The Ehime Bank, Ltd.
8541・Prime Market・Banks
Governance
The company operates as a company with a Board of Corporate Auditors, holding Board of Directors meetings (monthly) and Executive Committee meetings (weekly). It has established a Governance Committee (majority outside members) to deliberate on director nominations and compensation, with 4 outside directors and 2 outside corporate auditors serving an oversight function.
Risk Management
The company has established a Risk Management Committee, chaired by the Chief Risk Management Officer, to comprehensively manage credit risk, market risk, liquidity risk, system risk, climate change risk, and other risks. It has also established an ALM Committee, Compliance Committee, and AML/CFT Committee, with a framework in place to report to the Board of Directors on a semi-annual basis.
Shareholder Returns
Basic policy targets a payout ratio of 30% or more (non-consolidated). For FY2025, an annual dividend of ¥46 (a ¥12 increase year on year) was paid, including a special ¥2 dividend commemorating the company's 110th anniversary. For FY2026, an annual dividend of ¥48 (a ¥2 increase year on year) is planned. A small-scale share buyback was also conducted.
Dividend Policy
In light of its public nature and soundness as a bank, the company's basic policy is to aim for a payout ratio of 30% or more (non-consolidated) while strengthening its management structure, expanding its business base, and enhancing internal reserves. Dividends are paid twice a year (interim and year-end). For FY2025 (ending March 2026), the annual dividend is ¥46 (interim ¥17, year-end ¥29), including a special ¥2 dividend commemorating the company's 110th anniversary, with a payout ratio of 24.9% (consolidated). For FY2026 (ending March 2027), an annual dividend of ¥48 (interim ¥24, year-end ¥24) is planned, with a payout ratio of 28.8% (consolidated) expected.
ESG
Endorses the TCFD recommendations and has identified three materiality themes: environmental management, regional co-creation, and human capital management. GHG emissions achieved a 65.2% reduction in FY2025 versus FY2013 (exceeding the 50% target), and cumulative ESG-related investment and loans reached ¥92.3 billion as of the end of FY2025 (against a FY2030 target of ¥200.0 billion). On the human capital front, the company achieved a 14.3% ratio of female managers and a 100% rate of male employees taking childcare leave, and obtained Kurumin certification in June 2024.
Last updated: June 19, 2026