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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
Address major shareholdersCurrentYearInstant_No5MajorShareholdersMember
Original text (Japanese)福岡県福岡市博多区博多駅東１丁目10番26号
Name major shareholdersCurrentYearInstant_No6MajorShareholdersMember
Original text (Japanese)株式会社みずほ銀行
Address major shareholdersCurrentYearInstant_No6MajorShareholdersMember
Original text (Japanese)東京都千代田区大手町１丁目５番５号
Name major shareholdersCurrentYearInstant_No7MajorShareholdersMember
Original text (Japanese)株式会社日本カストディ銀行(信託口)
Address major shareholdersCurrentYearInstant_No7MajorShareholdersMember
Original text (Japanese)東京都中央区晴海１丁目８番12号
Name major shareholdersCurrentYearInstant_No8MajorShareholdersMember
Original text (Japanese)株式会社福岡銀行
Address major shareholdersCurrentYearInstant_No8MajorShareholdersMember
Original text (Japanese)福岡県福岡市中央区天神２丁目13番１号
Name major shareholdersCurrentYearInstant_No9MajorShareholdersMember
Original text (Japanese)株式会社南日本銀行
Address major shareholdersCurrentYearInstant_No9MajorShareholdersMember
Original text (Japanese)鹿児島県鹿児島市山下町１番１号
Name major shareholdersCurrentYearInstant_No10MajorShareholdersMember
Original text (Japanese)株式会社宮崎太陽銀行
Address major shareholdersCurrentYearInstant_No10MajorShareholdersMember
Original text (Japanese)宮崎県宮崎市広島２丁目１番31号
Name major shareholders voting rightsCurrentYearInstant_No1MajorShareholdersVotingRightsMember
Original text (Japanese)豊和銀行従業員持株会
Address major shareholders voting rightsCurrentYearInstant_No1MajorShareholdersVotingRightsMember
Original text (Japanese)大分県大分市王子中町４番10号
Name major shareholders voting rightsCurrentYearInstant_No2MajorShareholdersVotingRightsMember
Original text (Japanese)株式会社日本カストディ銀行(信託口４)
Address major shareholders voting rightsCurrentYearInstant_No2MajorShareholdersVotingRightsMember
Original text (Japanese)東京都中央区晴海１丁目８番12号
Name major shareholders voting rightsCurrentYearInstant_No3MajorShareholdersVotingRightsMember
Original text (Japanese)九州総合信用株式会社
Address major shareholders voting rightsCurrentYearInstant_No3MajorShareholdersVotingRightsMember
Original text (Japanese)福岡県福岡市博多区博多駅東１丁目10番26号
Name major shareholders voting rightsCurrentYearInstant_No4MajorShareholdersVotingRightsMember
Original text (Japanese)株式会社みずほ銀行
Address major shareholders voting rightsCurrentYearInstant_No4MajorShareholdersVotingRightsMember
Original text (Japanese)東京都千代田区大手町１丁目５番５号
Name major shareholders voting rightsCurrentYearInstant_No5MajorShareholdersVotingRightsMember
Original text (Japanese)株式会社日本カストディ銀行(信託口)
Address major shareholders voting rightsCurrentYearInstant_No5MajorShareholdersVotingRightsMember
Original text (Japanese)東京都中央区晴海１丁目８番12号
Name major shareholders voting rightsCurrentYearInstant_No6MajorShareholdersVotingRightsMember
Original text (Japanese)株式会社福岡銀行
Address major shareholders voting rightsCurrentYearInstant_No6MajorShareholdersVotingRightsMember
Original text (Japanese)福岡県福岡市中央区天神２丁目13番１号
Name major shareholders voting rightsCurrentYearInstant_No7MajorShareholdersVotingRightsMember
Original text (Japanese)株式会社西日本シティ銀行
Address major shareholders voting rightsCurrentYearInstant_No7MajorShareholdersVotingRightsMember
Original text (Japanese)福岡県福岡市博多区博多駅前３丁目１番１号
Name major shareholders voting rightsCurrentYearInstant_No8MajorShareholdersVotingRightsMember
Original text (Japanese)株式会社福岡中央銀行
Address major shareholders voting rightsCurrentYearInstant_No8MajorShareholdersVotingRightsMember
Original text (Japanese)福岡県福岡市中央区大名２丁目12番１号
Name major shareholders voting rightsCurrentYearInstant_No9MajorShareholdersVotingRightsMember
Original text (Japanese)株式会社南日本銀行
Address major shareholders voting rightsCurrentYearInstant_No9MajorShareholdersVotingRightsMember
Original text (Japanese)鹿児島県鹿児島市山下町１番１号
Name major shareholders voting rightsCurrentYearInstant_No10MajorShareholdersVotingRightsMember
Original text (Japanese)株式会社宮崎太陽銀行
Address major shareholders voting rightsCurrentYearInstant_No10MajorShareholdersVotingRightsMember
Original text (Japanese)宮崎県宮崎市広島２丁目１番31号
Issued shares voting rights (text)FilingDateInstantText · Plus
Description issued shares voting rightsCurrentYearInstant_jpcrp030000-asr_E03673-000ClassBPreferredSharesSharesWithNoVotingRightsMember
Original text (Japanese)「１(1)②　発行済株式」の「内容」の記載を参照
Description issued shares voting rightsCurrentYearInstant_jpcrp030000-asr_E03673-000ClassDPreferredSharesSharesWithNoVotingRightsMember
Original text (Japanese)同上
Description issued shares voting rightsCurrentYearInstant_jpcrp030000-asr_E03673-000ClassFPreferredSharesSharesWithNoVotingRightsMember
Original text (Japanese)同上
Description issued shares voting rightsCurrentYearInstant_SharesWithRestrictedVotingRightsTreasurySharesEtcMember－
Description issued shares voting rightsCurrentYearInstant_SharesWithRestrictedVotingRightsOtherMember－
Description issued shares voting rightsCurrentYearInstant_OrdinarySharesTreasurySharesSharesWithFullVotingRightsTreasurySharesEtcMember
Original text (Japanese)権利内容に何ら限定のない当行における標準となる株式
Description issued shares voting rightsCurrentYearInstant_OrdinarySharesSharesWithFullVotingRightsOtherMember
Original text (Japanese)同上
Description issued shares voting rightsCurrentYearInstant_OrdinarySharesSharesLessThanOneUnitMember
Original text (Japanese)同上
Treasury shares etc (text)FilingDateInstantText · Plus
Name of shareholder treasury shares etcCurrentYearInstant_Row1Member
Original text (Japanese)株式会社豊和銀行
Address of shareholder treasury shares etcCurrentYearInstant_Row1Member
Original text (Japanese)大分市王子中町４番10号
Classes of shares etc (text)FilingDateInstantText · Plus
Acquisitions by resolution of shareholders meeting (text)FilingDateInstantText · Plus
Acquisitions by resolution of board of directors meeting (text)FilingDateInstantText · Plus
Acquisitions not based on resolution of shareholders meeting or board of directors meeting (text)FilingDateInstantText · Plus
Disposals or holding of acquired treasury shares (text)FilingDateInstantText · Plus
Dividend policy (text)FilingDateInstantText · Plus
Date of resolution dividends of surplusFilingDateInstant_Row1Member2025-06-27

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