Chugin Financial Group,Inc.
5832・Prime Market・Banks
Governance
The company has adopted an Audit and Supervisory Committee structure, with the Board of Directors composed of 9 members (including 5 outside directors). A Nomination and Compensation Committee (chaired by an independent outside director) has been established as a voluntary advisory body to the Board of Directors, ensuring fairness and transparency in governance.
Risk Management
The company has established a risk management framework based on the concept of the
Shareholder Returns
Targeting dividend growth through profit growth, with a payout ratio target of approximately 40%. The annual dividend for FY2026 (ending March 2026) is ¥90 (interim ¥37, year-end ¥53), an increase of ¥28 year-on-year. The forecast for FY2027 (ending March 2027) is an annual dividend of ¥102 (interim and year-end ¥51 each). Share buybacks are conducted flexibly using a Common Equity Tier 1 ratio (excluding net unrealized gains on securities, etc.) of 11–12% as a benchmark.
Dividend Policy
The company targets a payout ratio of approximately 40% relative to profit attributable to owners of parent, aiming for dividend growth through profit growth. Share buybacks are conducted flexibly using a Common Equity Tier 1 ratio (excluding net unrealized gains on securities, etc.) of 11–12% as a benchmark. The annual dividend for FY2026 (ending March 2026) is ¥90 (interim ¥37, year-end ¥53), with a payout ratio of 40.2%. The dividend forecast for FY2027 (ending March 2027) is an annual dividend of ¥102 (interim ¥51, year-end ¥51), with a payout ratio of approximately 40%.
ESG
The company supports international initiatives such as TCFD, TNFD, and the Poseidon Principles, and has set a target of achieving net zero for Scope 1 and 2 emissions by the end of FY2030 (ending March 2031). For sustainable finance, the target is ¥3 trillion (of which ¥2 trillion is environment-related) by the end of FY2030 (ending March 2031), with cumulative group-wide results reaching ¥1,418.9 billion as of the end of FY2025 (ending March 2026). In terms of human capital, the company has achieved a female employee ratio of 53.1% and a female manager/supervisor ratio of 24.2% (The Chuo Bank of Chugoku, Ltd. on a standalone basis), and is promoting three consecutive years of base pay increases along with expanded investment in human capital.
Last updated: June 15, 2026