Annual Report 2005 | THE 18TH BANK, LIMITED


	Profile

For 128 years since its founding, The Eighteenth Bank, Ltd. has been one of the foremost banks in Kyushu. We have a solid network of 104 branches, with 93 branches, including our head office, in our traditional base of Nagasaki Prefecture, and 11 branches in nearby Fukuoka, Kumamoto, and Yamaguchi Prefectures, as well as in the major cities of Tokyo and Osaka. By strengthening financial soundness and improving earning capacity, we aim to become Nagasaki Prefecture’s leading bank, providing comprehensive financial services suited to the demands of this new era in banking.
As of March 31, 2005, the Bank held deposits of ¥1,894.8 billion (US$17,644.4 million) and total assets of ¥2,265.6 billion (US$21,097.4 million) on a non-consolidated basis. We have maintained the soundness of our operations and achieved a term-end capital ratio of 8.85% in accordance with domestic standards.

CORPORATE PHILOSOPHY

In Tandem with the Region
As a financial institution that serves regional customers, The Eighteenth Bank will develop and progress in tandem with the region in which it operates while contributing to the regional community and the creation of a more affluent future for its people.

For the Sake of Our Customers
To respond accurately to the demands of its customers, The Eighteenth Bank will display foresight and sound management, make effective use of people and organizations, and provide the highest quality of services.

With Our Heart
We will respond to the trust and expectations of our customers by constantly improving ourselves, performing our work with enthusiasm and vigor, and putting priority on forming good relationships.