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.
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