THE HYAKUGO BANK, LTD./Corporate Statement


	Corporate Philosophy Corporate Statement Profile Ratings Hyakugo Bank Group Organization Board of Directors and Corporate Auditors History


	Six-Year Summary (Consolidated) Six-Year Summary (Non-Consolidated)


	Message from the President Wisdom-Based Innovation 2009 Increasing Income Corporate Governance Current Status of Nonperforming Loans Financial Review Financial Section Corporate Data and Investor Information

Frontier Banking expresses Hyakugo Bank’s new commitment to share dreams with our customers.

Message
Hyakugo Bank announced its new Frontier Banking corporate statement in the lead-up to its 125th anniversary.

Backed in its development by a “merchant philosophy,” Hyakugo Bank has valued trust since its establishment. Building on this history, the Frontier Banking message conveys the determination to be a creative bank in which employees fully devote themselves to maintaining Hyakugo Bank’s valuable presence.

Frontier Banking. That is our promise!

We try to deliver the most advanced customer service in Japan.	We will provide cutting-edge services and financial products.	We will provide satisfaction that exceeds customer expectations.
Hyakugo Bank has built a foundation of sound management rooted in the region we serve. Based on the tangible and intangible assets we have accumulated through our long history, we try to be a bank with a culture marked by flexibility and an enterprising spirit.	Hyakugo Bank will overcome every hurdle to create new value and open new frontiers.	Hyakugo Bank will work to maintain its valuable presence. We believe that this contributes to satisfaction that exceeds customer expectations.

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