Financial and Non-financial Highlights

Value Creation Story

Financial information
Balance of loans and bills discounted (Billions of yen)

■ Retail deposits ■ Corporate deposits ■ Public deposits, etc.

■ Balance of loans to SMEs ■ Balance of loans to retail customers ■ Others

8,846.4

8,551.7

7,888.5

5,734.1

4,500.0

3,000.002,144.6

2,101.6

1,828.5
939.7

955.3

967.7

31-Mar-20

31-Mar-21

31-Mar-22

Balance of assets in custody (the Group) (Billions of yen)
■ 77 Securities (excluding brokerage from the Bank) ■ Investment trusts■ Insurance ■ Structured bonds, etc. (brokerage) ■ Public bonds■ Foreign currency deposits
622.3
600.4
600.0
108.9
81.5
72.0

0

5,097.5

1,915.2

2,009.5

2,173.9

1,176.3

1,211.8

1,249.2

1,803.1

1,876.2

1,917.1

31-Mar-20

31-Mar-21

31-Mar-22

0

320.2

327.2

126.2

4,000.0

2,000.0

23.0

32.0

77.4
14.8

72.6
20.4

77.3
28.3

31-Mar-21

31-Mar-22■ Issue resolution measure agreement by entities

8,274

10,000Bank Data

Financial Section

Number of business matching contracts closed (Cases)

1,6741,800

5,901
1,058

5,835
4,592

5,0000900

3,447

31-Mar-20

31-Mar-21

31-Mar-220

Number of M&A support* clients (Clients)

3,131.8
2,913.4

27.5

31-Mar-20

Corporate Governance0630

FY2020

FY2021

FY2022

Securities balance (Billions of yen)
■ Stock ■ Bonds ■ Others

315.3

Number of clients evaluated/Issue resolution measure agreement by entities (Clients)■ Number of clients evaluated

6,949

666.0

86.9

77.2

4,894.6

116.6
300.0

Business StrategyConsulting

5,340.2

6,000.0

5,494.8

5,120.3

Sustainability Promotion

Non-financial information

Balance of deposits and certificates of deposit (Billions of yen)

9,000.0

Top Message

2,000

3,116.0

1,737

1,602
151.6

148.4
2,205.9

2,185.2

640.9

761.7

795.0

31-Mar-20

31-Mar-21

31-Mar-22

2,155.9

3640

Number of business succession, inheritance,and asset succession support recipients (Cases)

2527

1,222

200

1,000

FY2020

FY2021

FY20220

FY2020

FY2021

FY2022* Entered into M&A advisory contract

Net income (consolidated) (Billions of yen)

22.2

Core OHR(core gross operating income expense ratio)（％）
80

20.0

16.50FY2021

FY2021510.31
2.5

FY2021*1, *2, *3*1 Cumulative results from April 2018 through March 31, 2022.
*2 ‌Of which, an amount equivalent to ¥1.8 billion was USD-denominated. The Bank’s
middle rate as of March 31, 2022 (USD 1 = JPY 122.39) has been used for yen
conversion.
*3 ‌Including bond repackaged loans backed by sustainability-linked bonds as theunderlying asset.

FY2022Chosen as a constituent of “MSCI Japan Empowering Women Index,” which
recognizes companies with outstanding efforts in promoting the participation
and advancement of women in the workplace (as of June 2022)

Certified “Gold Certified Company” forsuccessfully utilizing the potential offemale talent in Miyagi Prefecture

10.39

10

FY2021

FY20209 cases / ¥7.1 billion

10.27

3.42

FY20200

Sustainability-linked loans

External evaluation

20

3.89

64

FY2022

Capital adequacy ratio(domestic standards/consolidated) （％）

4.33

27.8
20.0

FY2020

FY2022

ROE (consolidated)（％）

058.2260

FY2020

31.7

32.8
62.27

15.0

Renewable energy-related funding (Billions of yen)
40.0

71.3518.2Sustainability

FY20220*‌Notes on MSCI indexes and logos, etc. THE INCLUSION OF The 77 Bank, Ltd., IN ANY MSCI INDEX, AND THE
USE OF MSCI LOGOS, TRADEMARKS, SERVICE MARKS OR INDEX NAMES HEREIN, DO NOT CONSTITUTE ASPONSORSHIP, ENDORSEMENT OR PROMOTION OF The 77 Bank, Ltd., BY MSCI OR ANY OF ITS AFFILIATES.
THE MSCI INDEXES ARE THE EXCLUSIVE PROPERTY OF MSCI. MSCI AND THE MSCI INDEX NAMESAND LOGOS ARE TRADEMARKS OR SERVICE MARKS OF MSCI OR ITS AFFILIATES.

31-Mar-20

31-Mar-21

31-Mar-22Certified “Platinum Kurumin,” a special
certification pursuant to the Act on
Advancement of Measures to Support Raising
Next-Generation Children

Certified “Eruboshi (Grade 3),” commending
general business proprietors for promoting
female participation, pursuant to the Act
on Promotion of Women’s Participation
and Advancement in the Workplace

THE 77 BANK INTEGRATED REPORT65

Profile (As of March 31, 2022)

Value Creation Story

Top Message

Sustainability Promotion

Number of Branches

The 77 Bank, Ltd.

Head Office

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

Paid-in Capital
Number ofEmployees¥24.6 billion
2,673

Capital Adequacy Ratio(domestic standards)

143 (Head Office/Branches: 137,Sub-Branches: 6)
non-consolidated 10.01% /consolidated 10.27%

Total Assets¥10,666.0 billion

Bank Data

Certificates of Deposits
Loans and Bills
Discounted¥8,846.4 billion

1 Branch¥5,340.2 billion

Overseas
Shanghai 1 Representative Office /Singapore 1 Representative Office

Iwate

77 Lease

77 Shin-Yo Hosyo

Supports customers’ capital expenditure via finance leases, etc., for officeequipment, transportation equipment, industrial machinery, medical devices,engineering and construction machinery, etc.

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

(Billions of yen)

30.7

27.0

20.0
10.0

868.7

834.0

900.0

Miyagi Prefecture

2 Branches

AomoriHead Office/Branches:
122, Sub-Branches: 6

1 Representative Office in
Preparation for Opening
Corporate Sales
Office 1 Location

Balance of housing loan guarantees

Balance of lease and installment claims(Billions of yen)

Kesennuma

Akita

906.0

Nainowaki1 Branch

Iwagasaki

600.0

Yamagata

300.0

1 Branch

Wakayanagi

NarukoTsukidate/Ichihasama
Sanuma/Maiya

Iwadeyama031-Mar-20

31-Mar-21

031-Mar-22

31-Mar-20

31-Mar-21

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

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.

100.0

96.1

(Billions of yen)
120.0

108.9

FY2020

FY2021

FY202231-Mar-21

Ogawara2 Branches

Shiroishi

1 Branch

31-Mar-22

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 tailoredto the business characteristics and projects of companies, and engaging incompany development and company support through investment, etc.

Number of consulting and contracted survey cases

Cumulative amount of investment

142

04,000

Yamashita

FY2020

FY2021

0FY202231-Mar-20

31-Mar-21

Number ofmunicipalities withMiyagi Prefecture
31-Mar-22*As there were no investment results as of March 31, 2022 for 77 Partners, the information is not shown.

Shichitora-kun

Shichisai-kun

Shichimi-chan

Shichishika-kun

Within Miyagi Prefecture

35

Of which, areas with
the Bank’s location
31

Cities1414[Of which, Sendai City]

77 Bank Group characters
Shichirisu-kun

Shichiken-kun

Shichisaru-kun

Shichiushi-kun

Shichipato-kun

6677 Shin-Yo Hosyo Co., Ltd. 77 Card Co., Ltd.

77 Securities Co., Ltd.

77 Research andConsulting Co., Ltd.

77 Capital Co., Ltd.

77 Partners Co., Ltd.

Total number of theBank’s locations

Number of ATMs

128

Of which branches
within branches
21

109

19598

[62]

[9]

[377]
91

690

Towns

20

17

19

2Villages

1

─

──

1

15

─

27

Outside of Miyagi Prefecture
Within Tokyo

2

─

3

Other prefectures

13*1

─

24

143 locations*2

21 locations

717 ATMs

Total
77 Lease Co., Ltd.

Marumori■Service Network Data

1,743

2,000Watari

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

2,485

54

Morisekinoshita/Yuriage* Japanese Language only

3,518

94

10050

(Millions of yen)

Shiogama 3 Branches

Tagajou

Kakuda1 Branch

77 Research and Consulting

150

Geba

Takasago

Osaka(Cases)

Shichigahama

Natori-nishi
Iwanumanishi
Iwanuma
MurataFunaoka/Tsukinoki

Zao

Tokyo
31-Mar-20

Rifu

Kawasaki

NagoyaYamoto/(Naruse Sub-Branch)

Akashidai/Koyodai

Sendai
Masuda/Sendai Airport Sub-Branch

40.00Onagawa
Matsushima

Tomiya60 Branches, 2 Sub-Branches

50.00

Ishinomaki 9 Branches, 1 Sub-Branch

Kashimadai and Matsuyama Sub-Branches6 Branches

81.5

80.0

WakuyaYoshioka

126.2

ShizugawaTomeTajiri

KogotaFukushima

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

93.5

86.6

Nakaniida/Onoda

Minamifurukawa
Furukawatokamachi

77 Securities

Total purchase transaction volume

Furukawa

31-Mar-22

77 Card(Billions of yen)

Financial Section

Hokkaido

Group companies

25.3

Corporate Governance

Service Network (As of July 31, 2022)

Company Name

30.0

Business Strategy

35 municipalities

31 cities and towns

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, and Osaka City
*2
The total number of branches (143) includes one branch dedicated to money transfers, bringing the total number of branches to 121, taking into account 21 branches within branches.
*1

THE 77 BANK INTEGRATED REPORT67