THE TOWA BANK, LTD.
8558・Prime Market・Banks
Governance
A company with a Board of Corporate Auditors (also employing an executive officer system). As of the filing date, the Board of Directors consists of 6 members (2 of whom are outside directors), and the Board of Corporate Auditors consists of 4 members (2 of whom are outside auditors). Following approval at the Annual General Meeting of Shareholders scheduled to be held on June 25, 2026, the company plans to have 3 outside directors. A "Nomination and Compensation Committee" has been established as an advisory committee to the Board of Directors to ensure fairness and transparency in nomination and compensation procedures.
Risk Management
The General Planning Department is designated as the department responsible for overall risk management, with the Integrated Risk Management Division centrally managing credit risk, market-related risk, and other risks. Climate change risk is recognized as a material risk, and a management framework has been established based on the "Basic Policy on Risk Management" and the "Basic Policy on Sustainability-Conscious Investment and Lending."
Shareholder Returns
For FY2026 (ending March 2026), the annual dividend will be ¥35 per share (paid entirely at year-end). The dividend is planned to be raised to ¥50 for FY2027 (ending March 2027). The company maintains a shareholder return policy targeting a total return ratio of 30% or more. Share buybacks were also conducted (¥1,001 million acquired during the fiscal year).
Dividend Policy
The policy is to pay dividends only at fiscal year-end, with no interim dividend. The actual dividend for FY2026 (ending March 2026) was ¥35 per share (total dividends of ¥1,240 million). For FY2027 (ending March 2027), the dividend is planned to be increased to ¥50 per share (forecast payout ratio of 32.2%). The company's shareholder return policy targets a total return ratio, including share buybacks, of 30% or more.
ESG
In October 2021, the company expressed support for the TCFD recommendations and conducted climate change scenario analysis (RCP2.6 and RCP8.5). CO₂ emissions have been reduced by 44.73% compared to FY2013 levels (actual results as of the end of March 2025), with a target of net zero by the end of March 2031. In terms of human capital, the company achieved a female manager ratio of 22.7% and a male childcare leave take-up rate of 120.0%, while the cumulative amount of sustainability-related investments and loans executed reached ¥145.6 billion (against a target of ¥300.0 billion by the end of March 2031).
Last updated: June 18, 2026