The San-in Godo Bank,Ltd.
8381・Prime Market・Banks
Governance
The company has adopted a company with an audit and supervisory committee structure, with a board of directors comprising 13 members (including 7 outside directors). A voluntary Nomination and Compensation Committee has been established as an advisory body to the board of directors, and the executive officer system separates the supervisory function from business execution.
Risk Management
The Bank classifies risk into four categories\u2014credit risk, market risk, liquidity risk, and operational risk\u2014and has established a risk oversight department based on the Integrated Risk Management Regulations. A risk management framework has been developed through the ALM Committee, the Compliance Committee, and Gogin CSIRT, with regular verification and review conducted through the PDCA cycle.
Shareholder Returns
For FY2025, an annual dividend of ¥60 per share (interim ¥28, year-end ¥32) was implemented, with a payout ratio of 39.9%. For FY2026 (ending March 2026), an annual dividend of ¥68 (interim and year-end ¥34 each) is planned, and a share buyback with an upper limit of ¥3.0 billion in total has also been decided. The target total return ratio is approximately 40%.
Dividend Policy
The basic policy is progressive dividends through profit growth, with dividends paid twice a year via interim and year-end dividends. FY2025 results were an interim dividend of ¥28 and a year-end dividend of ¥32 per share (total ¥60, payout ratio 39.9%). The FY2026 (ending March 2026) forecast is an interim dividend of ¥34 and a year-end dividend of ¥34 (total ¥68, payout ratio of approximately 40.0%). The policy targets a total return ratio of around 40%, combining this with flexible share buybacks to enhance shareholder returns.
ESG
Since its 2019 Sustainability Declaration, the company has endorsed TCFD and TNFD, achieved cumulative sustainable finance of ¥710.0 billion (FY2021–FY2025), and reduced Scope 1+2 emissions by 70.5% versus FY2013 levels (FY2025 result: 3,674 t-CO2). In terms of human capital, the company discloses specific metrics such as a 25.5% ratio of female managers, an AA engagement rating, and development investment of ¥1,033 million (FY2025).
Last updated: June 16, 2026