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← The Howa Bank

Annual report

8559.TEDINET S100YF85
Period2025-04-01 → 2026-03-31
Filed2026-06-19
StandardJapan GAAP
ConsolidatedNo
Data checks11 of 11 passed
Key figures · 84
MetricValuePeriodScopeSource row
Ordinary income¥1.2bn2025-04-01 → 2026-03-31StandaloneOrdinary income
Ordinary income¥1.3bn2024-04-01 → 2025-03-31StandaloneOrdinary income
Ordinary income¥682m2023-04-01 → 2024-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥1.5bn2022-04-01 → 2023-03-31vStandaloneOrdinary income loss (5-year summary)
Ordinary income¥959m2021-04-01 → 2022-03-31vStandaloneOrdinary income loss (5-year summary)
Profit before tax¥1.2bn2025-04-01 → 2026-03-31StandaloneIncome before income taxes
Profit before tax¥1.1bn2024-04-01 → 2025-03-31StandaloneIncome before income taxes
Net income¥819m2025-04-01 → 2026-03-31StandaloneProfit loss
Net income¥1.0bn2024-04-01 → 2025-03-31StandaloneProfit loss
Net income¥877m2023-04-01 → 2024-03-31vStandaloneNet income loss (5-year summary)
Net income¥1.3bn2022-04-01 → 2023-03-31vStandaloneNet income loss (5-year summary)
Net income¥848m2021-04-01 → 2022-03-31vStandaloneNet income loss (5-year summary)
Total assets¥596.1bnat 2026-03-31StandaloneAssets
Total assets¥599.5bnat 2025-03-31StandaloneAssets
Total assets¥620.8bnat 2024-03-31vStandaloneTotal assets (5-year summary)
Total assets¥619.7bnat 2023-03-31vStandaloneTotal assets (5-year summary)
Total assets¥642.9bnat 2022-03-31vStandaloneTotal assets (5-year summary)
Total liabilities¥568.3bnat 2026-03-31StandaloneLiabilities
Total liabilities¥565.4bnat 2025-03-31StandaloneLiabilities
Net assets / equity¥27.8bnat 2026-03-31StandaloneNet assets
Net assets / equity¥34.1bnat 2025-03-31StandaloneNet assets
Net assets / equity¥37.2bnat 2024-03-31vStandaloneNet assets
Net assets / equity¥32.2bnat 2023-03-31vStandaloneNet assets (5-year summary)
Net assets / equity¥32.0bnat 2022-03-31vStandaloneNet assets (5-year summary)
Cash & equivalents¥35.7bnat 2026-03-31StandaloneCash and cash equivalents
Cash & equivalents¥50.4bnat 2025-03-31StandaloneCash and cash equivalents
Cash & equivalents¥77.6bnat 2024-03-31vStandaloneCash and cash equivalents
Cash & equivalents¥78.9bnat 2023-03-31vStandaloneCash and cash equivalents (5-year summary)
Cash & equivalents¥103.7bnat 2022-03-31vStandaloneCash and cash equivalents (5-year summary)
Operating cash flow−¥5.8bn2025-04-01 → 2026-03-31StandaloneNet cash provided by used in operating activities
Operating cash flow−¥19.8bn2024-04-01 → 2025-03-31StandaloneNet cash provided by used in operating activities
Operating cash flow−¥5.7bn2023-04-01 → 2024-03-31vStandaloneNet cash provided by used in operating activities (5-year summary)
Operating cash flow−¥24.8bn2022-04-01 → 2023-03-31vStandaloneNet cash provided by used in operating activities (5-year summary)
Operating cash flow¥13.2bn2021-04-01 → 2022-03-31vStandaloneNet cash provided by used in operating activities (5-year summary)
Investing cash flow−¥1.3bn2025-04-01 → 2026-03-31StandaloneNet cash provided by used in investment activities
Investing cash flow−¥5.3bn2024-04-01 → 2025-03-31StandaloneNet cash provided by used in investment activities
Investing cash flow¥1.3bn2023-04-01 → 2024-03-31vStandaloneNet cash provided by used in investing activities (5-year summary)
Investing cash flow¥433m2022-04-01 → 2023-03-31vStandaloneNet cash provided by used in investing activities (5-year summary)
Investing cash flow−¥6.7bn2021-04-01 → 2022-03-31vStandaloneNet cash provided by used in investing activities (5-year summary)
Financing cash flow−¥7.5bn2025-04-01 → 2026-03-31StandaloneNet cash provided by used in financing activities
Financing cash flow−¥2.1bn2024-04-01 → 2025-03-31StandaloneNet cash provided by used in financing activities
Financing cash flow¥3.1bn2023-04-01 → 2024-03-31vStandaloneNet cash provided by used in financing activities (5-year summary)
Financing cash flow−¥451m2022-04-01 → 2023-03-31vStandaloneNet cash provided by used in financing activities (5-year summary)
Financing cash flow−¥464m2021-04-01 → 2022-03-31vStandaloneNet cash provided by used in financing activities (5-year summary)
EPS (basic)¥69.272025-04-01 → 2026-03-31StandaloneBasic earnings loss per share (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 → 2024-03-31vStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥159.622022-04-01 → 2023-03-31vStandaloneBasic earnings loss per share (5-year summary)
EPS (basic)¥82.732021-04-01 → 2022-03-31vStandaloneBasic earnings loss per share (5-year summary)
EPS (diluted)¥17.082025-04-01 → 2026-03-31StandaloneDiluted earnings 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 → 2024-03-31vStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥28.172022-04-01 → 2023-03-31vStandaloneDiluted earnings per share (5-year summary)
EPS (diluted)¥18.892021-04-01 → 2022-03-31vStandaloneDiluted earnings per share (5-year summary)
Dividend per share¥102025-04-01 → 2026-03-31StandaloneDividend paid 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 → 2024-03-31vStandaloneDividend paid per share (5-year summary)
Dividend per share¥102022-04-01 → 2023-03-31vStandaloneDividend paid per share (5-year summary)
Dividend per share¥102021-04-01 → 2022-03-31vStandaloneDividend paid per share (5-year summary)
Net assets per share¥922.3at 2026-03-31StandaloneNet assets 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 2024-03-31vStandaloneNet assets per share (5-year summary)
Net assets per share¥814.03at 2023-03-31vStandaloneNet assets per share (5-year summary)
Net assets per share¥789.13at 2022-03-31vStandaloneNet assets per share (5-year summary)
Equity ratio4.7%at 2026-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio5.7%at 2025-03-31StandaloneEquity to asset ratio (5-year summary)
Equity ratio6.0%at 2024-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio5.2%at 2023-03-31vStandaloneEquity to asset ratio (5-year summary)
Equity ratio5.0%at 2022-03-31vStandaloneEquity to asset ratio (5-year summary)
ROE2.6%2025-04-01 → 2026-03-31StandaloneRate of return on equity (5-year summary)
ROE2.9%2024-04-01 → 2025-03-31StandaloneRate of return on equity (5-year summary)
ROE2.5%2023-04-01 → 2024-03-31vStandaloneRate of return on equity (5-year summary)
ROE4.1%2022-04-01 → 2023-03-31vStandaloneRate of return on equity (5-year summary)
ROE2.6%2021-04-01 → 2022-03-31vStandaloneRate of return on equity (5-year summary)
Shares issued5,944,000at 2026-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued5,944,000at 2025-03-31StandaloneTotal number of issued shares (5-year summary)
Shares issued5,944,000at 2024-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued5,944,000at 2023-03-31vStandaloneTotal number of issued shares (5-year summary)
Shares issued5,944,000at 2022-03-31vStandaloneTotal number of issued shares (5-year summary)
Employees509at 2026-03-31StandaloneNumber of employees
Employees503at 2025-03-31StandaloneNumber of employees
Employees511at 2024-03-31vStandaloneNumber of employees
Employees508at 2023-03-31vStandaloneNumber of employees
Employees520at 2022-03-31vStandaloneNumber 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 · 1,374
ItemContextValueUnit
Other income oibnkCurrentYearDuration_NonConsolidatedMember1080000000JPY
Recoveries of written off claims oibnkPrior1YearDuration_NonConsolidatedMember301000000JPY
Recoveries of written off claims oibnkCurrentYearDuration_NonConsolidatedMember222000000JPY
Gain on sales of stocks and other securities oibnkPrior1YearDuration_NonConsolidatedMember135000000JPY
Gain on sales of stocks and other securities oibnkCurrentYearDuration_NonConsolidatedMember763000000JPY
Other other income oibnkPrior1YearDuration_NonConsolidatedMember76000000JPY
Other other income oibnkCurrentYearDuration_NonConsolidatedMember95000000JPY
Ordinary expenses bnkPrior1YearDuration_NonConsolidatedMember9035000000JPY
Ordinary expenses bnkCurrentYearDuration_NonConsolidatedMember10834000000JPY
Interest expenses oebnkPrior1YearDuration_NonConsolidatedMember345000000JPY
Interest expenses oebnkCurrentYearDuration_NonConsolidatedMember1118000000JPY
Interest on deposits oebnkPrior1YearDuration_NonConsolidatedMember338000000JPY
Interest on deposits oebnkCurrentYearDuration_NonConsolidatedMember1109000000JPY
Interest on negotiable certificates of deposit oebnkPrior1YearDuration_NonConsolidatedMember6000000JPY
Interest on negotiable certificates of deposit oebnkCurrentYearDuration_NonConsolidatedMember7000000JPY
Interest on call money oebnkPrior1YearDuration_NonConsolidatedMember0JPY
Interest on call money oebnkCurrentYearDuration_NonConsolidatedMember0JPY
Interest on payables under securities lending transactions oebnkPrior1YearDuration_NonConsolidatedMember0JPY
Interest on payables under securities lending transactions oebnkCurrentYearDuration_NonConsolidatedMember0JPY
Interest on borrowings and rediscounts oebnkPrior1YearDuration_NonConsolidatedMember0JPY
Interest on borrowings and rediscounts oebnkCurrentYearDuration_NonConsolidatedMember0JPY
Fees and commissions payments oebnkPrior1YearDuration_NonConsolidatedMember1132000000JPY
Fees and commissions payments oebnkCurrentYearDuration_NonConsolidatedMember1099000000JPY
Fees and commissions on domestic and foreign exchanges oebnkPrior1YearDuration_NonConsolidatedMember52000000JPY
Fees and commissions on domestic and foreign exchanges oebnkCurrentYearDuration_NonConsolidatedMember53000000JPY
Other fees and commissions oebnkPrior1YearDuration_NonConsolidatedMember1080000000JPY
Other fees and commissions oebnkCurrentYearDuration_NonConsolidatedMember1045000000JPY
Other ordinary expenses oebnkPrior1YearDuration_NonConsolidatedMember150000000JPY
Other ordinary expenses oebnkCurrentYearDuration_NonConsolidatedMember466000000JPY
Loss on sales of bonds oebnkPrior1YearDuration_NonConsolidatedMember131000000JPY
Loss on sales of bonds oebnkCurrentYearDuration_NonConsolidatedMember447000000JPY
Amortization of stock issuance cost noePrior1YearDuration_NonConsolidatedMember19000000JPY
Amortization of stock issuance cost noeCurrentYearDuration_NonConsolidatedMember19000000JPY
Other other operating expenses oebnkPrior1YearDuration_NonConsolidatedMember0JPY
Other other operating expenses oebnkCurrentYearDuration_NonConsolidatedMember0JPY
General and administrative expenses oebnkPrior1YearDuration_NonConsolidatedMember6586000000JPY
General and administrative expenses oebnkCurrentYearDuration_NonConsolidatedMember6825000000JPY
Other expenses oebnkPrior1YearDuration_NonConsolidatedMember820000000JPY
Other expenses oebnkCurrentYearDuration_NonConsolidatedMember1325000000JPY
Provision of allowance for loan losses oebnkPrior1YearDuration_NonConsolidatedMember50000000JPY
Provision of allowance for loan losses oebnkCurrentYearDuration_NonConsolidatedMember517000000JPY
Written off of loans oebnkPrior1YearDuration_NonConsolidatedMember530000000JPY
Written off of loans oebnkCurrentYearDuration_NonConsolidatedMember759000000JPY
Losses on devaluation of stocks and other securities oebnkPrior1YearDuration_NonConsolidatedMember111000000JPY
Losses on devaluation of stocks and other securities oebnkCurrentYearDuration_NonConsolidatedMember1000000JPY
Other other expenses oebnkPrior1YearDuration_NonConsolidatedMember128000000JPY
Other other expenses oebnkCurrentYearDuration_NonConsolidatedMember46000000JPY
Ordinary incomePrior1YearDuration_NonConsolidatedMember1344000000JPY
Ordinary incomeCurrentYearDuration_NonConsolidatedMember1207000000JPY
Extraordinary incomePrior1YearDuration_NonConsolidatedMember0JPY

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 2025-03-31pass
balance sheet identitynon_consolidated 2026-03-31pass rounding
dei present pass
period resolution pass
statement vs summary · net assetsnon_consolidated 2024-03-31pass
statement vs summary · net assetsnon_consolidated 2025-03-31pass
statement vs summary · net assetsnon_consolidated 2026-03-31pass
statement vs summary · operating cash flownon_consolidated 2024-04-01/2025-03-31pass
statement vs summary · operating cash flownon_consolidated 2025-04-01/2026-03-31pass
statement vs summary · total assetsnon_consolidated 2025-03-31pass
statement vs summary · total assetsnon_consolidated 2026-03-31pass