77 Bank (77 Bank)

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TL;DR

The largest regional bank in the Tohoku region, headquartered in Sendai City, Miyagi Prefecture, TSE PRIME 8341. Founded in Sendai in 1878-12-09 as the 77th National Bank, renamed in 1898 to The 77 Bank, Ltd. It maintains a single-bank structure (no holding-company conversion), with overwhelming share within Miyagi Prefecture and a presence across the 6 Tohoku prefectures plus the Tokyo metropolitan area. Nicknamed “Shichi-shichi” / “77”. Although the 2011-03-11 Great East Japan Earthquake caused catastrophic damage around the Sendai head office, it functioned as the core of reconstruction finance. Total assets 10兆4,227億円, loans 6兆1,705億円 (as of end-2025-03 ).

1. Company overview

Formal name: The 77 Bank, Ltd. English name: The 77 Bank, Ltd. Securities code: TSE PRIME 8341 Established: 1878-12-09 (as the 77th National Bank; among the oldest of Japan’s currently existing banks) Head office: 3-3-20 Chuo, Aoba-ku, Sendai City, Miyagi Prefecture Governance design: Company with an audit and supervisory committee Principal supervision: Financial Services Agency, BOJ Sendai Branch

Characteristics of the business model

Single bank, no holding-company conversion
- Even among Tohoku regional banks, while proclair-hd (Aomori / Michinoku merger) and jimoto-hd (Sendai Bank + Kirayaka Bank) restructure via holding-company conversion, 77 Bank maintains a single-bank structure
- Among major regional banks, not having converted to a holding company aligns with the path of strong regional banks such as chiba-bank・shizuoka-bank・joyo-bank (→ forming Ashikaga and mebuki-fg)・bank-of-kyoto
Member of the Regional Banks Association. Does not participate in the TSUBASA Alliance; participates in the Chiba Bank-led “Regional Revitalization and Activation Network” (the 9 行 of Chiba, Hokkaido, 77, Hachijuni, Shizuoka, Kyoto, Hiroshima, Iyo, Fukuoka)

Major affiliated companies (principal group)

77 Bank (single / listed 8341)
  ├── 77 Lease
  ├── 77 Credit Guarantee
  ├── 77 Card Co., Ltd.
  ├── 77 Securities
  ├── 77 Digital Solutions
  ├── 77 Insurance Service
  └── (no holding company; directly operated by the bank itself)

Note: For the comprehensive lineup of group subsidiaries, refer to the official disclosure publication (annual).

Dawn period: from the National Bank Ordinance to a joint-stock bank

Year/Month	Event
1872	National Bank Ordinance promulgated (the Meiji government’s creation of a national-law banking system)
1878-12-09	77th National Bank established (Sendai, as a shizoku-jusan business of former Sendai-domain samurai)
1893	Act on Special Disposition before Expiry of National Bank Business → conversion to a private bank
1898	Renamed The 77 Bank, Ltd.
1932	The 3 行 of 77 Bank, Tohoku Jitsugyo Bank, and Gojo Bank merged and were newly established as The 77 Bank, Ltd.
1949	Listed on the Tokyo Stock Exchange

Postwar〜bubble era

Year/Month	Event
1950s〜1980s	Expanded the branch network across Miyagi Prefecture and all of Tohoku during the high-growth period
1990s	Maintained the single path even through the regional-bank-industry restructuring period after the bubble collapse

Since the Great East Japan Earthquake (most important)

Year/Month	Event
2011-03-11	Great East Japan Earthquake occurs ★ Sendai head office surroundings devastated, many coastal branches damaged by the tsunami, ATMs/systems halted. Casualties among officers, staff, and customers
2011-03〜04	Acceptance of relief donations and emergency loans; special deposit-withdrawal measures for disaster victims (handling without passbook or seal)
2012-2015	Reconstruction 5 -year intensive period: Great East Japan Earthquake reconstruction special-loan scheme, group-subsidy-related loans
2022-04	Listed on TSE PRIME (market-segment review)
2024-05	Announced the medium-term management plan “Vision2030 — A Leading Company that Pioneers the Future” (2024-05-10)

Geographic base

Main: All of Miyagi Prefecture (Sendai City is the only government-ordinance-designated city in Tohoku and the core of the Tohoku economy)
Overseas representative offices: Shanghai (opened 2005-07 ) and Singapore (opened 2016-05 ), 2 bases. The New York and London offices were closed by 1999

Competitive landscape

Competitor	Base	Relationship
Toho Bank	Fukushima	Major neighboring-prefecture regional bank, overwhelming share within Fukushima Prefecture
Bank of Iwate	Morioka	Overwhelming share within Iwate Prefecture
Yamagata Bank	Yamagata	Overwhelming share within Yamagata Prefecture
Akita Bank	Akita	Overwhelming share within Akita Prefecture
Aomori Bank (→ proclair-hd Michinoku merger)	Aomori	2022 holding-company integration
JIMOTO Holdings jimoto-hd	Sendai・Yamagata	Sendai Bank + Kirayaka Bank, directly competing with 77 within Miyagi
Megabanks (mufg / smfg / mizuho-fg)	Tokyo	Compete on large-corporate / metropolitan-area transactions; 77 holds the advantage among local SME corporates
Shinkin / credit unions (Sendai Bank, Tohoku KK, etc.)	Various	Local micro corporates and individuals

Points on the single path

Merits: speed of decision-making, closeness to the region, cultural cohesion, franchise strength

Sense of scale (based on public information)

Item	Scale
Total assets	10兆4,227億円 (as of end-2025-03 )
Deposit balance	8兆9,608億円 (as of end-2025-03 )
Loan balance	6兆1,705億円 (as of end-2025-03 )
Employees	Consolidated 2,587 名 / non-consolidated 2,385 名 (as of end-2024-03 )

Note: The above is based on securities reports. For the latest monthly / period-end figures, refer to official IR (company overview, financial results summary).

5. Regulation and policy

Supervisor: Financial Services Agency, Tohoku Local Finance Bureau
Deposit insurance: Member of the Deposit Insurance Corporation
G-SIB / D-SIB designation: Not applicable (as a regional bank)
Recent policy topics:
- 2024〜 BOJ policy-rate normalization → expectation of deposit-loan interest-margin improvement
- 2020s〜 review of the branch network in population-declining regions
- 2025〜 population-retention measures for Sendai City / Miyagi Prefecture (its position as the center of the Tohoku economy) and the role of local financial institutions

6. Branding and culture

Origin of the bank name: The 77 th bank licensed under the National Bank Ordinance → adopting the number directly as the trade name (similarly: Daisan Bank, Hyakugo Bank, Hachijuni Bank, 18-shinwa-bank, etc.)
Abbreviation / common name: “Shichijushichi” / “Shichi-shichi” / “77”
CSR: earthquake reconstruction, local education and cultural support

jimoto-hd · proclair-hd · chiba-bank · shizuoka-bank · joyo-bank · mebuki-fg
mufg · smfg · mizuho-fg
18-shinwa-bank (reference for number-named regional banks)

Sources

Wikipedia: 77 Bank (https://ja.wikipedia.org/wiki/七十七銀行, 2026-05-19 extraction. Total assets, deposits, loans, employees, subsidiaries, overseas bases, and governance design confirmed)
77 Bank official company overview — https://www.77bank.co.jp/77bank/company/profile.html
77 Bank official management policy (medium-term management plan Vision2030) — https://www.77bank.co.jp/77bank/company/keieihoushin.html
77 Bank 2025年3月 financial results summary — https://www.77bank.co.jp/pdf/77bank/2025/2025_4_fs.pdf
General literature on the history of bank establishment under the National Bank Ordinance (1872)

[!info] Verification status confidence: likely (based on v1.0 Wikipedia 2026-05-19, with 2026-05-29 figure cross-checks). Qualitative information such as history, origin of the bank name, and earthquake response can be publicly confirmed via Wikipedia. Financial figures (total assets, deposits, loans, employees) are fixed based on the 2025-03 securities report; the subsidiary lineup, overseas bases, governance design, TSUBASA non-participation (participation in the Regional Revitalization and Activation Network), and medium-term management plan Vision2030 have been confirmed via official IR. Update with the latest period figures at the next review (2026-11-15).