THE MICHINOKU BANK.LTD


Corporate Data

Corporate Group

Officers

Annual Report

Overseas and Domestic Network

AnnualReport

The Annual Report 2003 is available in Adobe Acrobat PDF file format.
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Alldata
1
 Financial Highlights
2
 Message from the Management
4
 Policiesof the MichinokuBank
5
 Improving Risk Management
6
 Becoming an Environmentally Friendly Company
7
 International Acitivities
8
 Financial Review
9
 Consolidated Balance Sheets
10
 Consolidated Statements of Incomeand Retained Earnings
11
 Consolidated Statements of Cash Flows
12
 Notesto Consolidated Financial Statements
21
 Report of Independent Certified Public Accountants
22
 Board of Directorsand CorporateAuditors
23
 Organization Chart
24
 Corporate Data-Corporate Group
25
 Overseas and Domestic Network