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Management planning8388The Awa Bank,Ltd.Banks

Revision of Management Targets under the Management Plan "Growing beyond 130th"

For FY2027 management targets, the adjusted OHR was raised from less than 57% to less than 55%, core net business profit ROA from at least 0.55% to at least 0.60%, and net income from at least ¥18 billion to at least ¥20 billion. The ROE, ESG investment and financing balance, and percentage of women in managerial positions remain unchanged, while the shareholder return ratio of at least 40% was changed to a consolidated dividend payout ratio of at least 40%.

Worth reading
47Recurring
0–100. This measures how worthwhile something is to read, not how good or bad the company is.
Direction
Improvement
Direction inferred from the company’s description.
Scale
20
¥100 million (increase in the net income target)
Wording
Conditional
How definitive the wording is.

Items stated in the management plan

Partially revised
Growing beyond 130thPlan period FY2023–FY2027
Publication date 15 May 2026
Net income for the current fiscal year+11.1%
基準 18Target20100 million
ROE0.0pt
基準 5Target5％

Each line is the climb from the baseline the document states to the target it sets. The slope is scaled against the largest climb in this document. For metrics expressed as percentages, differences are shown in percentage points (pt).The increase shown by the dotted line is calculated from the two reported figures because the company did not provide the amount of growth.

What happened to the previous planAdjusted OHR of less than 57%, core net business profit ROA of at least 0.55%, and net income of at least ¥18 billion → The 2025 adjusted OHR was 56.11% and core net business profit ROA was 0.57%; net income is expected to exceed the management target+3,452.6%Calculated from the two disclosed figures
Statements about the use of capital
Payout ratio / DOE policyFY2027: consolidated dividend payout ratio of at least 40%. Changed from the previous consolidated shareholder return ratio of at least 40%.The payout ratio is the proportion of profit paid out as dividends, while DOE is the ratio of dividends to net assets.
Key initiatives
01Further expansion of earnings
Non-financial targetsIndicator ESG investment and financing balance / Target value At least ¥300 billion / Timing FY2027, Indicator Percentage of women in managerial positions / Target value 30% or more / Timing FY2027
Reason for revision or withdrawal

The 2025 adjusted OHR was 56.11% and core net business profit ROA was 0.57%, both exceeding the management targets for the final year of the plan. Net income is also expected to exceed the management target. In light of these circumstances, we have decided to revise the management targets for the final year of the plan.

Items stated in the management plan
ItemDetails
Plan nameGrowing beyond 130th
Plan periodFY2023–FY2027
Progress against the planPartially revised
Net income target¥18 billion or more → At least ¥20 billion（Approximately 11.1%）
ROE targetAt least 5.00% → At least 5.00%（0％）
Payout ratio / DOE policyFY2027: consolidated dividend payout ratio of at least 40%. Changed from the previous consolidated shareholder return ratio of at least 40%.
Non-financial targetsIndicator ESG investment and financing balance / Target value At least ¥300 billion / Timing FY2027, Indicator Percentage of women in managerial positions / Target value 30% or more / Timing FY2027
Key initiativesFurther expansion of earnings
Results under the previous planAdjusted OHR of less than 57%, core net business profit ROA of at least 0.55%, and net income of at least ¥18 billion → The 2025 adjusted OHR was 56.11% and core net business profit ROA was 0.57%; net income is expected to exceed the management target
Reason for revision or withdrawalThe 2025 adjusted OHR was 56.11% and core net business profit ROA was 0.57%, both exceeding the management targets for the final year of the plan. Net income is also expected to exceed the management target. In light of these circumstances, we have decided to revise the management targets for the final year of the plan.
Publication date15 May 2026
Items this document does not state (14)
Sales TargetOperating profit targetOperating profit margin targetROIC targetTreasury share acquisition policyCost of capitalSelf-assessment of PBR and share priceTotal investment planInvestment amount by sectorSegment targetPlan assumptionsSize of the Target MarketRisks identifiedDate of board resolution

These are items the company does not state in this document. We do not leave them blank, nor fill them in from other sources or by inference.

The reasons the company gives

The company's own explanation, not something inferred from the numbers.

The 2025 adjusted OHR was 56.11% and core net business profit ROA was 0.57%, both exceeding the management targets for the final year of the plan. In addition, net income is expected to exceed the management target.

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Corrections happenIf the company reissues this disclosure, the page is rebuilt from the corrected version and the revision number moves up.
Revision of Management Targets under the Management Plan "Growing beyond 130th" | The Awa Bank,Ltd. (8388) timely disclosure | Komori