San ju San Financial Group,Inc.
7322・Prime Market・Banks
Governance
Structured as a company with an Audit and Supervisory Committee, comprising 12 directors (of which 4 are outside directors). A Nomination Committee (advisory body) and a Compensation Committee (internal body) have been established, and delegation of authority to the Group Management Council, Risk Management Council, and Compliance Council achieves both swift decision-making and strengthened oversight functions.
Risk Management
Credit, market, liquidity, and operational risks are managed through a two-tier structure combining individual risk management and integrated risk management. With the Risk Management Executive Committee and the Risk Management Division at the core, risks across the entire group are overseen in a cross-organizational manner, aiming to maintain management soundness by comparing risks against capital.
Shareholder Returns
For FY2026 (ending March 2026), the company implemented an annual dividend of ¥64 interim and ¥80 year-end (total ¥144), an increase of ¥44 from the previous period's ¥100, with a payout ratio of 30.3%. For FY2027 (ending March 2027), on a post-stock-split basis, an annual dividend of ¥44 (¥22 interim and ¥22 year-end) is planned, with a payout ratio target of 30.5%.
Dividend Policy
For FY2026 (ending March 2026), the annual dividend consisted of ¥64 interim and ¥80 year-end (total ¥144) (previous period actual: ¥37 interim and ¥63 year-end, total ¥100). The year-end dividend was increased by ¥16 from the initial forecast of ¥64. The payout ratio was 30.3%. Note that a 4-for-1 stock split was implemented effective April 1, 2026, and the forecast for FY2027 (ending March 2027), on a post-split basis, is an annual dividend of ¥44 (¥22 interim and ¥22 year-end), with a payout ratio of 30.5%. As its shareholder return policy, the company has established a policy of maintaining a stable dividend of ¥18 (post-split) while targeting a payout ratio of approximately 30% of profit attributable to owners of parent.
ESG
The company supports the TCFD recommendations and has conducted scenario analysis of climate change risks (transition and physical). It has set targets to reduce Scope 1 and 2 CO₂ emissions by 70% by FY2030 (versus FY2013 levels) and to achieve carbon neutrality by 2050. It has also set and disclosed a sustainable finance target (¥100.0 billion by FY2026) and human capital KPIs, including a target of 20% or more for the ratio of female managers and 100% or more for the male employee childcare leave utilization rate.
Last updated: June 18, 2026