For the nine months ended March 2026, consolidated ordinary income was 31.311 billion yen (22.2% YoY increase), ordinary profit was 3.499 billion yen (15.4% YoY increase), and net income attributable to owners of parent was 3.523 billion yen (78.3% YoY 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Ltd.","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-02-03","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/02\/8558-20260203-01.pdf","jir_short_summary":"For the nine months ended March 2026, consolidated ordinary income was 31.311 billion yen (22.2% YoY increase), ordinary profit was 3.499 billion yen (15.4% YoY increase), and net income attributable to owners of parent was 3.523 billion yen (78.3% YoY increase).","jir_summary":"### Performance Overview\nDuring the consolidated cumulative third quarter period of FY March 2026, ordinary income increased by 22.2% year-over-year to 31.311 billion yen, driven by increases in interest on loans and interest and dividends on securities. Although ordinary expenses also increased, ordinary profit rose 15.4% YoY to 3.499 billion yen. Recognition of gains on sales of held real estate due to branch policy contributed to net income attributable to owners of parent increasing substantially by 78.3% YoY to 3.523 billion yen.\n\n### Financial Position and Earnings Guidance\nTotal assets grew by 45.87 billion yen from the previous term-end to 2.428561 trillion yen, deposits increased to 2.2056 trillion yen, and loans expanded to 1.6468 trillion yen. Conversely, securities holdings decreased. Although the consolidated capital adequacy ratio slightly declined to 9.62%, financial soundness is maintained. There are no changes to the full-year earnings guidance, and stable business performance is expected.","jir_financial_highlights":"Ordinary Income: 31.311 billion yen (22.2% YoY increase)\nOrdinary Profit: 3.499 billion yen (15.4% YoY increase)\nNet Income Attributable to Owners of Parent: 3.523 billion yen (78.3% YoY increase)\nTotal Assets: 2.428561 trillion yen (45.87 billion yen increase from previous term-end)\nNet Assets: 88.045 billion yen (Decrease from previous term-end (91.171 billion yen \u2192 88.045 billion yen))\nConsolidated Capital Adequacy Ratio (Domestic Standard): 9.62% (Slight decline from 9.75% at previous term-end)\nNumber of Issued Shares (Including Treasury Stock): 37,180,273 shares (Unchanged from previous term-end)\nTreasury Stock at Term-End: 1,743,212 shares (Increased from 419,827 shares at previous term-end)","jir_category":"","jir_hashtags":"#TowaBankLtd, #FinancialSummary, #JapaneseStocks","jir_key_figures":"Ordinary Income: 31.311 billion yen (22.2% YoY increase)\nNet Income Attributable to Owners of Parent: 3.523 billion yen (78.3% YoY increase)\nTotal Assets: 2.428561 trillion yen (45.87 billion yen increase from previous term-end)","jir_meta_title":"Towa Bank, Ltd. FY March 2026 Q3 Financial Summary\uff5cOrdinary Income Hits 31 Billion Yen, Net Income 3.5 Billion Yen","jir_meta_description":"Towa Bank, Ltd.'s FY March 2026 Q3 Financial Summary. Ordinary income rose 22.2% YoY to 31.311 billion yen, and net income attributable to owners of parent significantly increased by 78.3% to 3.523 billion yen. Includes financial position and earnings guidance.","jir_og_title":"Towa Bank FY2026 Q3 Financial Summary Released","jir_og_description":"Towa Bank's FY March 2026 Q3 Financial Summary. 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