THE BANK OF KOCHI,LTD.
8416・Standard Market・Banks
Governance
A company with a Board of Corporate Auditors, consisting of 8 directors (including 3 outside directors, an outside ratio of 37.5%). Since November 2018, the company has established a Nomination and Compensation Committee (composed of 5 directors, including 3 outside directors) to ensure fairness and transparency in nomination and compensation procedures.
Risk Management
The Company manages credit, market, liquidity, and operational risks by category, with the Management Planning Department serving as the coordinating department and the Risk Management Committee providing integrated control over the overall framework. Transition risks and physical risks associated with climate change are incorporated into integrated risk management as emerging risks.
Shareholder Returns
For FY2025 (ended March 2025) (fiscal year ending March 2026), the company maintained an annual dividend of ¥25 per share on common stock (interim ¥10 + year-end ¥15). The consolidated dividend payout ratio was 52.9%. Class II preferred stock received an annual dividend of ¥175. For FY2027 (ending March 2027), the same annual dividend of ¥25 is forecast. Share buybacks were effectively nil.
Dividend Policy
The policy is to flexibly allocate returns based on flow profits and stock of retained earnings. Common stock dividends are paid twice a year: an interim dividend (resolved by the Board of Directors) and a year-end dividend (resolved at the general shareholders' meeting). FY2025 results: common stock dividend of ¥10 interim and ¥15 year-end per share (annual total ¥25, total dividends of ¥254 million, consolidated dividend payout ratio of 52.9%). Class II preferred stock paid ¥87.50 per share each time (annual total ¥175, total dividends of ¥119 million). For FY2027 (ending March 2027), the company plans to maintain an annual dividend of ¥25 per share on common stock (interim ¥10 + year-end ¥15) and an annual dividend of ¥175 on Class II preferred stock.
ESG
The company has set a target of reducing CO2 emissions (Scope 1+2) by 50% by FY2030 (ending March 2031) compared to FY2013 levels, and achieved a 41.2% reduction on a consolidated basis in FY2025. In addition, the company is promoting decarbonization-related investments and loans through the "Kougin Green Fund" (targeting a cumulative ¥200.0 billion, with actual results of ¥50.3 billion as of the end of March 2026). It is also advancing human capital management with targets of a female manager ratio of 35% or higher (actual result of 29.6% as of the end of March 2026) and a 100% male childcare leave utilization rate (actual result of 100%), and has obtained certification as an "Excellent Enterprise of Health and Productivity Management 2026 (Large Enterprise Category)".
Last updated: June 25, 2026