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← The Howa Bank

Annual report

8559.TEDINET S100W0EY
Period2024-04-01 → 2025-03-31
Filed2025-06-20
StandardJapan GAAP
ConsolidatedNo
Data checks11 of 11 passed
Key figures · 84
MetricValuePeriodScopeSource row
Ordinary income¥1.3bn2024-04-01 → 2025-03-31StandaloneOrdinary income
Ordinary income¥682m2023-04-01 → 2024-03-31StandaloneOrdinary income
Ordinary income¥1.5bn2022-04-01 → 2023-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥959m2021-04-01 → 2022-03-31dStandaloneOrdinary income loss (5-year summary)
Ordinary income¥803m2020-04-01 → 2021-03-31dStandaloneOrdinary income loss (5-year summary)
Profit before tax¥1.1bn2024-04-01 → 2025-03-31StandaloneIncome before income taxes
Profit before tax¥651m2023-04-01 → 2024-03-31StandaloneIncome before income taxes
Net income¥1.0bn2024-04-01 → 2025-03-31StandaloneProfit loss
Net income¥877m2023-04-01 → 2024-03-31StandaloneProfit loss
Net income¥1.3bn2022-04-01 → 2023-03-31dStandaloneNet income loss (5-year summary)
Net income¥848m2021-04-01 → 2022-03-31dStandaloneNet income loss (5-year summary)
Net income¥995m2020-04-01 → 2021-03-31dStandaloneNet income loss (5-year summary)
Total assets¥599.5bnat 2025-03-31StandaloneAssets
Total assets¥620.8bnat 2024-03-31StandaloneAssets
Total assets¥619.7bnat 2023-03-31dStandaloneTotal assets (5-year summary)
Total assets¥642.9bnat 2022-03-31dStandaloneTotal assets (5-year summary)
Total assets¥633.6bnat 2021-03-31dStandaloneTotal assets (5-year summary)
Total liabilities¥565.4bnat 2025-03-31StandaloneLiabilities
Total liabilities¥583.6bnat 2024-03-31StandaloneLiabilities
Net assets / equity¥34.1bnat 2025-03-31StandaloneNet assets
Net assets / equity¥37.2bnat 2024-03-31StandaloneNet assets
Net assets / equity¥32.2bnat 2023-03-31dStandaloneNet assets
Net assets / equity¥32.0bnat 2022-03-31dStandaloneNet assets (5-year summary)
Net assets / equity¥31.9bnat 2021-03-31dStandaloneNet assets (5-year summary)
Cash & equivalents¥50.4bnat 2025-03-31StandaloneCash and cash equivalents
Cash & equivalents¥77.6bnat 2024-03-31StandaloneCash and cash equivalents
Cash & equivalents¥78.9bnat 2023-03-31dStandaloneCash and cash equivalents
Cash & equivalents¥103.7bnat 2022-03-31dStandaloneCash and cash equivalents (5-year summary)
Cash & equivalents¥97.6bnat 2021-03-31dStandaloneCash and cash equivalents (5-year summary)
Operating cash flow−¥19.8bn2024-04-01 → 2025-03-31StandaloneNet cash provided by used in operating activities
Operating cash flow−¥5.7bn2023-04-01 → 2024-03-31StandaloneNet cash provided by used in operating activities
Operating cash flow−¥24.8bn2022-04-01 → 2023-03-31dStandaloneNet cash provided by used in operating activities (5-year summary)
Operating cash flow¥13.2bn2021-04-01 → 2022-03-31dStandaloneNet cash provided by used in operating activities (5-year summary)
Operating cash flow¥38.4bn2020-04-01 → 2021-03-31dStandaloneNet cash provided by used in operating activities (5-year summary)
Investing cash flow−¥5.3bn2024-04-01 → 2025-03-31StandaloneNet cash provided by used in investment activities
Investing cash flow¥1.3bn2023-04-01 → 2024-03-31StandaloneNet cash provided by used in investment activities
Investing cash flow¥433m2022-04-01 → 2023-03-31dStandaloneNet cash provided by used in investing activities (5-year summary)
Investing cash flow−¥6.7bn2021-04-01 → 2022-03-31dStandaloneNet cash provided by used in investing activities (5-year summary)
Investing cash flow−¥3.4bn2020-04-01 → 2021-03-31dStandaloneNet cash provided by used in investing activities (5-year summary)
Financing cash flow−¥2.1bn2024-04-01 → 2025-03-31StandaloneNet cash provided by used in financing activities
Financing cash flow¥3.1bn2023-04-01 → 2024-03-31StandaloneNet cash provided by used in financing activities
Financing cash flow−¥451m2022-04-01 → 2023-03-31dStandaloneNet cash provided by used in financing activities (5-year summary)
Financing cash flow−¥464m2021-04-01 → 2022-03-31dStandaloneNet cash provided by used in financing activities (5-year summary)
Financing cash flow−¥472m2020-04-01 → 2021-03-31dStandaloneNet cash provided by used in financing activities (5-year summary)
EPS (basic)¥106.742024-04-01 → 2025-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥83.882023-04-01 → 2024-03-31StandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥159.622022-04-01 → 2023-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥82.732021-04-01 → 2022-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥107.942020-04-01 → 2021-03-31dStandaloneBasic earnings loss per share (5-year summary)
EPS (diluted)¥19.542024-04-01 → 2025-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥18.32023-04-01 → 2024-03-31StandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥28.172022-04-01 → 2023-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥18.892021-04-01 → 2022-03-31dStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥21.372020-04-01 → 2021-03-31dStandaloneDiluted earnings per share (5-year summary)
Dividend per share¥102024-04-01 → 2025-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥102023-04-01 → 2024-03-31StandaloneDividend paid per share (5-year summary)
Dividend per share¥102022-04-01 → 2023-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥102021-04-01 → 2022-03-31dStandaloneDividend paid per share (5-year summary)
Dividend per share¥102020-04-01 → 2021-03-31dStandaloneDividend paid per share (5-year summary)
Net assets per share¥788.57at 2025-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥1,051.52at 2024-03-31StandaloneNet assets per share (5-year summary)
Net assets per share¥814.03at 2023-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥789.13at 2022-03-31dStandaloneNet assets per share (5-year summary)
Net assets per share¥770.17at 2021-03-31dStandaloneNet assets per share (5-year summary)
Equity ratio5.7%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio6.0%at 2024-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio5.2%at 2023-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio5.0%at 2022-03-31dStandaloneEquity to asset ratio (5-year summary)
Equity ratio5.0%at 2021-03-31dStandaloneEquity to asset ratio (5-year summary)
ROE2.9%2024-04-01 → 2025-03-31StandaloneRate of return on equity (5-year summary)
ROE2.5%2023-04-01 → 2024-03-31StandaloneRate of return on equity (5-year summary)
ROE4.1%2022-04-01 → 2023-03-31dStandaloneRate of return on equity (5-year summary)
ROE2.6%2021-04-01 → 2022-03-31dStandaloneRate of return on equity (5-year summary)
ROE3.2%2020-04-01 → 2021-03-31dStandaloneRate of return on equity (5-year summary)
Shares issued5,944,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued5,944,000at 2024-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued5,944,000at 2023-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued5,944,000at 2022-03-31dStandaloneTotal number of issued shares (5-year summary)
Shares issued5,944,000at 2021-03-31dStandaloneTotal number of issued shares (5-year summary)
Employees503at 2025-03-31StandaloneNumber of employees
Employees511at 2024-03-31StandaloneNumber of employees
Employees508at 2023-03-31dStandaloneNumber of employees
Employees520at 2022-03-31dStandaloneNumber of employees
Employees512at 2021-03-31dStandaloneNumber of employees

Periods use the dates stated in the filing. d = earlier-year period dated by calendar; v = that date confirmed by the company's own earlier filing.

All source rows · 1,391
ItemContextValueUnit
Bills discounted loans and bills discounted assets bnkCurrentYearInstant_NonConsolidatedMember960000000JPY
Loans on bills loans and bills discounted assets bnkPrior1YearInstant_NonConsolidatedMember25990000000JPY
Loans on bills loans and bills discounted assets bnkCurrentYearInstant_NonConsolidatedMember27618000000JPY
Loans on deeds loans and bills discounted assets bnkPrior1YearInstant_NonConsolidatedMember369119000000JPY
Loans on deeds loans and bills discounted assets bnkCurrentYearInstant_NonConsolidatedMember372997000000JPY
Overdrafts loans and bills discounted assets bnkPrior1YearInstant_NonConsolidatedMember25413000000JPY
Overdrafts loans and bills discounted assets bnkCurrentYearInstant_NonConsolidatedMember27726000000JPY
Other assets assets bnkPrior1YearInstant_NonConsolidatedMember5895000000JPY
Other assets assets bnkCurrentYearInstant_NonConsolidatedMember844000000JPY
Domestic exchange settlement account debit other assets assets bnkPrior1YearInstant_NonConsolidatedMember160000000JPY
Domestic exchange settlement account debit other assets assets bnkCurrentYearInstant_NonConsolidatedMember156000000JPY
Prepaid expensesPrior1YearInstant_NonConsolidatedMember21000000JPY
Prepaid expensesCurrentYearInstant_NonConsolidatedMember57000000JPY
Accrued incomePrior1YearInstant_NonConsolidatedMember348000000JPY
Accrued incomeCurrentYearInstant_NonConsolidatedMember368000000JPY
Stock issuance cost daPrior1YearInstant_NonConsolidatedMember54000000JPY
Stock issuance cost daCurrentYearInstant_NonConsolidatedMember34000000JPY
Margin for central counterparty assetsPrior1YearInstant_NonConsolidatedMember5000000000JPY
Margin for central counterparty assetsCurrentYearInstant_NonConsolidatedMember－JPY
Other other assets assets bnkPrior1YearInstant_NonConsolidatedMember310000000JPY
Other other assets assets bnkCurrentYearInstant_NonConsolidatedMember227000000JPY
Property plant and equipmentPrior1YearInstant_NonConsolidatedMember6416000000JPY
Property plant and equipmentCurrentYearInstant_NonConsolidatedMember6053000000JPY
Buildings netPrior1YearInstant_NonConsolidatedMember1205000000JPY
Buildings netCurrentYearInstant_NonConsolidatedMember1124000000JPY
LandPrior1YearInstant_NonConsolidatedMember4586000000JPY
LandCurrentYearInstant_NonConsolidatedMember4419000000JPY
Lease assets net ppePrior1YearInstant_NonConsolidatedMember157000000JPY
Lease assets net ppeCurrentYearInstant_NonConsolidatedMember130000000JPY
Construction in progressPrior1YearInstant_NonConsolidatedMember5000000JPY
Construction in progressCurrentYearInstant_NonConsolidatedMember16000000JPY
Other net ppePrior1YearInstant_NonConsolidatedMember459000000JPY
Other net ppeCurrentYearInstant_NonConsolidatedMember362000000JPY
Intangible assetsPrior1YearInstant_NonConsolidatedMember184000000JPY
Intangible assetsCurrentYearInstant_NonConsolidatedMember285000000JPY
SoftwarePrior1YearInstant_NonConsolidatedMember183000000JPY
SoftwareCurrentYearInstant_NonConsolidatedMember279000000JPY
Software in progressPrior1YearInstant_NonConsolidatedMember0JPY
Software in progressCurrentYearInstant_NonConsolidatedMember6000000JPY
Other iaPrior1YearInstant_NonConsolidatedMember0JPY
Other iaCurrentYearInstant_NonConsolidatedMember0JPY
Prepaid pension cost assetsPrior1YearInstant_NonConsolidatedMember624000000JPY
Prepaid pension cost assetsCurrentYearInstant_NonConsolidatedMember595000000JPY
Deferred tax assetsPrior1YearInstant_NonConsolidatedMember930000000JPY
Deferred tax assetsCurrentYearInstant_NonConsolidatedMember946000000JPY
Customers liabilities for acceptances and guarantees assets bnkPrior1YearInstant_NonConsolidatedMember296000000JPY
Customers liabilities for acceptances and guarantees assets bnkCurrentYearInstant_NonConsolidatedMember332000000JPY
Allowance for loan losses assets bnkPrior1YearInstant_NonConsolidatedMember-4440000000JPY
Allowance for loan losses assets bnkCurrentYearInstant_NonConsolidatedMember-4429000000JPY
AssetsPrior1YearInstant_NonConsolidatedMember620810000000JPY

Every row of the EDINET CSV. Item names are the XBRL element names; filed text is kept in its original Japanese. Filed text is available on Plus and Pro.

Data checks · 11 of 11 passed
balance sheet identitynon_consolidated 2024-03-31pass rounding
balance sheet identitynon_consolidated 2025-03-31pass
dei present pass
period resolution pass
statement vs summary · net assetsnon_consolidated 2023-03-31pass
statement vs summary · net assetsnon_consolidated 2024-03-31pass
statement vs summary · net assetsnon_consolidated 2025-03-31pass
statement vs summary · operating cash flownon_consolidated 2023-04-01/2024-03-31pass
statement vs summary · operating cash flownon_consolidated 2024-04-01/2025-03-31pass
statement vs summary · total assetsnon_consolidated 2024-03-31pass
statement vs summary · total assetsnon_consolidated 2025-03-31pass