unbanked inc.
8746・Standard Market・Securities & Commodity Futures
Governance
Company with an Audit and Supervisory Committee (transitioned June 2023). The board consists of 9 directors, 6 of whom are outside directors (including all 4 Audit and Supervisory Committee members, all of whom are outside directors), and a Compliance Committee chaired by an outside attorney has been established. Following its designation as a Securities on Alert in May 2026, the company has positioned the fundamental strengthening of its governance and internal control systems as its top priority.
Risk Management
The Company periodically evaluates risks across each department based on its Risk Management Manual, and has established a framework whereby important matters are deliberated by the Risk Management Committee, chaired by the President and Representative Director, with reports made to the Board of Directors. The Compliance Committee, composed of outside attorneys and certified public accountants, periodically monitors compliance risk. Following the occurrence in December 2025 of an issue involving ¥1.34 billion in uncollected trade receivables related to Gold Bullion transactions, improving the effectiveness of internal controls has become an urgent priority.
Shareholder Returns
The company's basic policy is to continue stable dividends, but it remains dividend-less in FY2026 (ending March 2026) as well. Treasury stock acquisition is minimal (¥-0 million), representing effectively no shareholder returns. The company has stated a policy of aiming for an early resumption of dividend payments.
Dividend Policy
The basic policy is to continue implementing stable dividends; however, in FY2026 (ending March 2026), the company recorded a net loss attributable to owners of the parent of ¥-3,808 million, and dividends remain suspended. The company has stated a policy of aiming for an early resumption of dividend payments.
ESG
The Company promotes sustainability initiatives centered on human capital investment and improving employee engagement. It has conducted compliance training multiple times, targeting 100% participation of all officers and employees (FY2025 actual: 93-100%), and is also working to promote diversity through the appointment of female and foreign-national officers. With only 31 group employees (as of end-March 2026), the Company states that it is currently difficult to set numerical targets for diversity indicators given its small scale.
Last updated: June 30, 2026