ANNUAL REPORT P r o f ile Data THE 77 BANK, LTD. The 77 Bank, Ltd., was founded in 1878 as ’s 77th national bank. Head- As of March 31, 2012 2012 quartered in —the capital of Miyagi Prefecture—the Bank is the largest in the Tohoku region, with a branch network covering the northern part of Honshu, Head Office Paid-in Capital Japan’s largest island. 3-20, Chuo 3-chome, Aoba-ku, Sendai, ¥24,658 million (US$300 million) Based on its philosophy, The 77 Bank continues to strengthen its business foun- Miyagi 980-8777, Japan Number of Stockholders Phone: +81-22-267-1111 dation and enhance its management quality in order to be the “Best creative bank” 10,114 http://www.77bank.co.jp/ that creates a new era together with the region. As of March 31, 2012, The 77 Bank Shares Outstanding Founded had capital of ¥24.7 billion, 141 domestic branches and 2,898 employees. 383,278 thousand December 1878 Major Stockholders Number of Branches Number of 141 Shares (Thousands) % Number of Employees Meiji Yasuda Life Insurance Company 18,928 4.93 2,898 The Bank of Tokyo-Mitsubishi UFJ, Ltd. 16,219 4.23 Treasury Administration & Nippon Life Insurance Company 15,431 4.02 International Division Sumitomo Life Insurance Company 15,412 4.02 Planning & Business Department Japan Trustee Services Bank, Limited (Trust Account) 13,219 3.44 3-20, Chuo 3-chome, Aoba-ku, Sendai, The Dai-ichi Life Insurance Company, Limited 12,275 3.20 Miyagi 980-8777, Japan The Master Trust Bank of Japan, Limited (Trust Account) 11,384 2.97 Phone: +81-22-211-9914 Aioi Nissay Dowa Insurance Co., Ltd. 9,657 2.51 Facsimile: +81-22-211-9916 Tohoku Electric Power Co., Inc. 8,478 2.21 SWIFT Address: BOSSJPJT Japan Trustee Services Bank, Limited (Trust Account 4) 7,851 2.04

Service Network As of June 30, 2012

SAPPORO 1 Branch AKITA 1 Branch Contents TOHOKU REGION IWATE Consolidated Financial Highlights ・・・・・・1 2 Branches Message from the President ・・・・・・2 The Great East Japan Earthquake and Measures Taken by the Bank 1 Branch for Reconstruction and Revitalization ・・・・・・5 TOKYO Toward a Firmer Business Position ・・・・・・6 2 Branches YAMAGATA MIYAGI Growing with the Region ・・・・・・10 127 Branches 1 Branch 1 Branch 77 Bank Group ・・・・・・11 SENDAI Board of Directors and Statutory Auditors ・・・・・・12 Headquarters Organization ・・・・・・12 Treasury Administration & Financial Section ・・・・・・13 International Division Consolidated Five-Year Summary ・・・・・・13 FUKUSHIMA Consolidated Performance for Fiscal 2012 ・・・・・・14 6 Branches Consolidated Balance Sheet ・・・・・・15 Consolidated Statement of Operations ・・・・・・16 Consolidated Statement of Comprehensive Income ・・・・・・16 Consolidated Statement of Changes in Equity ・・・・・・17 Consolidated Statement of Cash Flows ・・・・・・18 Notes to Consolidated Financial Statements ・・・・・・19 Shanghai Representative Office Independent Auditors’ Report ・・・・・・39 Capital Adequacy Ratios ・・・・・・40 Address: 16th floor, Hang Seng Bank Tower, 1000 Lujiazui Ring Road, Pudong New Area, Shanghai, Non-Consolidated Balance Sheet ・・・・・・41 Non-Consolidated Statement of Income ・・・・・・42 P. R. China Loan Portfolio ・・・・・・43 Phone: +86-21-6841-2077 Bank Data ・・・・・・45 45

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