The Awa Bank, Ltd.
8388・Prime Market・Banks
Governance
The company has adopted the structure of a company with an Audit and Supervisory Committee. The Board of Directors comprises 8 directors who are not Audit and Supervisory Committee members and 7 directors who are Audit and Supervisory Committee members (5 of whom are outside directors). An Advisory Committee (with outside directors comprising a majority of its members) has been established as an advisory body to the Board of Directors, ensuring independence and objectivity in matters related to nominations and compensation.
Risk Management
The company has established an integrated risk management framework centered on the Risk Management Division as the coordinating department, managing credit, market, liquidity, and operational risks by category. It has introduced a Risk Appetite Framework (RAF) to optimize the balance between profitability and soundness, while establishing a system in which the Management Committee and the ALM Committee deliberate and decide on important matters.
Shareholder Returns
The annual dividend for FY2026 (ending March 2026) is ¥142.50 per share (interim ¥60 + year-end ¥82.50, including a ¥10 special dividend commemorating the 130th anniversary of founding), with a payout ratio of 35.9%. For FY2027 (ending March 2027), a dividend of ¥190 (interim ¥100 + year-end ¥90) is planned. From FY2026, the policy has been changed to target a payout ratio of 40% or more.
Dividend Policy
From FY2026, the shareholder return policy has been changed to target a payout ratio of 40% or more of profit attributable to owners of parent, aiming to increase dividends per share through profit growth. Share buybacks will be conducted flexibly and opportunistically, taking into account improvements in capital efficiency and market conditions. The annual dividend for FY2026 (ending March 2026) is ¥142.50 per share (interim ¥60 + year-end ¥82.50, including a ¥10 special dividend commemorating the 130th anniversary of founding), with a payout ratio of 35.9%. For FY2027 (ending March 2027), a dividend of ¥190 per share (interim ¥100, including a ¥10 special dividend + year-end ¥90) is planned, with a projected payout ratio of 41.9%.
ESG
The company endorses the TCFD Recommendations (June 2021) and the TNFD Forum (March 2026), and has conducted scenario analysis of climate change risks (transition and physical risks), with transition risk estimated at up to approximately ¥4.2 billion and physical risk at up to approximately ¥4.8 billion. The balance of ESG investments and loans stood at ¥179.7 billion in FY2026 (ending March 2026) actual results (target of ¥300.0 billion for FY2028, ending March 2028), and Scope 1+2 CO2 emissions were reduced by 51.0% compared to fiscal 2013 (fiscal 2024 actual results). In terms of human capital, the company achieved a ratio of women in managerial positions of 30.6% and a male childcare leave take-up rate of 133.0%, and plans to invest ¥2.0 billion in human capital over the three years starting from fiscal 2026.
Last updated: June 12, 2026