Juroku Financial Group, Inc.
7380・Prime Market・Banks
Governance
As a company with an Audit and Supervisory Committee, the Board of Directors consists of 10 members (4 outside directors, of which 2 are members of the Audit and Supervisory Committee). A Personnel Advisory Committee and a Compensation Advisory Committee, each chaired by and comprising a majority of outside directors, have been established, and from June 2026 a Chief Officer system will be introduced to strengthen governance.
Risk Management
The company comprehensively manages credit, market, liquidity, and operational risks, holding regular Group Risk & Compliance Meetings chaired by the President. The Board of Directors has identified 10 top risks, including climate change risk and the intensification of natural disasters, and has introduced a Risk Appetite Framework (RAF) to implement integrated management.
Shareholder Returns
Annual dividend per share for FY2026 (ending March 2026) is ¥240 (interim ¥100 + year-end ¥140), with a payout ratio of 31.3%. For FY2027 (ending March 2027), on a post-stock-split basis (1 share into 5 shares), the annual dividend is forecast at ¥50 (¥25 each), with a payout ratio of 31.6%. Share buybacks were also conducted (¥3,011 million in the current fiscal year).
Dividend Policy
The basic policy is to continue stable dividends while paying attention to improving the financial structure, with the level of shareholder returns determined based on a comprehensive assessment of the business environment and profit levels, targeting a payout ratio of 30% or higher. A stock split at a ratio of 5 shares for every 1 share of common stock was carried out effective April 1, 2026. The forecast dividend for FY2027 (ending March 2027) is ¥50 per share on a post-split basis (¥25 at the second-quarter end + ¥25 at year-end), with a payout ratio of 31.6% expected.
ESG
Endorses TCFD and conducts scenario analysis of physical and transition risks from climate change (estimating the increase in credit-related costs through 2050). Has set a carbon neutrality target for its own GHG emissions (Scope 1, 2) by FY2030, achieving an 83.6% reduction in FY2025 compared to FY2013. On human capital, has set KPIs such as a 20% ratio of female managers (FY2030 target) and developing 300 IT/DX personnel, and has been certified as an Excellent Health Management Corporation for 7 consecutive years. Has introduced a stock-based compensation system that reflects ESG indicators (amount of sustainable finance executed, GHG reduction, ratio of female managers) in executive compensation.
Last updated: June 11, 2026