AEON Financial Service Co.,Ltd.
8570・Prime Market・Other Financing Business
Governance
A company with a Board of Corporate Auditors. In addition to the Board of Directors, the company has established a Nomination and Compensation Advisory Committee in which independent outside directors constitute a majority, a Transaction Review Committee composed solely of independent outside directors, an Internal Control Promotion Committee, and a Sustainability Committee, thereby establishing a multi-layered governance structure. As of the filing date of the Annual Securities Report, there are 4 outside directors (Yoshimi Nakashima, Kotaro Yamazawa, Tatsuya Sakuma, Takashi Nagasaka) and 3 outside corporate auditors (of which 2 are independent officers).
Risk Management
Risks are classified into "Credit Risk," "Market Risk," "Liquidity Risk," and "Operational Risk," overseen by the Internal Control Promotion Committee and the Risk Management Department. In addition to conducting scenario analysis using the "1.5°C scenario" and "4°C scenario" in line with TCFD, AEON Bank received a business improvement order from the Financial Services Agency in December 2024 regarding its anti-money laundering management framework; the company has established an Improvement Committee and is working to strengthen its management framework. A dedicated organization has been established to address credit card fraud, and efforts are also underway to enhance the anomaly detection monitoring system.
Shareholder Returns
The basic policy is to pay dividends twice a year (interim and year-end). The annual dividend forecast for FY2027 (ending February 2027) is ¥53 per share (¥25 interim, ¥28 year-end), unchanged from the previous fiscal year. In May 2026, a year-end dividend of ¥6,044 million (¥28 per share) was paid. No disclosure of share buybacks.
Dividend Policy
The basic policy is to pay dividends twice a year, comprising an interim dividend and a year-end dividend. The annual dividend forecast for FY2027 (ending February 2027) is ¥53 per share (¥25 interim, ¥28 year-end), unchanged from the previous fiscal year's actual results. During the first quarter under review, the year-end dividend for FY2026 (ended February 2026) of ¥28 per share (total dividend amount of ¥6,044 million) was paid on May 7, 2026. The full-year earnings forecast is operating revenue of ¥600,000 million and profit attributable to owners of parent of ¥15,000 million (down 28.9% year-on-year), and it is disclosed that there is no change to the dividend forecast.
ESG
Under the "AFS Sustainability Basic Policy" formulated in 2021, the company has identified four materialities: "Pursuit of Happiness through Innovative Financial Services," "Realizing Human Resource Diversity and Potential," "Establishing a Resilient Management Foundation," and "Addressing Climate Change, etc." On climate change, the company endorsed TCFD (November 2021) and has conducted multiple scenario analyses; Scope 1+2 GHG emissions were 12,059 tons in FY2023 (a 26% reduction versus FY2021). Regarding human capital, the company targets a 40% ratio of female managers across the domestic and overseas group by FY2030, and the domestic male childcare leave utilization rate was 96% in FY2024 (with a 100% target for FY2025). The company and 7 domestic group companies have been certified as "Excellent Health Management Corporations 2025" (Kenko Keiei Yuryo Hojin 2025).
Last updated: May 19, 2026