Hokkoku Financial Holdings,Inc.
7381・Prime Market・Banks
Governance
As a company with an Audit and Supervisory Committee, the board consists of 9 directors (5 outside directors, an outside ratio of 55.5%), and all outside directors are independent officers. The chairman of the board of directors is an outside director, and the company has established a voluntary nomination and compensation committee (a majority of whose members are outside directors), thereby ensuring the effectiveness of its oversight function.
Risk Management
Based on the Integrated Risk Management Regulations, the Corporate Planning Department serves as the coordinating unit, centrally managing risk on a consolidated basis. The Bank periodically identifies various risks, including sustainability-related risks, and has established scenario analysis, sector-specific risk controls, an ALM framework, and crisis management systems (BCP and cyberattack response). The Audit Department conducts internal audits under the direction of the Audit and Supervisory Committee.
Shareholder Returns
Dividends are paid based on sustainable profit growth, targeting a payout ratio of approximately 40%. The annual dividend for FY2026 (ending March 2026) is ¥23 per share (interim ¥11 + year-end ¥12), with total dividends of ¥5,180 million and a payout ratio of 41.0%. For FY2027 (ending March 2027), an annual dividend of ¥30 (interim ¥15 + year-end ¥15) is planned. Share buybacks are conducted flexibly as a matter of policy.
Dividend Policy
Dividends are paid based on sustainable profit growth, targeting a payout ratio of approximately 40%. Share buybacks are conducted flexibly as a matter of policy. Dividends are paid twice a year, as an interim dividend and a year-end dividend. Note that a 10-for-1 stock split of common shares was implemented effective October 1, 2025; the annual dividend for FY2026 (ending March 2026) is ¥23 per share (interim ¥11 + year-end ¥12) after adjusting for the split, and ¥230 (interim ¥110 + year-end ¥120) before adjustment. The forecast for FY2027 (ending March 2027) is an annual dividend of ¥30 (interim ¥15 + year-end ¥15), with a forecast payout ratio of 39.3%.
ESG
The Bank endorses TCFD recommendations and conducts climate change scenario analysis (transition risk and physical risk) based on IPCC scenarios, while setting a target to reduce Scope 1 and 2 CO₂ emissions by 100% by FY2030 (ending March 2031) compared to FY2013 (ending March 2014) levels. On the social front, the Bank is actively promoting human capital investment, including a female manager ratio of 22.1%, a male childcare leave take-up rate of 105.6%, and certification as an Outstanding Health & Productivity Management Corporation (White 500) for five consecutive years. It has also established a framework in which the Board of Directors oversees sustainability management based on nine materiality issues.
Last updated: June 12, 2026