The Toho Bank, Ltd

As the leading bank in Fukushima Prefecture, Toho Bank has contributed to the prosperity of its local communities since being established in November 1941. In response to the trust placed in us by our customers and the market region we serve, in April 2006 we initiated our new medium-term management plan, “TOHO Breakthrough Plan 2006,” as an action program. Our goal is to become Japan’s “Best Regional Bank in the 21st Century” (our longterm vision), evaluated positively by the market and our shareholders. We are aggressively addressing our customers’ increasingly diversified and sophisticated needs, devoting our full efforts to strengthening previously executed risk management capabilities, and providing active disclosure of our financial position. Toho Bank has received a long-term credit rating of A– from Standard & Poor’s, the international credit rating firm, which we have duly disclosed. Moreover, Japan Credit Rating Agency, Ltd. (JCR), one of Japan’s representative rating agencies, assigned the bonds a senior long-term credit rating of “A.” As of March 31, 2008, Toho Bank had total net assets of ¥122.7 billion (US$1,224 million) and total assets of ¥2,856.9 billion (US$28,514 million) (both figures on a consolidated basis), 1,910 employees, and a business network composed of 112 branches.

Address: 3-25, Ohmachi, Fukushima 960-8633, Japan

Phone: +81 24 523 3131
FAX: +81 24 524 1583