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Investor Presentaiton

Shareholder Returns Policy TOCH GN TOCHIGI BANK Shareholder Returns Policy (formulated in May 2022) The Bank's basic policy is to continue to pay shareholders consistent dividends while working to maintain sound management and enhance internal reserves to earn the trust of our customers and everyone in the local community, based on the Bank's public nature. We have explicitly stated our view on shareholder returns while maintaining this basic 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. Dividend Per Share and Total Consolidated Return Ratio (Yen) 15.0 Dividend per share Total consolidated return ratio (%) 40.0 34.1 12.5 28.6 Target of 30 to 35% 25.1 10.0 7.5 15.8 30.0 20.0 We have decided to pay a year-end dividend of 3.00 yen per share for the fiscal year ended March 31, 2023, in line with the dividend forecast announced last May (this will be proposed at the annual general shareholders' meeting in June 2023). Combined with the interim dividend of 3.00 yen per share, this brings the annual dividend to 6.00 yen per share. For the fiscal year ended March 31, 2023, we repurchased 1,069,400 treasury shares (at an acquisition cost of 274 million yen) to enhance the return to shareholders through the improvement of capital efficiency. The total return ratio was 34.1%, which was within the target range of 30% to 35% set in our shareholder returns policy. We plan to pay an annual dividend of 6.00 yen per share for the fiscal year ending March 31, 2024. 5.0 6.0 6.0 5.5 5.0 5.0 2.5 10.0 0.0 00 0.0 2020/3 2021/3 2022/3 2023/3 2024/3 (Plan) 12
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