THE AKITA BANK, LTD.
8343・Prime Market・Banks
Governance
As a company with an audit and supervisory committee, the board is composed of 12 directors (including 7 outside directors), with an outside director serving as chairman of the board of directors. A nomination and compensation advisory committee has been established, with an independent outside director serving as chairman and vice-chairman, ensuring the independence of the oversight function.
Risk Management
Management regulations have been established for each category of risk, including credit risk, market risk, and liquidity risk, with the Risk Management Division providing centralized oversight under a three lines of defense system. The ALM Committee meets monthly and the Compliance Committee meets quarterly, while the Internal Audit Department conducts audits covering all divisions and branches, including subsidiaries.
Shareholder Returns
Promoting dividend increases linked to profit growth, targeting a payout ratio of 40% or more. The annual dividend for FY2025 was ¥175 (interim ¥75, year-end ¥100), with a payout ratio of 40.4%. For FY2026, an annual dividend of ¥200 (¥100 each for interim and year-end) is planned. Share buybacks are to be conducted flexibly in light of capital efficiency improvements and other factors.
Dividend Policy
Maintains stable dividends on the premise of sound management and adequate internal reserves. The payout ratio targets 40% or more of net income attributable to owners of the parent, aiming to increase dividends per share through profit growth. The basic policy is to pay dividends twice a year, comprising an interim dividend and a year-end dividend. Share buybacks are conducted flexibly, subject to ensuring sufficient capital, taking into account the effects of improved capital efficiency, investment opportunities for medium- to long-term growth, and market conditions.
ESG
The Company endorses the TCFD recommendations and has conducted climate change scenario analysis (transition risk: cumulative ¥2.71 billion by 2050; physical risk: estimated average increase in credit costs of ¥5.30 billion), while achieving cumulative renewable energy-related loans of ¥140.0 billion and cumulative sustainable finance of ¥254.8 billion. On the human capital front, the Company has set targets for the ratio of female managers at 14.0% (FY2027 target: 18% or higher) and the employee engagement score at 56.2 points (FY2027 target: 58.0 points or higher), and is progressing toward a 60.9% reduction in CO2 emissions compared to FY2013 levels (FY2027 target: 80% reduction).
Last updated: June 15, 2026