Since its foundation in 1878, based on our management philosophy of dedication to serve The Trajectory of the local community for the prosperity of the local community, throughout the four generations of Meiji, Taisho, Showa, and Heisei, The 77 , Ltd. has developed steadily About The 77 Bank, Ltd. Trust and Growth by overcoming many difficulties while pursuing sound management. In this generation of Reiwa, we will continue to walk together with the region.

2017.4 1878.12 1972.10 1999.3 Started business of 77 Securities Co., Ltd. Started operations as Shares listed Abolished the New York Branch and The 77th National Bank (Second Section of the Representative Office 2017.6 Tokyo Stock Exchange Transitioned to a Company with an and the Sapporo Securities Audit & Supervisory Committee Exchange) 1985.10 1999.8 2018.4 1974.11 Opened the London Merged The 77 Card Co., Ltd. and Start of the Medium-term Management Plan Established 77 Representative Office “For The Customer & For The Future” Head Office at the time of our foundation 77 Credit Services Co., Ltd., with The 77th Card Co., Ltd. in 1878 (former Hinoya site) Lease Co., Ltd. as the surviving company —Best Consulting Bank Project— Current Head Office 1893.5 1932.1 1990.11 1977.9 Upgrade the New York Established Miyagi Savings The current The 77 Bank, Ltd. was established through Head Office relocated Representative Office Bank the merger of The 77 Bank, 2018.7 to a new building at to the New York Branch （Renamed Gojo Bank in Tohoku Jitsugyo Bank, and Gojo Bank Established 77 Research and Chuo 3-chome 1921） Consulting Co., Ltd. 1960 1970 1980 1990 2000 2010 2016.1 Started operation of the common use system（ MEJAR） 1978.10 2006.11 1910.6 1988.4 Established the Aomori 1961.5 Established 77 Shin-Yo Hosyo Established Tohoku Opened the New York Corporate Sales Office 2016.5 The Bank Creed established Co., Ltd. 1998.4 Jitsugyo Bank, Ltd. Representative Office Opened the Singapore as the basic principle of management Established 77 Business Representative Office Support Foundation 1898.3 1988.10 2016.7 Name changed to The 77 Bank, Ltd. 1978.12 Increased capital to ¥22.2 billion 1997.12 Established 77 Capital Co., Ltd. Building housing the Singapore Celebrated the 100th anniversary Established 77 Credit Representative Office of our founding. Increased capital Services Co., Ltd. 2016.7 to ¥12.0 billion Established 77 Securities Preparatory 1973.8 1983.2 Establishment Co., Ltd.（trading name was changed to Established The 77 Card Co., Ltd. Building housing the 77 Securities Co., Ltd. in January 2017） Share listing changed to the Firs Section Representative of the Tokyo Stock Exchanget Office 2016.9 Established the Hachinohe Corporate Sales Office 1882.7 Tokyo Branch 2005.7 Opened the Shibusawa warehouse during the Meiji era, where the first Opened the Shanghai Tokyo Branch of The 77th National Bank was located Tokyo Branch Representative Office 2016.11 Converted 77 Lease Co., Ltd., 77 Shin-Yo Hosyo Co., Ltd., and The 77 Card Co., Ltd. into wholly-owned subsidiaries

, The roots of the 77 Bank s uniqueness

1. Deep connection with Eiichi Shibusawa 2. Trust relationship with the Tokyo Stock Exchange Eiichi Shibusawa, a businessman who was known as “the father of Japanese capitalism,” The Tokyo Stock Exchange (currently Tokyo Stock Exchange, Inc.), which was had a strong interest in the Tohoku region through Munenari Date, who provided him with established in May 1878, along with an increase in trading volume, in 1894 designated the opportunity to enter the Ministry of Finance. At the time, there was no bank based in The 77th National Bank as the only bank among many to handle receipts and Miyagi Prefecture and for this reason, when The 77th National Bank was established, disbursements operations (*) for all trades of shares cleared. The reasons for this Shibusawa not only provided investment and various advice regarding such matters as the designation include a recommendation from Eiichi Shibusawa and the provision of relief nature of the banking business and basic management concepts, he also seconded financing to the Tokyo Stock Exchange during a stock market crash caused by a exceptional talent including Keishi Endo (the second and fourth President) and Seikei Ono recession when Seikei Ono, who became the fifth president, was manager of the Tokyo from The Dai-Ichi Bank Limited. Furthermore, Shibusawa provided both mental and practical Branch, which rescued the exchange. Over the next 120 years and to the present, support to the Bank over many years, including his transfer of The Dai-Ichi Bank Limited’s The 77 Bank, Ltd. remains the only regional bank designated as a funds settlement banking business in Miyagi Prefecture to The 77th National Bank and his appointment as bank, alongside the mega banks. Advisor in 1908. Eiichi Shibusawa’s spirit of “harmony of morality and the economy” lives on * Receipts and disbursements operations refers to account processing for the trading floor of a stock exchange today in the line from the Bank Creed, which describes the Bank’s management philosophy, Eiichi Shibusawa Seikei Ono that states “the Bank’s progress goes hand in hand with prosperity in the local community.” （The photograph in the possession 5th President of Fukaya City.）

3 THE 77 BANK INTEGRATED REPORT THE 77 BANK INTEGRATED REPORT 4