THE FIRST BANK OF TOYAMA,LTD.
7184・Prime Market・Banks
Governance
As a company with a Board of Corporate Auditors, the Board of Directors consists of 11 directors (including 4 outside directors, with an outside director ratio of at least one-third). A Nomination and Compensation Committee (chaired by an outside director, with a majority of independent outside directors) has been established as an advisory body to the Board of Directors to ensure transparency and objectivity in governance.
Risk Management
Credit, market, liquidity, operational and other risks are managed on an integrated basis, with capital allocation carried out at the start of each half-year period. The Risk Management Committee monitors and analyzes the situation on a monthly basis, and a framework has been established whereby matters are reported to the Board of Directors via the Management Committee. With respect to climate change risk, scenario analysis of transition and physical risks is also conducted based on the TCFD recommendations.
Shareholder Returns
For FY2025, the annual dividend was ¥84 (interim ¥28 + year-end ¥56), with a payout ratio of 35.2%. The company maintains a policy of a payout ratio of 35% or higher, and forecasts an annual dividend of ¥75 for FY2026. It also plans to repurchase up to ¥5,500 million in treasury shares this fiscal year.
Dividend Policy
The basic policy is to maintain a payout ratio of 35% or higher. The FY2025 actual results were an annual dividend of ¥84 (interim ¥28 + year-end ¥56), with a payout ratio of 35.2%. The FY2026 forecast is an annual dividend of ¥75 (interim ¥37.50 + year-end ¥37.50), with a projected payout ratio of 35.2%. In addition, the company will conduct treasury share repurchases taking into account business performance, capital position, and growth investment opportunities. Pursuant to a resolution of the Board of Directors on May 12, 2026, the company resolved to repurchase treasury shares up to 2,000,000 shares and up to ¥5,500 million (repurchase period: May 13, 2026 to May 29, 2026), and to cancel 1,309,700 treasury shares (effective May 29, 2026).
ESG
The company endorsed the TCFD recommendations in May 2022 and has set a target of reducing CO2 emissions by 50% by FY2030 (versus FY2013). In FY2025, it achieved 1,988 t-CO2 for Scope 1+2 (a 48.9% reduction versus FY2013). Against a cumulative sustainable finance target of ¥200 billion for FY2021-FY2030, it had executed ¥85.2 billion as of the end of FY2025. On human capital, the company has set and disclosed KPIs including wage increases for four consecutive years (5.75% planned for July 2026), a 100% rate of male employees taking childcare leave, and a 12.3% ratio of female managers.
Last updated: June 19, 2026