Aichi Financial Group, Inc.
7389・Prime Market・Banks
Governance
The company has adopted the Company with Audit and Supervisory Committee structure, with the Board of Directors comprising 12 members in total: 6 directors who are not Audit and Supervisory Committee members and 6 directors who are Audit and Supervisory Committee members (of which 5 are outside directors). Two advisory bodies, the Nomination Committee and the Compensation Committee, both chaired by outside directors, have been established to ensure objectivity and transparency in decision-making.
Risk Management
A Group Risk Management Committee has been established based on the "Basic Policy on Risk Management," providing integrated management of credit risk, market risk, liquidity risk, operational risk, and other risks. With respect to climate change risk, scenario analysis based on the TCFD recommendations has been conducted (transition risk: approximately ¥5.9 billion per single fiscal year; physical risk: approximately ¥1.5 billion cumulative increase in credit costs), and a framework has been established to report periodically to the Board of Directors.
Shareholder Returns
Annual dividend for FY2026 (ending March 2026) is ¥135 (interim ¥50 + year-end ¥85), with a payout ratio of 30.2%. The forecast for FY2027 (ending March 2027) is an annual dividend of ¥30 on a post-stock-split basis (1-for-5 split; equivalent to ¥150 pre-split), with a target payout ratio of around 31.8%. Share buybacks were also conducted (¥1,125 million during the fiscal year under review).
Dividend Policy
Dividends are paid twice a year (interim and year-end). The actual annual dividend for FY2026 (ending March 2026) was ¥135 (interim ¥50 + year-end ¥85), with a payout ratio of 30.2% and a net asset dividend rate of 1.7%. The forecast for FY2027 (ending March 2027) is an annual dividend of ¥30 (¥15 at the second quarter-end + ¥15 year-end) on a basis reflecting the 1-for-5 stock split effective April 1, 2026, with a payout ratio of 31.8%. Without considering the stock split, the forecast annual dividend for FY2027 (ending March 2027) would be ¥150. The company continues its policy of targeting a payout ratio of approximately 30%.
ESG
The company has set a goal of achieving carbon neutrality in GHG emissions (Scope 1 and 2) by FY2030, and achieved a reduction rate of ▲79.5% in FY2025 compared to FY2013. Cumulative sustainable investment and financing for FY2022–FY2025 reached ¥422.0 billion (42.2% of the ¥1 trillion target), the ratio of female managers stood at 13.3%, and the company participates in the TNFD Forum, promoting comprehensive ESG management encompassing climate change, human rights, and human capital.
Last updated: June 19, 2026