Overview
Banks

The 77 Bank,Ltd.

The 77 Bank is a regional bank headquartered in Sendai, Miyagi Prefecture, providing a comprehensive range of banking services including deposit-taking, lending, domestic and foreign exchange, trust services, and public bond/investment trust/insurance sales through its branch network. The Bank operates a diversified financial services group through 17 subsidiaries covering leasing (77 Lease), credit cards (77 Card), securities (77 Securities), credit guarantees (77 Credit Guarantee), consulting, human resources, digital solutions, and insurance services. The Group also manages multiple venture capital funds and maintains overseas presence through a Singapore subsidiary, targeting primarily corporate and retail customers in the Tohoku region.

Market Cap
¥754B
US$4.81B
EV
¥—B
Stock¥3,378▼-3.21%
US$1 = ¥156.80 (2026-10-23)
ROE
8.4%
* LTM NI / end-of-period equity
PBR
1.0
x
Stock vs TOPIX (1Y, base=100)vs TOPIX ▲+41.3%pt
100
Oct 24, 25 – Oct 23, 26StockTOPIX
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Performance & Balance
Revenue 5Y (¥B)
118US$754M'22/3122US$778M'23/3151US$960M'24/3172US$1.09B'25/3211US$1.35B'26/3
Net Income 5Y (¥B)
22.2US$142M'22/325.1US$160M'23/329.8US$190M'24/339.3US$250M'25/354.0US$344M'26/3
Capital Structure
100%
EquityD/E 0.00xDebt
Liquidity vs Debt 5Y (¥B)▲ Net Cash
CashInv. Sec.Debt
1,956US$12.5B'22/31,311US$8.36B'23/31,280US$8.16B'24/31,001US$6.38B'25/3601US$3.83B'26/3
Shareholders
Top 10 hold 42.6%
1
The Master Trust Bank of Japan, Ltd. (Trust Account)
14.27%
2
Custody Bank of Japan, Ltd. (Trust Account)
8.44%
3
Meiji Yasuda Life Insurance Company
4.55%
4
Sumitomo Life Insurance Company
4.21%
5
Nippon Life Insurance Company
3.50%
6
Tohoku Electric Power Company,Incorporated
2.26%
7
STATE STREET BANK AND TRUST COMPANY 505223 (Standing Proxy: Mizuho Bank, Ltd.)
1.38%
8
JP MORGAN CHASE BANK 385781 (Standing Proxy: Mizuho Bank, Ltd.)
1.34%
9
STATE STREET BANK AND TRUST COMPANY 505001 (Standing Proxy: Mizuho Bank, Ltd.)
1.34%
10
The Dai-ichi Life Insurance Company, Limited
1.31%
Management
14 officers
Hidefumi KOBAYASHI
Representative Director, President
Apr 1981 Joined The 77 Bank, Ltd. Jun 2008 General Manager, General Planning Department Jun 2010 Director, General Manager, General Planning Department Jun 2013 Director, General Manager, Head Office Sales Department Jun 2014 Managing Director, General Manager, Head Office Sales Department Jun 2015 Managing Director Jun 2017 Director, Deputy President Jun 2018 Director, President (current)
1957-09-22
Hiroshi KOBAYASHI
Representative Director, Deputy President
Apr 1991 Joined The 77 Bank, Ltd. Jun 2019 General Manager, General Planning Department Jun 2021 Executive Officer, General Manager, General Planning Department Jun 2023 Managing Director Jun 2024 Senior Managing Director Jun 2025 Director, Deputy President (current)
1968-05-27
Shuichi IBUKA
Representative Director, Senior Managing Director
Apr 1989 Joined The 77 Bank, Ltd. Jun 2016 General Manager, Market and International Department Jun 2019 Executive Officer, Manager, Ishinomaki Branch and Minato Branch Feb 2020 Executive Officer, Manager, Ishinomaki Branch Jan 2021 Executive Officer, Manager, Ishinomaki Branch and Kokumachi Branch Jun 2021 Senior Executive Officer, Manager, Ishinomaki Branch and Kokumachi Branch Jun 2022 Senior Executive Officer, General Manager, Head Office Sales Department; Manager, Basho-no-Tsuji Branch and Minamimachidori Branch Jun 2023 Managing Director Apr 2025 Managing Director, Manager, Oroshimachi Branch and Chuo Market Branch Jun 2025 Senior Managing Director (current)
1967-01-08
Yoshiyuki ODAJIMA
Director, Managing Executive Officer
Apr 1992 Joined The 77 Bank, Ltd. Mar 2020 Manager, Myokakucho Branch and Sendai Ekimae Branch Jun 2022 Executive Officer, General Manager, Sales Management Department Jun 2024 Managing Director Jun 2026 Director, Managing Executive Officer (current)
1969-12-14
Kazuhiro AOKI
Director, Managing Executive Officer
Apr 1992 Joined The 77 Bank, Ltd. Jun 2021 General Manager, Funds and Securities Department Jun 2022 Executive Officer, General Manager, Funds and Securities Department Jun 2024 Managing Director, General Manager, Funds and Securities Department Jun 2025 Managing Director Jun 2026 Director, Managing Executive Officer (current)
1970-03-25
Ken KAWAGUCHI
Director, Managing Executive Officer
Apr 1993 Joined The 77 Bank, Ltd. Apr 2020 General Manager, Direct Channel Promotion Department Jun 2023 Executive Officer, General Manager, Head Office Sales Department; Manager, Basho-no-Tsuji Branch and Minamimachidori Branch Jun 2025 Senior Executive Officer, General Manager, Head Office Sales Department; Manager, Basho-no-Tsuji Branch and Minamimachidori Branch Jun 2026 Director, Managing Executive Officer (current)
1970-07-17
Seiichi OTAKI
Director
Oct 1987 Associate Professor, Faculty of Economics, Tohoku University Apr 1992 Professor, Faculty of Economics, Tohoku University Apr 1999 Professor, Graduate School of Economics, Tohoku University Apr 2011 Dean, Graduate School of Economics and Dean, Faculty of Economics, Tohoku University Jul 2014 Chairman, Chiiki Sozo Kikin Sanaburi, Public Interest Incorporated Foundation Jun 2016 Audit & Supervisory Board Member, Yuatec Co., Ltd. Nov 2016 Representative Director, Local Good Creation Support Organization, General Incorporated Association (current) Apr 2018 Vice President, Shizenkan University (current) Jun 2020 Director, The 77 Bank, Ltd. (current)
1952-09-08
Shigenori KOYAMA
Director
Apr 1982 Joined Tohoku Metal Industries, Ltd. (now TOKIN Corporation) Apr 2007 Executive Officer, General Manager, EMC Business Division, TOKIN Corporation Jun 2010 Director, Executive Officer, TOKIN Corporation Jun 2011 Director, Managing Executive Officer, TOKIN Corporation Feb 2012 Representative Director, President, Executive Officer, TOKIN Corporation Apr 2017 Executive Vice President, KEMET Corporation Jul 2020 Advisor, TOKIN Corporation Jul 2021 Chairman, TOKIN Science and Technology Promotion Foundation, Public Interest Incorporated Foundation (current) Jun 2022 Director, The 77 Bank, Ltd. (current) Jun 2023 Director, Hakuto Co., Ltd. (current)
1957-02-28
Takashi KURODA
Director, Audit and Supervisory Committee Member
Apr 1990 Joined The 77 Bank, Ltd. Jun 2019 General Manager, Consulting Sales Department Jun 2020 Executive Officer, General Manager, Consulting Sales Department Jun 2021 Executive Officer, General Manager, Human Resources Department Jun 2022 Senior Executive Officer, General Manager, Human Resources Department Jun 2023 Managing Director Jun 2026 Director, Audit and Supervisory Committee Member (current)
1966-12-09
Yoko USHIO
Director, Audit and Supervisory Committee Member
May 2001 Senior Managing Director and Director of the Institute, Fujisaki Comfortable Living Research Institute Co., Ltd. May 2003 Director, Fujisaki Co., Ltd. Jan 2011 Advisory Fellow, Tohoku Activation Research Center Apr 2012 Fellow, Tohoku Activation Research Center, Public Interest Incorporated Foundation Apr 2016 Auditor, Tohoku University, National University Corporation Jun 2019 Director, Audit and Supervisory Committee Member, The 77 Bank, Ltd. (current) Aug 2020 Representative Director, Shinsei Sogo Jimusho Co., Ltd. (current)
1953-07-31
Naoto MIURA
Director, Audit and Supervisory Committee Member
Apr 1978 Joined Tohoku Electric Power Co., Inc. Jun 2012 Executive Officer, Deputy General Manager, Customer Division; General Manager, Distribution Department, Customer Division, Tohoku Electric Power Co., Inc. Jun 2015 Managing Director, Deputy General Manager, Power Network Division, Tohoku Electric Power Co., Inc. Jun 2015 Director, Tohoku Intelligent Telecommunications Co., Ltd. (now Talknet Co., Ltd.) Jun 2018 Representative Director, President, Tohoku Intelligent Telecommunications Co., Ltd. (now Talknet Co., Ltd.) Apr 2021 Representative Director, Chairman, Tohoku Intelligent Telecommunications Co., Ltd. (now Talknet Co., Ltd.) Jun 2023 Chairman, Tohoku Productivity Center Jun 2023 Director, Audit and Supervisory Committee Member, The 77 Bank, Ltd. (current) Apr 2024 Advisor, Talknet Co., Ltd.
1954-06-23
Shinya ENDO
Director, Audit and Supervisory Committee Member
Apr 1979 Joined Miyagi Prefectural Government Apr 2013 Director-General, Civil Engineering Department, Miyagi Prefectural Government Apr 2017 Chief Executive, Public Enterprise Management, Miyagi Prefectural Government Apr 2019 Deputy Governor, Miyagi Prefectural Government Jun 2019 Chairman, Miyagi International Economic Promotion Association, Public Interest Incorporated Association Jul 2020 Chairman and Representative Director, Sendai Port Trade Promotion Center Co., Ltd. Jun 2023 Chairman, Miyagi Industrial Promotion Organization, Public Interest Incorporated Foundation (current) Jun 2023 Chairman, Miyagi Sports Association, Public Interest Incorporated Foundation (current) Jun 2023 Director, Audit and Supervisory Committee Member, The 77 Bank, Ltd. (current)
1956-05-13
Kazuo FUKUDA
Director, Audit and Supervisory Committee Member
Apr 1981 Joined Bank of Japan May 2003 Head, Maebashi Branch, Bank of Japan Dec 2005 Counselor, Financial Institutions Department, Bank of Japan Jun 2007 Counselor, Institute for Monetary and Economic Studies, Bank of Japan Jul 2008 Head, Sendai Branch, Bank of Japan May 2012 Director-General, Documents Department, Bank of Japan Jun 2013 Auditor, The Chiba Bank, Ltd. Jun 2017 Managing Executive Officer, Osaka Exchange, Inc. Apr 2018 Director, Managing Executive Officer, Osaka Exchange, Inc. Apr 2019 Managing Director, Japan Exchange Regulation Jun 2023 Director, The 77 Bank, Ltd. Jun 2025 Director, Audit and Supervisory Committee Member, The 77 Bank, Ltd. (current)
1957-02-24
Sayaka KURIHARA
Director
Oct 2004 Registered as Attorney-at-Law Oct 2004 Joined Iwata Godo Law Offices Mar 2012 Partner Attorney, Sendai Asahi Law Office (current) Jun 2021 Director, G-DEP Advance Co., Ltd. (current) Jun 2026 Director, The 77 Bank, Ltd. (current)
1977-11-08
Large Shareholding Reports
Sumitomo Mitsui DS Asset Management Company, Limited
2026-10-07
7.68%→6.81%
Asset Management One Co., Ltd.
2026-01-22
4.48%→5.38%
Asset Management One Co., Ltd.
2025-10-22
4.48%
Disclosures
No disclosures
Primary Source Filings
EDINET
2026-10-07
Large Shareholding Report
TDnet
2026-07-31
Q1 Earnings Flash
FY ending Mar 2027
EDINET
2026-06-15
Annual Securities Report
Period: Apr 2025 – Mar 2026
TDnet
2026-01-30
Q3 Earnings Flash
FY ending Mar 2026
EDINET
2026-01-22
Large Shareholding Report
EDINET
2025-11-28
Semi-Annual Securities Report
Period: Apr 2025 – Mar 2026
EDINET
2025-10-22
Large Shareholding Report
TDnet
2025-07-25
Q1 Earnings Flash
FY ending Mar 2026
EDINET
2025-06-20
Annual Securities Report
Period: Apr 2024 – Mar 2025
TDnet
2025-01-31
Q3 Earnings Flash
FY ending Mar 2025
EDINET
2024-11-21
Semi-Annual Securities Report
Period: Apr 2024 – Mar 2025
EDINET
2024-07-26
Securities Registration Statement
TDnet
2024-07-26
Q1 Earnings Flash
FY ending Mar 2025
EDINET
2024-06-27
Annual Securities Report
Period: Apr 2023 – Mar 2024
EDINET
2024-02-02
Quarterly Securities Report
Period: Oct 2023 – Dec 2023
EDINET
2023-11-24
Quarterly Securities Report
Period: Jul 2023 – Sep 2023
EDINET
2023-08-04
Quarterly Securities Report
Period: Apr 2023 – Jun 2023
EDINET
2023-06-29
Annual Securities Report
Period: Apr 2022 – Mar 2023
EDINET
2023-02-03
Quarterly Securities Report
Period: Oct 2022 – Dec 2022
EDINET
2022-11-24
Quarterly Securities Report
EDINET
2022-08-05
Quarterly Securities Report
EDINET
2022-06-29
Annual Securities Report
EDINET
2022-02-14
Quarterly Securities Report
EDINET
2021-11-25
Quarterly Securities Report
EDINET
2021-08-06
Quarterly Securities Report
EDINET
2021-06-29
Annual Securities Report
EDINET
2021-02-12
Quarterly Securities Report
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