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Investor Presentaiton

Shareholder Returns Policy TOCH GIN 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) 12.5 Dividend per share 51.2 10.0 28.6 7.5 25.1 7.0 5.0 2.5 Total consolidated return ratio (%) 50.0 Target of 30 to 35% 40.0 7 30.0 6.0 5.5 20.0 5.0 5.0 15.8 10.0 0.0 0.0 2019/3 2020/3 2021/3 2022/3 2023/3 (Plan) In light of the strong performance in the fiscal year ended March 31, 2022, we have decided to increase the Bank's year- end dividend by 0.5 yen, compared to the previous forecast, to 3 yen per share (this will be proposed at the annual general shareholders' meeting in June 2022). Combined with the interim dividend of 2.5 yen per share, this brings the annual dividend to 5.5 yen per share. In the fiscal year ending March 31, 2023, we are planning to increase the interim dividend from the previous fiscal year by 0.5 yen to 3 yen per share and declare a year-end dividend of 3 yen per share, for an annual dividend of 6 yen per share. We have purchased a total of 275 million yen in treasury shares since May 2022. As stated in our shareholder returns policy, we are targeting a total return ratio of 30% to 35% in the fiscal year ending March 31, 2023. 12
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