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Investor Presentaiton

Basic strategy 2: Strengthen systems -Promotion of structural reforms and reinforcement of management base for the future- 2-5 Capital Strategy and Shareholder Returns Policy TOCH GN TOCHIGI BANK We will allocate capital in a manner that balances “return to shareholders" and "investment for growth," while ensuring "financial soundness" necessary to continue to support our customers' financing needs even in a rapidly changing economic environment. 1. Financial Soundness Capital Adequacy Ratio (Consolidated) 11.85% 11% level 2. Shareholder Returns Policy We target a total return ratio of 30% to 35%. This ratio indicates total returns, consisting of dividends and purchase of treasury shares, as a percentage of profit attributable to owners of parent. Total Return Ratio 2023/3 2026/3 3. Capital Efficiency (ROE Improvement) ROE (Consolidated) Aim for 5% or higher in the long term 1.53% 3.0% or higher 2023/3 2026/3 34.1% 2023/3 Target of 30 to 35% 2026/3 4. Investment for Growth We will make new investments totaling 8.0 billion yen or more during the 11th Medium-term Management Plan, including investments in DX and systems, human resources, new businesses, branch office reorganization, as well as equity investments through subsidiaries. 32 32
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