Yokohama Financial Group, Inc.
7186・Prime Market・Banks
Governance
Company with a Board of Corporate Auditors (planned transition to a Company with an Audit and Supervisory Committee, subject to approval at the June 2025 general shareholders' meeting). Of the 8 directors, 3 are independent outside directors (outside director ratio of 37.5%). The company has established a voluntary Compensation and Personnel Committee composed solely of outside directors to ensure objectivity and transparency.
Risk Management
Utilizing a risk appetite framework, the Group manages credit, market, liquidity, operational, and reputational risks in an integrated manner across the entire group. Risks that could have a significant impact on management are selected as "top risks" by the Board of Directors, with continuous monitoring conducted through KRIs. Climate change (transition and physical risks) is also designated as a top risk, and scenario analysis based on the TCFD framework is conducted.
Shareholder Returns
Annual dividend for FY2026 (ending March 2026) came to ¥38 per share (interim ¥17, year-end ¥21), an increase of ¥9 year-on-year. Payout ratio was 40.4%. ¥47 is planned for FY2027 (ending March 2027). Share buybacks of ¥41,754 million were executed.
Dividend Policy
The basic policy is progressive dividends, maintaining a payout ratio of around 40%. The annual dividend for FY2026 (ending March 2026) was ¥38 per share (interim ¥17, year-end ¥21), with a payout ratio of 40.4%. For FY2027 (ending March 2027), an annual dividend of ¥47 (interim ¥23, year-end ¥24) is planned, maintaining a payout ratio of 40.4%. Share buybacks are conducted flexibly, with ¥41,754 million repurchased in the current period.
ESG
The Group Sustainability Committee, chaired by the Representative Director and President, deliberates on policy initiatives, with a framework in place to report to the Board of Directors approximately once per quarter. For climate change, the company conducts scenario analysis based on TCFD recommendations, and has set targets of achieving carbon neutrality for Scope 1 and 2 emissions by FY2030 and net zero for its investment and loan portfolio by 2050. Cumulative sustainable finance executed reached ¥3.0 trillion in FY2024 (against a FY2030 target of ¥4.0 trillion). In terms of human capital, the company achieved a female manager/executive ratio of 21.6% (against a FY2027 target of 24.6%) and a male childcare leave uptake rate of 103.4%. The company has adopted a stock-based compensation system for executives that incorporates evaluations by ESG rating agencies and non-financial indicators.
Last updated: June 17, 2026