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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
Major facilities (text)FilingDateInstantText · Plus
Planned additions retirements etc of facilities (text)FilingDateInstantText · Plus
Total number of shares (text)FilingDateInstantText · Plus
Issued shares total number of shares etc (text)FilingDateInstantText · Plus
Class issued shares total number of shares etcFilingDateInstant_OrdinaryShareMember
Original text (Japanese)普通株式
Name of financial instruments exchange on which securities are listed or authorized financial instruments business association to which securities are registeredFilingDateInstant_OrdinaryShareMember
Original text (Japanese)福岡証券取引所
Description issued shares total number of shares etcFilingDateInstant_OrdinaryShareMember
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(注)３～５、９
Class issued shares total number of shares etcFilingDateInstant_ClassBPreferredSharesMember
Original text (Japanese)Ｂ種優先株式
Name of financial instruments exchange on which securities are listed or authorized financial instruments business association to which securities are registeredFilingDateInstant_ClassBPreferredSharesMember
Original text (Japanese)非上場
Description issued shares total number of shares etcFilingDateInstant_ClassBPreferredSharesMember
Original text (Japanese)(注)３～６
Class issued shares total number of shares etcFilingDateInstant_jpcrp030000-asr_E03673-000ClassDPreferredSharesMember
Original text (Japanese)Ｄ種優先株式(行使価額修正条項付新株予約権付社債券等)
Name of financial instruments exchange on which securities are listed or authorized financial instruments business association to which securities are registeredFilingDateInstant_jpcrp030000-asr_E03673-000ClassDPreferredSharesMember
Original text (Japanese)非上場
Description issued shares total number of shares etcFilingDateInstant_jpcrp030000-asr_E03673-000ClassDPreferredSharesMember
Original text (Japanese)(注)１～５、７
Class issued shares total number of shares etcFilingDateInstant_jpcrp030000-asr_E03673-000ClassFPreferredSharesMember
Original text (Japanese)Ｆ種優先株式
Name of financial instruments exchange on which securities are listed or authorized financial instruments business association to which securities are registeredFilingDateInstant_jpcrp030000-asr_E03673-000ClassFPreferredSharesMember
Original text (Japanese)非上場
Description issued shares total number of shares etcFilingDateInstant_jpcrp030000-asr_E03673-000ClassFPreferredSharesMember
Original text (Japanese)(注)３～５、８
Details of employee share option program (text)FilingDateInstantText · Plus
Description of rights plan (text)FilingDateInstantText · Plus
Other information on share acquisition rights (text)FilingDateInstantText · Plus
Exercises etc of moving strike convertible bonds etc (text)FilingDateInstantText · Plus
Changes in number of issued shares stated capital etc (text)FilingDateInstantText · Plus
Shareholding by shareholder category (text)FilingDateInstantText · Plus
Major shareholders (text)FilingDateInstantText · Plus
Name major shareholdersCurrentYearInstant_No1MajorShareholdersMember
Original text (Japanese)株式会社西日本シティ銀行
Address major shareholdersCurrentYearInstant_No1MajorShareholdersMember
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 shareholdersCurrentYearInstant_No2MajorShareholdersMember
Original text (Japanese)株式会社整理回収機構
Address major shareholdersCurrentYearInstant_No2MajorShareholdersMember
Original text (Japanese)東京都千代田区丸の内３丁目４番２号
Name major shareholdersCurrentYearInstant_No3MajorShareholdersMember
Original text (Japanese)豊和銀行従業員持株会
Address major shareholdersCurrentYearInstant_No3MajorShareholdersMember
Original text (Japanese)大分県大分市王子中町４番10号
Name major shareholdersCurrentYearInstant_No4MajorShareholdersMember
Original text (Japanese)大和証券株式会社
Address major shareholdersCurrentYearInstant_No4MajorShareholdersMember
Original text (Japanese)東京都千代田区丸の内１丁目９番１号
Name major shareholdersCurrentYearInstant_No5MajorShareholdersMember
Original text (Japanese)九州総合信用株式会社
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)長野　健一
Address major shareholdersCurrentYearInstant_No6MajorShareholdersMember
Original text (Japanese)埼玉県ふじみ野市
Name major shareholdersCurrentYearInstant_No7MajorShareholdersMember
Original text (Japanese)株式会社福岡銀行
Address major shareholdersCurrentYearInstant_No7MajorShareholdersMember
Original text (Japanese)福岡県福岡市中央区天神２丁目13番１号
Name major shareholdersCurrentYearInstant_No8MajorShareholdersMember
Original text (Japanese)株式会社南日本銀行
Address major shareholdersCurrentYearInstant_No8MajorShareholdersMember
Original text (Japanese)鹿児島県鹿児島市山下町１番１号
Name major shareholdersCurrentYearInstant_No9MajorShareholdersMember
Original text (Japanese)株式会社宮崎太陽銀行
Address major shareholdersCurrentYearInstant_No9MajorShareholdersMember
Original text (Japanese)宮崎県宮崎市広島２丁目１番31号
Name major shareholdersCurrentYearInstant_No10MajorShareholdersMember
Original text (Japanese)株式会社日本カストディ銀行(信託口)
Address major shareholdersCurrentYearInstant_No10MajorShareholdersMember
Original text (Japanese)東京都中央区晴海１丁目８番12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)大和証券株式会社
Address major shareholders voting rightsCurrentYearInstant_No2MajorShareholdersVotingRightsMember
Original text (Japanese)東京都千代田区丸の内１丁目９番１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)長野　健一

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