The net income attributable to owners of parent for the fiscal year ending March 2026 has been revised to a loss of 26 billion yen. Ordinary income has also been downwardly revised to a loss of 30 billion yen. Dividend forecast remains unchanged at 35 yen annually.<\/p>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","meta":{"Ticker":"","DATE":"","longName":"","company_name_ja":"","fullTimeEmployees":0,"address":"","phone":"","website":"","industry":"","sector":"","regularMarketPrice":0,"financialCurrency":"","marketCap":0,"fiftyTwoWeekLow":0,"fiftyTwoWeekHigh":0,"epsTrailingTwelveMonths":0,"epsForward":0,"bookValue":0,"totalRevenue":0,"OperatingIncome":0,"operatingMargins":0,"NetIncome":0,"profitMargins":0,"ebitda":0,"trailingPE":0,"forwardPE":0,"priceToBook":0,"returnOnEquity":0,"recommendationMean":0,"recommendationKey":"","targetMeanPrice":0,"numberOfAnalystOpinions":0,"analyst_earnings_data":"","dividendRate":0,"dividendYield":0,"payoutRatio":0,"totalEsg":0,"environmentScore":0,"socialScore":0,"governanceScore":0,"title":"","providerPublishTime":"","link":"","longBusinessSummary":"","longBusinessSummary_ja":"","quarterly_revenue":0,"quarterly_net_income":0,"quarterly_operating_profit":0,"enterprise_value":0,"company_officer_1_name":"","company_officer_1_title":"","company_officer_2_name":"","company_officer_2_title":"","company_officer_3_name":"","company_officer_3_title":"","company_officer_4_name":"","company_officer_4_title":"","company_officer_5_name":"","company_officer_5_title":"","company_officers_update_time":"","get_dividend_history_year1":0,"get_dividend_history_year2":0,"get_dividend_history_year3":0,"get_dividend_history_year4":0,"get_dividend_history_year5":0,"get_dividend_history_year6":0,"get_dividend_history_year7":0,"get_dividend_history_year8":0,"get_dividend_history_year9":0,"get_dividend_history_year10":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"jir_stock_code":"8558","jir_company_name":"Towa Bank, Ltd.","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-03-13","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/03\/8558-20260313-01.pdf","jir_short_summary":"The net income attributable to owners of parent for the fiscal year ending March 2026 has been revised to a loss of 26 billion yen. Ordinary income has also been downwardly revised to a loss of 30 billion yen. Dividend forecast remains unchanged at 35 yen annually.","jir_summary":"### Details of the Earnings Guidance Revision\nThe consolidated full-year earnings forecast for the fiscal year ending March 2026 has been revised. Ordinary income was previously forecasted at a positive 3.5 billion yen but is now expected to post a loss of 30 billion yen. Net income attributable to owners of parent was also revised downward significantly from a positive 3.5 billion yen forecast to a loss of 26 billion yen. Earnings per share decreased from 98.17 yen to a loss of 729.27 yen. Individual earnings forecasts have been revised similarly. The dividend forecast remains unchanged with a year-end dividend of 35 yen and an annual dividend of 35 yen.\n\n### Reasons for the Revision and Future Policy\nIn the third quarter financial results for the fiscal year ending March 2026, core operations progressed smoothly thanks to increases in deposits and loans. However, due to rising domestic interest rates and an expansion in unrealized losses on securities, a securities disposal loss of approximately 35 billion yen is expected to be recorded in the fourth quarter. This is projected to lead to a significant net loss for the fiscal year. The bank aims to reduce future interest rate risks and enhance profitability by restructuring its investment portfolio. Funds from sales will be used for business loans in the regional area to contribute to revitalizing the local economy.\n\n### Reduction of Executive Compensation\nFollowing the revision of earnings guidance, to clarify management responsibility, the representative director and president executive officer and the representative director and deputy president executive officer will have their monthly compensation reduced by 30%; managing directors and executive directors will have a 25% reduction; and managing executive officers will receive a 20% reduction. The applicable period is three months from April through June 2026.","jir_financial_highlights":"Ordinary Income: Loss of 30 billion yen (Decrease of 33.5 billion yen from previous forecast of 3.5 billion yen)\nNet Income Attributable to Owners of Parent: Loss of 26 billion yen (Decrease of 29.5 billion yen from previous forecast of 3.5 billion yen)\nEarnings Per Share: Loss of 729.27 yen (Significant decrease from previous forecast of 98.17 yen)\nAnnual Dividend: 35.00 yen (No change)","jir_category":"","jir_hashtags":"#TowaBank, #EarningsGuidanceRevision, #JapaneseStocks","jir_key_figures":"Ordinary Income Forecast: Loss of 30 billion yen (previous forecast: 3.5 billion yen)\nNet Income Attributable to Owners of Parent Forecast: Loss of 26 billion yen (previous forecast: 3.5 billion yen)\nAnnual Dividend Forecast: 35.00 yen (no change)","jir_meta_title":"Towa Bank Significantly Revises Down Full-Year Earnings Guidance for Fiscal 2026 to Ordinary Income Loss of 30 Billion Yen","jir_meta_description":"Towa Bank has sharply revised down its ordinary income forecast for the fiscal year ending March 2026 from 3.5 billion yen profit to a 30 billion yen loss, and net income forecast from 3.5 billion yen profit to a 26 billion yen loss. Dividend remains at 35 yen, with executive compensation reductions implemented.","jir_og_title":"Notice of Revision of Earnings Forecast for Fiscal Year Ending March 2026 by Towa Bank","jir_og_description":"Towa Bank significantly revises down its earnings guidance for the fiscal year ending March 2026. Ordinary income is expected to be a loss of 30 billion yen, and net income a loss of 26 billion yen. Dividend forecast remains unchanged.","jir_og_image_url":"\/assets\/og\/company-earnings_guidance.jpg","jir_chart_data_collection":"[]","ir_related_company":17626,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"earnings_guidance","footnotes":""},"sector":[],"importance":[],"class_list":["post-34673","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n