THE TOCHIGI BANK, LTD.
8550・Prime Market・Banks
Governance
Company with a Board of Corporate Auditors (10 directors, 5 of whom are outside directors). Planned transition to a company with an Audit and Supervisory Committee, subject to approval at the shareholders' meeting in June 2026. A Governance Meeting (composed solely of outside officers) has been established to ensure transparency in nominations and compensation, and it met 9 times during the fiscal year under review.
Risk Management
Adopts an integrated risk management framework that manages credit, market, liquidity, and operational risks by category and compares them against capital. The ALM Committee and Market Investment Committee meet once a month, and the status of integrated risk management is reported to the Board of Directors semi-annually. Climate change risks (transition and physical) are also incorporated into this framework.
Shareholder Returns
Annual dividend for FY2026 (ending March 2026) is ¥26.00 per share (interim ¥12.00 + year-end ¥14.00), with a payout ratio of 33.0%. For the following fiscal year, FY2027 (ending March 2027), an annual dividend of ¥30.00 (interim and year-end ¥15.00 each) is planned. The policy has been revised to target a payout ratio of approximately 40% during the 12th Medium-Term Management Plan period (April 2026 to March 2030). Share buybacks will be conducted flexibly in light of capital levels, market conditions, and other factors.
Dividend Policy
The basic policy is to continue stable dividends while pursuing sound management and enhancing internal reserves. During the 12th Medium-Term Management Plan period (April 2026 to March 2030), the company aims for a payout ratio of approximately 40% against profit attributable to owners of the parent. In addition, share buybacks will be conducted flexibly in light of capital levels, market conditions, and other factors.
ESG
In December 2021, the company expressed support for the TCFD recommendations and formulated its Sustainability Policy, Environmental Policy, Human Rights Policy, and Investment and Loan Policy. Scope 1 and 2 CO2 emissions were reduced by 68.3% versus the FY2013 base (FY2025 actual), with targets of a 70% reduction by FY2030 and carbon neutrality by 2050. On the human capital front, the company was certified as a 2026 Certified Health and Productivity Management Outstanding Organization, recording a ratio of female managers (deputy general manager level and above) of 5.2% and a work engagement score of 3.46, with numerical targets set for FY2030. Cumulative sustainable finance execution for FY2022–FY2025 totaled ¥55.2 billion.
Last updated: June 19, 2026