Printed in Japan

ANNUAL REPORT 2013Year ended March 31, 2013

THE OKAZAKI SHINKIN BANK41 Motosuga, Sugo-cho, Okazaki, Aichi 444-0035, JapanTEL : +81-564-21-6111 URL : http://www.okashin.co.jp

THE OKAZAKI SHINKIN BANK

１ 2

About the Representative System

OKAZAKI

NAGOYA

JAPAN

AICHI

Profile of The Okazaki Shinkin Bank

(As of March 31, 2013)

Approaching Our 90th AnniversaryLooking Back at 2012

Being a Financial Institution Useful to Everyone in the Community

Message from the Management

１ 2

About the Representative System

OKAZAKI

NAGOYA

JAPAN

AICHI

Profile of The Okazaki Shinkin Bank

(As of March 31, 2013)

Approaching Our 90th AnniversaryLooking Back at 2012

Being a Financial Institution Useful to Everyone in the Community

Message from the Management

3 4

Compliance-Related Activities

Compliance Management System

Fundamental Compliance Policy

Review of Operations Efforts towards Compliance (Adhering to Laws)Savings and Deposits

25,185

19,705

(100 million yen)

24,532

19,269

24,733

19,459

0

Loans

14,588

4,971

(100 million yen)

14,233

4,178

14,638

4,683

0

Profit and Loss Conditions

5,830

4,587

7,066

5,189

0

8,383

6,447

8,764

5,836

6,1046,731

0

5,412

3,828

Isolated Capital Adequacy Ratio

1,780

14.55

0

1,715

14.98

1,743

14.48

Assets Held

1,277855

421

(100 million yen)

1,6091,189

419

1,4201,027

393

National bonds, local bonds

0

3 4

Compliance-Related Activities

Compliance Management System

Fundamental Compliance Policy

Review of Operations Efforts towards Compliance (Adhering to Laws)Savings and Deposits

25,185

19,705

(100 million yen)

24,532

19,269

24,733

19,459

0

Loans

14,588

4,971

(100 million yen)

14,233

4,178

14,638

4,683

0

Profit and Loss Conditions

5,830

4,587

7,066

5,189

0

8,383

6,447

8,764

5,836

6,1046,731

0

5,412

3,828

Isolated Capital Adequacy Ratio

1,780

14.55

0

1,715

14.98

1,743

14.48

Assets Held

1,277855

421

(100 million yen)

1,6091,189

419

1,4201,027

393

National bonds, local bonds

0

5 6

●System Risk

●Administrative Risk

●Other Risk

Legal Risk

Personal Risk

Tangible Asset Risk

Reputation Risk

Operational Risk Credit Risk

Market Risk

Liquidity Risk

Efforts to Strengthen the Risk Management System

5 6

●System Risk

●Administrative Risk

●Other Risk

Legal Risk

Personal Risk

Tangible Asset Risk

Reputation Risk

Operational Risk Credit Risk

Market Risk

Liquidity Risk

Efforts to Strengthen the Risk Management System

87

Offices of Correspondent Banks Abroad

EUROPE 43

AFRICA1

ASIA149

OCEANIA8

LATIN AMERICA 7

NORTH AMERICA17MIDDLE EAST

5

International Operations Domestic Operations

↑ ↑

Supporting Our Customers’Overseas Business

ATM

Announcing the Opening of Okashin’s Online Bank!

↑ ↑

Okashin Summer School

Tenshi no Mori Project Exhibition

87

Offices of Correspondent Banks Abroad

EUROPE 43

AFRICA1

ASIA149

OCEANIA8

LATIN AMERICA 7

NORTH AMERICA17MIDDLE EAST

5

International Operations Domestic Operations

↑ ↑

Supporting Our Customers’Overseas Business

ATM

Announcing the Opening of Okashin’s Online Bank!

↑ ↑

Okashin Summer School

Tenshi no Mori Project Exhibition

Board of Directors and Corporate Auditors

Organization Chart

Kazutaka Arima

Tomihisa Suzuki

Minoru Sakoda

Masayoshi Saito

Sugao Asakura

Tetsuya Nakagawa

Masaki Okada

Toshihiro Asayama

Directors Corporate Auditors

Hiroyuki Yamashita (standing)

Yoshiharu Shiraki (standing)

Jun Kawai*

Tsuchio Hosoi*

*External auditor in accordance with provisions of the Commercial Code

Deputy President

Makoto Ookawara

Senior Managing Director

Masahiko Ueno

Senior Managing Director

Masami Fujii

President

Ichiro Ohbayashi

9

General

Member’s

Meeting

Board of Corporate Auditors

Corporate Auditors

Board of Directors

Executive

Committee

Directors

Senior

Managing Directors

Managing Director

Deputy President

President

Audit Division

Offices

General Planning Division

Risk Management Division

Personnel Division

General Affairs Division

Business Development & Administration Division

Credit Administration Division

Assets Management Division

Treasury & Securities Division

International Business Division

New Business and Growing Market Development Division

Nagoya Business Division

Operations Management Division

Deposit Operations Administration Division

Loan Operations Administration Division

Asset Liability Management Division

Retail Business Division

Business Support Division

Innovation Promotion Division

Sub-OfficeOkazaki Main Office (Business Division)

Hideaki Tanaka

Shigeki Sakai

10

Directory

Managing Director

Kazunari Uno

Higashimikawa Office

Nishimikawa Office

Nagoya Office

Offices Handling International Business

International Business Division

Head Office

Okazaki・Toyota Office

Service Network

Board of Directors and Corporate Auditors

Organization Chart

Kazutaka Arima

Tomihisa Suzuki

Minoru Sakoda

Masayoshi Saito

Sugao Asakura

Tetsuya Nakagawa

Masaki Okada

Toshihiro Asayama

Directors Corporate Auditors

Hiroyuki Yamashita (standing)

Yoshiharu Shiraki (standing)

Jun Kawai*

Tsuchio Hosoi*

*External auditor in accordance with provisions of the Commercial Code

Deputy President

Makoto Ookawara

Senior Managing Director

Masahiko Ueno

Senior Managing Director

Masami Fujii

President

Ichiro Ohbayashi

9

General

Member’s

Meeting

Board of Corporate Auditors

Corporate Auditors

Board of Directors

Executive

Committee

Directors

Senior

Managing Directors

Managing Director

Deputy President

President

Audit Division

Offices

General Planning Division

Risk Management Division

Personnel Division

General Affairs Division

Business Development & Administration Division

Credit Administration Division

Assets Management Division

Treasury & Securities Division

International Business Division

New Business and Growing Market Development Division

Nagoya Business Division

Operations Management Division

Deposit Operations Administration Division

Loan Operations Administration Division

Asset Liability Management Division

Retail Business Division

Business Support Division

Innovation Promotion Division

Sub-OfficeOkazaki Main Office (Business Division)

Hideaki Tanaka

Shigeki Sakai

10

Directory

Managing Director

Kazunari Uno

Higashimikawa Office

Nishimikawa Office

Nagoya Office

Offices Handling International Business

International Business Division

Head Office

Okazaki・Toyota Office

Service Network

Printed in Japan

ANNUAL REPORT 2013Year ended March 31, 2013

THE OKAZAKI SHINKIN BANK41 Motosuga, Sugo-cho, Okazaki, Aichi 444-0035, JapanTEL : +81-564-21-6111 URL : http://www.okashin.co.jp

THE OKAZAKI SHINKIN BANK