The Keiyo Bank, Ltd.
8544・Prime Market・Banks
Governance
The Board of Directors consists of 9 members, including 3 outside directors (as of the date of filing the Annual Securities Report). At the Annual General Meeting of Shareholders in June 2026, the company plans to transition to a company with an Audit and Supervisory Committee (following the transition, the board will consist of 15 members, including 7 outside directors). The company has established a Nomination and Compensation Advisory Committee, structured so that outside directors constitute a majority of its members.
Risk Management
The Risk Management Division centrally manages credit, market, liquidity, operational, system and other risks, and the company has established a Risk Management Committee and an ALM Committee. The compliance oversight function is placed within the Risk Management Division, which regularly convenes a Compliance Committee, and compliance officers are assigned to all sales branches and head office departments.
Shareholder Returns
For FY2026 (ending March 2026), the company paid an interim dividend of ¥19 and a year-end dividend of ¥23 (annual total ¥42), with a payout ratio of 31.8%. For FY2027 (ending March 2027), it forecasts an annual dividend of ¥66 (¥33 interim and ¥33 year-end), with a payout ratio expected to be 40.5%. Share buybacks are also being continued.
Dividend Policy
The basic policy is to allocate appropriately to stakeholders while maintaining sound management and strengthening internal reserves. Dividends are paid twice a year: an interim dividend (resolved by the Board of Directors) and a year-end dividend (resolved by the General Meeting of Shareholders). For FY2026 (ending March 2026), the annual dividend is ¥42 per share (¥19 interim plus ¥23 year-end), with a consolidated payout ratio of 31.8%. For FY2027 (ending March 2027), an annual dividend of ¥66 (¥33 interim plus ¥33 year-end) is forecast, with a payout ratio expected to be 40.5%.
ESG
The Company endorses the TCFD recommendations and has conducted scenario analysis for transition risk (cumulative credit-related costs of approximately ¥5.1 billion) and physical risk (up to approximately ¥2.2 billion). Regarding CO2 emissions, the Company targets a 50% reduction by FY2030 (ending March 2031) versus FY2013 levels and carbon neutrality by FY2050, with FY2025 results showing a 25.6% reduction versus FY2013. For ESG-related investment and loans, the Company targets a cumulative total of ¥1,400.0 billion from FY2021 to FY2030, with a cumulative total of ¥826.3 billion executed as of the end of FY2025. In terms of human capital, the Company has set targets of a 12% ratio of female managers (targeted for April 2027) and maintaining employee satisfaction of 80% or higher, and has been certified as an Excellent Health Management Corporation 2026 for five consecutive years.
Last updated: June 17, 2026