Bank of The Ryukyus, Limited
8399・Prime Market・Banks
Governance
Company with a Board of Corporate Auditors. Composed of 9 directors (3 outside) and 4 corporate auditors (3 outside). A Corporate Governance Committee (majority independent officers, chaired by an independent outside director) has been established as an advisory body to the Board of Directors, deliberating on matters such as officer appointments, compensation, and succession planning. In FY2025, the Board of Directors met 15 times and the Corporate Governance Committee met 7 times, with 100% attendance by all members.
Risk Management
A dedicated management department has been established for each risk category, with material risks consolidated at the Risk Management Division to ensure comprehensive identification and control. AML/CFT, cybersecurity, credit risk, systems risk, and other matters are continuously deliberated at the Board of Directors, and the sophistication of risk management based on stress testing and the approach to capital allocation are under review. A sustainable investment and financing policy has been formulated, formalizing exclusion and prudent response policies regarding financing and investment in coal-fired power, weapons, palm oil plantations, and similar areas.
Shareholder Returns
Dividend policy of paying dividends based on a comprehensive assessment of financial results, the financial environment, and future enhancement of shareholder value. Annual dividends for FY2025 (ended March 2025) were ¥38 per share (interim ¥19 + year-end ¥19), an increase of ¥1 year on year. For FY2026 (ending March 2026), a further increase of ¥2 to ¥40 per share is forecast. There are also articles of incorporation provisions allowing flexible share buybacks via board resolution.
Dividend Policy
While striving to strengthen internal reserves, dividends are paid based on a comprehensive assessment of factors such as financial results, the financial environment, and future enhancement of shareholder value. Interim dividends are determined by board resolution, and year-end dividends by resolution of the general shareholders' meeting. No numerical target for the payout ratio is disclosed.
ESG
Based on the TCFD recommendations, the Company has conducted scenario analysis of climate change risks (transition and physical) and set targets of carbon neutrality for Scope 1 and 2 by FY2027 (ending March 2027) and carbon neutrality for Scope 3 by FY2050 (ending March 2050). It is promoting the development of ZEP Ryukyu, ZEH-dedicated housing loans, and sustainable investment and loans (cumulative execution amount of ¥188.9 billion). It signed the UNEP FI Principles for Responsible Banking (PRB), becoming the third regional bank in Japan to do so. In terms of human capital, it achieved a ratio of female managers of 32.5% and a male childcare leave uptake rate of 109.8%, and has been certified as an Outstanding Health and Productivity Management Organization (White 500) for seven consecutive years.
Last updated: July 17, 2026