ZENKOKU HOSHO Co.,Ltd.
7164・Prime Market・Other Financing Business
Governance
The company has adopted the Board of Corporate Auditors system, with 3 out of 9 directors (increasing to 4 after the next general meeting) being outside directors. It has established a Nomination and Compensation Committee (chaired by an independent outside director), and has organized a system of specialized committees including a Risk Management Committee, Compliance Committee, and Information Security Committee.
Risk Management
The Compliance & Risk Management Division serves as the central department for the integrated management of 10 risk categories, including credit risk, market-related risk, and operational risk, with the Risk Management Committee (established under the Board of Directors) verifying the status of occurrence and management on a monthly basis. The company is also building a framework to incorporate climate change risk into its integrated risk management framework.
Shareholder Returns
For FY2026 (ending March 2026), the dividend per share is ¥120 (interim ¥45 + year-end ¥75), with total dividends of ¥15,978 million and a payout ratio of 49.2%. For FY2027 (ending March 2027), a dividend of ¥123 per share (interim ¥50 + year-end ¥73) is forecast. Share buybacks of ¥7,000 million were carried out. The basic policy is to pay stable and continuous dividends.
Dividend Policy
The basic policy is to pay stable and continuous dividends while securing the internal reserves necessary to build a robust financial base, taking overall management considerations into account. Dividends are paid twice a year, as an interim dividend and a year-end dividend. For FY2026 (ending March 2026), the actual dividend per share was ¥120 (interim ¥45 + year-end ¥75), with total dividends of ¥15,978 million and a payout ratio of 49.2%. For FY2027 (ending March 2027), the forecast is ¥123 per share (interim ¥50 + year-end ¥73), with a payout ratio of 50.0%. Note that a 2-for-1 stock split of common shares was carried out effective April 1, 2025, and the dividend per share of ¥212 for FY2025 (ended March 2025) is the actual pre-split amount.
ESG
In line with TCFD recommendations, the company discloses climate change risks (estimating that under the RCP8.5 scenario, the increase in credit-related costs through 2050 could reach approximately ¥11.0 billion at most), and has set targets to reduce GHG emissions by 50% by 2030 versus FY2013 levels and achieve net zero by 2050. On the human capital front, employee satisfaction and engagement targets have been incorporated as KPIs in the medium-term management plan, and the company is promoting women's advancement, encouraging the uptake of childcare leave, and implementing health promotion initiatives.
Last updated: June 12, 2026