoku Intelligent
Telecommunication Co., Inc.
Jun. 2017 Director, Audit & Supervisory Committee
Member, the Bank (current position)

Director, Audit & Supervisory
Committee Member (Outside Director)

May 2001 Senior Managing Director
and General Manager,
Fujisaki Comfortable
Lifestyle ResearchInstitute Co., Ltd.
May 2003 Director, Department
Store Fujisaki Co., Ltd.
Jan. 2011 Advisory Fellow, Tohoku
Regional Advancement
CenterApr. 2012 Fellow, Tohoku Regional
Advancement Center

Yoko Ushio

Apr. 2016 Auditor, Tohoku
University (current
position)
Jun. 2019 Director, Audit &Supervisory Committee
Member, the Bank
(current position)
Aug. 2020 Representative Director,
K.K. Shinsei Sogo
Jimusho (current
position)

Senior Executive Officers

Apr. 2014 Chairman, Sendai
Council of Social
Welfare (current
position)
Jun. 2015 Audit & Supervisory
Board Member, theBank
Jun. 2017 Director, Audit &Supervisory Committee
Member, the Bank
(current position)

Director, Audit & Supervisory
Committee Member (Outside Director)
Apr. 1979 Joined the Miyagi
Prefectural Government
Apr. 2013 Director-General,
Commerce, Industry
and Tourism
Department, Miyagi
Prefectural Government
Apr. 2015 Public Corporation
Administrator, Miyagi
Prefectural Government
Jun. 2015 Director, Miyagi-ken
Kaihatsu K.K.

Akira Inukai

Apr. 2017 Vice Chairman, Miyagi
University
Apr. 2019 Chairman, Miyagi
Prefecture Land
Development Corporation
Jun. 2019 Representative Director
and President,
Miyagi-ken Kaihatsu K.K.
Jun. 2021 Director, Audit &Supervisory Committee
Member, the Bank
(current position)

Executive Officers

Masanori Muranushi

General Manager, Oroshimachi
BranchKazuhito Chida

General Manager, Personnel
DivisionTakashi Kuroda

General Manager, Business
Promotion Division

Yoshihiro Endo

General Manager, Tokyo
BranchHirokimi Fukushi

General Manager, ComplianceManagement Division

Kuniaki Endo

General Manager, Audit &Inspection Division

Naoshi Aoyagi

General Manager, Credit
Supervision Division

Kazutoshi Saito

General Manager of General
Planning & Coordination Division

Hiroshi Kobayashi

General Manager, Ishinomaki
Branch and Kokucho Branch

Shuichi Ibuka

General Manager, Digital
Strategy Division

Masahide Kato

General Manager, Operations
Management Division

Hiroshi Kitazono

General Manager, Head Office Business
Division, and Basho no Tsuji Branch

Financia lSection

Apr. 1984 Joined the Bank
Mar. 2005 General Manager,
Wakuya Branch, the Bank
Sep. 2007 General Manager,
Masuda Branch, the Bank
Jun. 2009 General Manager, General
Affairs Div., the Bank
Jun. 2013 General Manager, Business
Promotion Div., the Bank

Atsushi Kobayashi

Company
Information

Director, Audit & Supervisory
Committee Member

Apr. 1988 Joined the Bank
Jun. 2008 General Manager, Okino
Branch, the Bank
Jun. 2010 General Manager,
Sendai Haranomachi
Branch, the Bank
Jun. 2012 General Manager, Tokyo
Liaison Office, the Bank
Jun. 2015 General Manager,
Treasury Div., the Bank
Jun. 2016 General Manager, General
Planning & Coordination
Div., the Bank

Jun. 2014 Executive Officer andGeneral Manager, General
Planning & Coordination
Div., the Bank
Jun. 2016 Director, Executive Officer
and General Manager,
Ishinomaki Branch andMinato Branch, the Bank
Jun. 2018 Managing Director, theBank (current position)

Strategy

Apr. 1967 Joined the Bank of Japan
May. 1996 General Manager,
International Dept., theBank of Japan
Jun. 1998 Director, Research Instituteof Overseas Investment, theExport-Import Bank of Japan
Sep. 1999 Auditor, the Bank of Japan
Dec. 2003 Standing Audit &Supervisory Board Member,
Banyu Pharmaceutical Co.,
Ltd. (currently MSD K.K.)

Managing Director

Yoshikazu Onodera

Va l u e

Masahiro Sugita

Outside Director

Apr. 1985 Joined the Bank
Sep. 2007 General Manager,
Hachimanmachi Branch,
the Bank
Mar. 2009 General Manager,
Yoshioka Branch, the Bank
Jun. 2011 General Manager,
Operations Management
Div., the Bank
Jun. 2013 General Manager, General
Planning & Coordination
Div., the Bank

VisionApr. 1986 Joined the Bank
Sep. 2007 General Manager,
Koriyama Branch, theBank
Jun. 2009 General Manager, Tokyo
Liaison Office, the Bank
Jun. 2012 General Manager,
Treasury Div., the Bank
Jun. 2015 General Manager,
Credit Supervision Div.,the Bank

Managing Director

Mission

Apr. 1985 Joined the Bank
Jun. 2005 Chief Secretary, the Bank
Jun. 2008 General Manager,
Fukushima Branch, the Bank
Jun. 2010 General Manager, Izumi
Branch, the Bank
Jun. 2012 General Manager,
Treasury Administration &International Div., the Bank
Jun. 2014 Executive Officer andGeneral Manager, Tokyo
Branch, the BankTHE 77 BANK INTEGRATED REPORT| 49

Governance Structure
Basic stance toward corporate governanceThorough complianceCorporate Governance Committee

Audit & Supervisory
Committee Members
Audit & Supervisory
Committee

Board of Directors

2 persons 4 persons

9 persons 8 persons

4 personsPresident

Executive Committee

Deputy President

Directors and General
Managers Liaison Committee

Senior Managing Director

Compliance Committee

Managing Director

General Planning &Coordination Division (Risk management, disclosure)Compliance Departments(Chaired by General Manager
of Compliance Management
Division)

Personnel Division

Headquarters and
BranchesCompliancepromotioncommittees(Chaired by General
Managers)(Maintenance of discipline
and work discipline)(General meeting ofGeneral Affairs Division stockholders, traffic accidents)

Audit & Supervisory
Committee(Audit & Supervisory
Committee Members)

Divisions and Main Branch:Compliance Officer

Other:
Compliance liaison officers

Operations(Operational accidents)
Management Division

Outside Directors

Strengthening risk management systems
In accordance basic policies on risk management determined by the Board of Directors, the Bank has determined controlling
divisions and managing divisions for each type and category of risk requiring management, and the Audit & Inspection Divisionalso audits the appropriateness of the execution and management of the operations of each department as an internal audit
department.

Risk management structure

Title

Name

Board of Directors

Executive Committee

Corporate
Governance Committee（Representative Director）
Chairman

Teruhiko Ujiie○ (Chairperson)○○（Representative Director）
Hidefumi Kobayashi
President○○ (Chairperson)○○ (Chairperson)（Representative Director）
Senior Managing Director

Makoto Igarashi

○

○

○

○

Managing Director

Atsushi Shitoh

○

○

○

Managing Director

Yoshikazu Onodera

○

○

○

Managing Director

Takuji Tabata

○

○

○

Managing Director

Atsushi Kobayashi

○

○

○

Director

Masahiro Sugita○○ (Chairperson)

Director

Ken Nakamura○○

Director

Emiko Okuyama○○

Director
Director, Audit &Supervisory
Committee Member
Director, Audit &Supervisory
Committee Member
Director, Audit &Supervisory
Committee Member
Director, Audit &Supervisory
Committee Member
Director, Audit &Supervisory
Committee Member
Director, Audit &Supervisory
Committee Member

Seiichi Ohtaki○○

Koichi Suzuki○△ (*3)○ (Chairperson)△ (*3)

Mitsuo Chubachi○△ (*3)○△ (*3)

Toshio Suzuki○○

Masai Yamaura○○

Yoko Ushio○○

Akira Inukai○○

Board of Directors

Audit & Supervisory
Committee

Executive Committee/Directors and General Managers Liaison Committee/
Compliance Committee
Director responsible forcompliance (President)

Directors Responsible for Each Type of Risk

Audit & Supervisory
Compliance Committee
Committee

Capital management

Risk Management Division

Comprehensive Risk Management
Credit Risk
Management

Market Risk
Management

Liquidity Risk
Management

Comprehensive Operational Risk Management
Administrative
Risk
Management

Risk Management Division

Compliance

Information
Technology
Risk Management

Legal Risk
Management

Human Risk
Management

Tangible
Asset Risk
Management

Reputational
Risk
Management

Disaster and Other
Contingency
Risk Management

ComplianceManagement
Division

Personnel
Division

General Affairs
Division

Risk
Management
Division

Digital Strategy
Division
General Affairs
Division Operations
Management Division

Third-party risk
management
Operations
Management
Division

Digital Strategy
Division

Financia lSection50

Compliance Committee(Chaired by President)

Independent Auditors

General Manager ofGeneral Planning &Coordination
Division

Compliance Monitor (Senior Auditor)(Dishonest actions, internal audits)

Company
Information

Directors

Main members by organization

Other members

Audit & Inspection
Division

Compliance Manager(General Manager of Compliance Management Division)
Chief Compliance Officer(Manager of Legal Affairs Section)(Complaints, antisocial
influences, money laundering)

Strategy

Directors

Compliance Management Division* Compliance officers and compliance liaisons maintain their independence in the performance of their duties related to compliance and do not follow the instructions ofhigher-ranking individuals.

Chairman(Excluding Directors Serving as Audit& Supervisory Committee Members)

Compliance management

President =Director
responsibleforcompliance

Va l u e

3 personsGeneral Meeting ofStockholders

Board ofDirectors(Directors)(Major Roles)
Compliance-related education, inspection,
monitoring and the like within each company

Compliancesupervisors

Subsidiaries

VisionCorporate Governance Structure

Compliance structure

MissionWe will work to strengthen and enhance corporate governance in accordance with the following basic stance.
・In accordance with the Bank Creed, which is our basic principle of management, we will operate business that give constantconsideration to the public mission of a regional bank — contributing to the development of the regional economy and society —through banking operations.
・We will improve the transparency of management and the appropriateness of processes and work together appropriately withstakeholders including the regional society, clients, and shareholders for the Bank’s sustained growth and improvements incorporate value over the medium- to long-term.

The Bank formulated the Compliance Policies in order to clarify its stance on compliance and to ensure the effectiveness thereof.
Further, as part of our endeavor to ensure thorough compliance, the Bank established the Compliance Guidelines (ComplianceStandards) to articulate specific guidelines and a code of conduct so that the executives and employees place importance oncompliance, thereby ensuring the lawful conduct of business.

ComplianceManagement Division

Head Office, Branches and Group Companies
Audit & Inspection Division

General Manager of General
Planning & Coordination Division,
General Manager of ComplianceManagement Division,
General Manager of Audit &Inspection Division*1 A Deputy President has not been appointed.
*2 Directors Masahiro Sugita, Ken Nakamura, Emiko Okuyama, Toshio Suzuki, Masai Yamaura, Yoko Ushio, and Akira Inukai are Outside Directors prescribed in Article 2,
Item 15 of the Companies Act.
*3 Standing Directors who are Audit & Supervisory Committee Members attend the Executive Committee and Compliance Committee, and state their opinions as necessary.
*4 The Chairperson of the Audit & Supervisory Committee observes the Corporate Governance Committee.

Asset Assessment Audit

Internal Audit

Third-party risk management“Third-party risk” refers to the risk of losses arising as a result of administrative errors, system faults, fraudulent transactions, andother issues at third parties that are companies or organizations that the Bank has an operational partnership or relationship with.
The Bank appropriately manages this risk, having established the “Policies on Third-Party Risk Management” as a basic policy
for managing risk.
In particular, in event that third parties work with services linked to customers’ accounts or personal data, such as in the cashof fund transfer business operators, the Bank implements stricter risk management, based on the “Personal Data Management
Standards,” etc., and manages risk on an ongoing basis during the period of the agreement, through such methods as regularmonitoring of the safety, reliability, etc., of third parties.
The Bank takes every possible precaution to ensure that in the event of administrative issues, system faults, or other issues,
the impact on our customers and the operations of the Bank is minimized, including securing alternative methods and formulating
measures to respond in the event of emergency.
THE 77 BANK INTEGRATED REPORT| 51

Financial and Non-financial Highlights■Non-financial information■ Financial information■ Retail deposits ■ Corporate deposits■ Public deposits, etc.

(Billions of yen)

9,000.0

4,500.0
1,803.8

5,494.8

1,106.0

1,825.4

939.7

4,894.6

5,097.5

1,915.2

2,009.5

Number of clients evaluated

4,978

1,176.3

1,211.8

1,765.4

1,803.1

1,876.2955.3

031-Mar-21

31-Mar-19

31-Mar-20

31-Mar-21

600.0

600.4

90.8

300.0

324.4

81.5

24.9
107.6
13.4

0
31-Mar-19

31-Mar-21

FY2020

Number of business succession, inheritance,
and asset succession support recipients

25

27

2,000

148.4

116.6
2,155.9

657.6

640.9

31-Mar-19

31-Mar-20

FY2021

1,602 cases
1,602

3,116.0

2,913.4

2,169.5

FY2019* Start-up plan formulation support, financing clients in the start-up stage, introduction of
government-affiliated financial institutions and start-up support organizations, subsidies,financing, and investment in venture companies(Cases)

15

904

1,000

1,222

2,205.90031-Mar-21

27 clients

Number of M&A support* clients

23
137.8

23.0
72.6
20.4

31-Mar-20

30
2,964.9

877

2,000

4,000.0

2,000.0

320.2
27.5
77.4
14.8

31-Mar-20

108.9
77.2

72.0

327.2

31-Mar-19

622.3

3,447

(Clients)(Billions of yen)

864
800

FY2019761.7

FY2020

FY20210

FY2019FY2020

FY2021Company
Information

0

58.2

■ Stocks ■ Bonds ■ Others

984

Strategy

619.3

1,000
4,592

2,713

¥3,116.0 billion

Securities balance(Cases)Va l u e622.3 billion

984 cases

Number of start-up support projects (*)

5,835

4,000

■ 77 Securities (excluding brokerage from the Bank) ■ Investment trusts■ Insurance ■ Structured bonds, etc. (brokerage) ■ Public bonds■ Foreign currency deposits(Billions of yen)

■ Number of clients evaluated■ Issue resolution measure agreement by entities

6,949

0

Balance of assets in custody (the Group) ¥6,949 clients
4,592 clients

Issue resolution measure agreement by entities(Clients)

1,134.2

2,101.6

31-Mar-20■ Others

Consulting

6,000

3,000.0

1,828.5

31-Mar-19■ Balance of loans to SMEs
■ Balance of loans to retail customers(Billions of yen)

4,725.0

5,120.3¥5,097.5 billion

Vision4,982.0

Balance of loans and bills
discounted
6,000.0

8,551.7

7,888.5

7,891.8

0¥8,551.7 billion

MissionBalance of deposits and certificatesof deposit* Entered into M&A advisory contract

31-Mar-21

ESG(Billions of yen)

62.27 %

(%)

20.0

80
17.6

18.2

73.28

354 cases / ¥162.7 billion

Green bonds

40.0
32.8

62.27

15.0

SG-based investment and lending
Privately placed corporate bonds *1,2,3,(Billions of yen)

71.35

16.5

Renewable energyrelated funding

26.0

60

27.8
Sustainability bonds

20.00Social bonds
FY2019FY2020

FY2021FY2019FY2020

FY20210

FY2019FY2020

FY2021

3.42 %(%)

Capital adequacy ratio(domestic standards/consolidated)

10.39 %

(%)

5

(%)

20
3.60

3.89

20

3.42
10.38

2.5

13.4 %

Proportion of female managers

10.31

10.39

13.2

10

13.4

13.4

10

0

52

FY2019FY2020

FY2021031-Mar-19

31-Mar-20

31-Mar-21

031-Mar-19

31-Mar-20

31-Mar-21*4

7 cases / ¥3.7 billion
12 cases / ¥9.5 billion

Sustainability-linked bonds

2 cases / ¥0.4 billion

Sustainability-linked loans

2 cases / ¥1.7 billion* Cumulative results from after the Great East Japan Earthquake of 2011 through March 31, 2021

ROE (consolidated)

23 cases / ¥30.2 billion

77 Privately Placed
Corporate Bonds for Social
Contribution (Donation-Type)77 ESG Privately Placed
Corporate Bonds

Financial
Section¥16.5 billion

Net income (consolidated)Core OHR(core gross operating income expense ratio)*5378 cases / ¥30.5 billion
47 cases / ¥6.2 billion*1 Green bonds and other bonds refer only to investments with newly issued bonds.
*2 Purchases of green bonds and other bonds, as well as sustainability-linked loans: Cumulative
results from April 2018 through March 31, 2021.
*3 Privately placed corporate bonds: Cumulative results from product launch through March 31,
2021*4 Of which, ¥1.1 billion is denominated in US dollars.
The Bank’s middle rate as of March 31, 2021 (USD 1 = JPY 110.71) has been used for yen
conversion.
*5 Denominated in US dollars. The Bank’s middle rate as of March 31, 2021 (USD 1 = JPY
110.71) has been used for yen conversion.

THE 77 BANK INTEGRATED REPORT| 53

Profile (As of March 31, 2021)

Service Network (As of July 31, 2021)

Company Name

The 77 Bank, Ltd.

Head Office

3-20, Chuo 3-chome, Aobaku,
Sendai, Miyagi 980-8777, JapanFoundedDecember 9, 1878

Paid-in Capital¥24.6 billion

Number of
Employees

2,742

Number of Branches

143 (Head Office/Branches: 137,
Sub-Branches: 6)

Capital Adequacy Ratio(domestic standards)

non-consolidated 10.14% / consolidated 10.39%

Total Assets¥9,817.9 billion

Certificates of Deposits¥8,551.7 billion

Loans and Bills
Discounted¥5,097.5 billion

Hokkaido
1 Branch

Overseas

Group companies

Shanghai 1 Representative Office /Singapore 1 Representative Office

77 Lease

77 Shin-Yo Hosyo

Supports customers’ capital expenditure via finance leases, etc., for office equipment, transportation equipment, industrial machinery, medical devices, engineeringand construction machinery, etc.

Provides debt guarantees for customers using housing loans, car loans, and otherunsecured loans, as well as credit management and other services.

(Billions of yen)

Balance of lease and installment claims

30.0

23.0

900.0

20.0

600.0

10.0

300.0

0

0

31-Mar-19

31-Mar-20

31-Mar-21

Miyagi Prefecture
Head Office/Branches:
122, Sub-Branches: 6

Corporate Sales
Offices 2 Locations

868.7

834.0

793.8

2 Branches

Aomori

Balance of housing loan guarantees(Billions of yen)

27.0

25.3

Iwate

Kesennuma●

Akita
1 Branch●Iwagasaki

Yamagata
31-Mar-19

31-Mar-20

Wakayanagi ●● Naruko

1 Branch

31-Mar-21

Nainowaki ●● Tsukidate/Ichihasama● Sanuma/Maiya● Iwadeyama

77 Card

77 Securities

Issues JCB, Visa, MasterCard, and other credit cards to retail and corporate
customers, provides support for the introduction of cashless devices, and provides
card loan guarantees.

Total purchase transaction volume(Billions of yen)

100.0

89.2

●
●
Onoda
Nakaniida

As the only securities company headquartered in Miyagi Prefecture, provides quality services and products with a high level of expertise from the customer’s perspective, based on “bank-securities company cooperation” with the 77 Bank.

Minamifurukawa ●Furukawatokamachi ●

96.1

50.0

61 Branches, 2 Sub-Branches
Masuda ●40.0
0FY2019FY202031-Mar-19

31-Mar-20

31-Mar-21

77 Research and Consulting

77 Capital

Provides services with expertise and a high level of added value, mainly centeredon membership organization management, survey and research, and consulting.

Main business activities include the formation and management of investment
limited partnerships (funds), as well as providing a wide range of funding tailored tothe business characteristics and projects of companies, and engaging in company
development and company support through investment, etc.

(Cases)Number of consulting and contracted survey cases
94100(Millions of yen)

2 Branches

Nagoya500

FY2019● Kakuda●
YamashitaOsaka
1 Branch● Marumori

2,485

Scan the QR code to read the branches and cash service corners.

FY20200

FY2021* Japanese Language only

510

31-Mar-19■Service Network Data
31-Mar-20

77 Lease Co., Ltd.

Shichitora-kun

77 Shin-Yo Hosyo Co., Ltd.

Shichisai-kun

77 Card Co., Ltd.

Shichimi-chan

Shichishika-kun

Shichiken-kun

77 Securities Co., Ltd.

Shichisaru-kun

77 Research andConsulting Co., Ltd.

Number ofmunicipalities
with Miyagi Prefecture

31-Mar-21

77 Bank Group characters
Shichirisu-kun● Tagajou

1,500

23
0

Shichi● gahama Shiogama 3 Branches● Geba● Ogawara
Watari ●● Shiroishi

1 Branch

1,743
50● (Naruse Sub-Branch)●
Rifu

Cumulative amount of investment

2,500

54

Onagawa ●● Morisekinoshita/Yuriage
Natori-nishi ●● (Sendai Airport Sub-Branch)
Iwanuma- ●●nishi● Iwanuma
Murata● Funaoka/Tsukinoki

● Zao

Tokyo

Yamoto●● Takasago● Kawasaki

0

FY2021

Akashidai ●Sendai58.2

Matsushima●

Tomiya ●6 Branches

81.5

80.0

Ishinomaki 9 Branches, 1 Sub-Branch● Kashimadai and Matsuyama Sub-Branches

Fukushima

108.9

120.0

86.6

● Furu ● Tajiri
kawa●●
WakuyaKogota● Yoshioka

Balance of assets in custody (excluding brokerage from the 77 Bank)(Billions of yen)

● Shizugawa●
TomeShichiushi-kun

77 Capital Co., Ltd.

Within Miyagi Prefecture

35

Of which, areas with
the Bank’s location
31

Cities14

14[Of which, Sendai City]

Total number of theBank’s locations

Number of ATMs

128

Of which branches
within branches
13

109

12

618

[63]

[5]

[393]
91

710

Towns

20

17

19

1

Villages

1

—

—

—

1

Outside of Miyagi Prefecture

15

—

28

Within Tokyo

2

—

3

Other prefectures

13

Total

35 municipalities

31 cities and towns*1

143 locations*2—

25

13 locations

738 ATMs*1 Other branch locations: Sapporo City, Morioka City, Kitakami City, Akita City, Yamagata City, Fukushima City, Koriyama City, Soma City, Minamisoma City, Iwaki City (2 branches), Nagoya City, andOsaka City
*2 The total number of 143 locations includes one branch that only offers transfers, and the number of locations is 135, taking into account seven branches within branches.

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THE 77 BANK INTEGRATED REPORT| 55