THE BANK OF SAGA LTD.
8395・Prime Market・Banks
Governance
Company with an Audit and Supervisory Committee (transitioned in June 2022). The Board of Directors consists of 17 members in total (including Audit and Supervisory Committee members), and an
Risk Management
Integrated risk management is implemented across four categories: credit, market, liquidity, and operational risk. The Risk Management Division oversees this framework, and reports are made to the Board of Directors on a quarterly basis. Regarding climate change risk, physical risk is recognized as the top risk and is managed within the existing risk management framework.
Shareholder Returns
Basic policy of stable dividends, paid twice a year. In light of strong performance, the annual dividend for FY2026 (ending March 2026) was raised to ¥110 (interim ¥50 + year-end ¥60). For FY2027 (ending March 2027), an annual dividend of ¥110 (interim ¥55 + year-end ¥55) is planned. A small amount of share buybacks was conducted (¥4 million in the current period).
Dividend Policy
In light of the public nature of bank management, the basic policy is to pay stable dividends while giving due consideration to retained earnings. Dividends are paid twice a year, as an interim dividend and a year-end dividend. For FY2026 (ending March 2026), the interim dividend is ¥50 and the year-end dividend is ¥60, for an annual total of ¥110 (payout ratio of 21.6%). For FY2027 (ending March 2027), an annual dividend of ¥110 (interim ¥55 + year-end ¥55) is planned. Going forward, the company will continue to base its policy on stable dividends while comprehensively taking into account business performance and other factors in returning profits to shareholders.
ESG
Established an SDGs Declaration in 2019 and endorsed the TCFD recommendations in 2022. The company has set a target of achieving carbon neutrality by FY2030 (ending March 2031), and has also begun disclosing Scope 3 financed emissions (FY2024: 2,503,390 t-CO2). Cumulative sustainable finance execution amounted to ¥127.1 billion as of the end of FY2025 (target: cumulative ¥300.0 billion for FY2023–FY2030). On the human capital front, the company discloses a female manager ratio of 13.3% (target: 20.0% by FY2027) and a male childcare leave uptake rate of 96.9%.
Last updated: June 23, 2026