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Ltd.","jir_importance":"\u2605\u2605\u2605\u2605\u2606","jir_publication_date":"2026-05-12","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/05\/8558-20260512-01.pdf","jir_short_summary":"For the fiscal year ending March 2026, consolidated ordinary income was 4,350.4 billion yen (up 15.0% YoY), ordinary profit was \u25b3298.37 billion yen, and net income attributable to owners of the parent was \u25b3244.99 billion yen.","jir_summary":"### Performance Overview\nFor the fiscal year ending March 2026, the consolidated operating results showed ordinary income of 43,504 hundred million yen (up 15.0% YoY), driven by increases in lending interest and securities dividends. Meanwhile, ordinary profit was \u25b329,837 hundred million yen, a significant decline due to the recording of losses on the sale of government bonds and other bonds. Net income attributable to owners of the parent also turned into a deficit at \u25b324,499 hundred million yen. Earnings per share stood at \u25b3687.18 yen. Although the shareholders' equity ratio declined to 6.72%, total assets increased to 2,416,250 billion yen.\n\n### Financial Position and Cash Flows\nDeposits increased to 2,170.9 billion yen from the previous period, and loans also grew to 1,646.4 billion yen. The non-performing loan ratio under the Financial Reconstruction Law decreased to 2.39%. Cash flows from operating activities were positive at 1.386 billion yen, cash flows from investing activities were positive at 114.8 billion yen, and cash flows from financing activities were negative at \u25b32.34 billion yen, leading to an increase in cash and cash equivalents to 281.03 billion yen.\n\n### Dividend Status\nFor the fiscal year ending March 2026, the planned dividend per share at the end of the term is 35 yen, with no interim dividend paid, totaling 35 yen annually. The total dividend amount is 1,240 million yen, with a dividend payout ratio of 1.4%.\n\n### Earnings Forecast for March 2027\nThe consolidated earnings forecast for March 2027 predicts ordinary income of 5,000 hundred million yen and net income attributable to owners of the parent of 5,500 hundred million yen. The forecasted earnings per share are 155.20 yen, but uncertainties remain, and figures may change depending on future economic conditions.","jir_financial_highlights":"Ordinary Income: 43,504 hundred million yen (Up 15.0% YoY)\nOrdinary Profit: \u25b329,837 hundred million yen (Compared to \u00a56,389 hundred million in the previous period (up 47.3%))\nNet income attributable to owners of the parent: \u25b324,499 hundred million yen (Compared to \u00a54,520 hundred million in the previous period (up 28.0%))\nEarnings per share: \u25b3687.18 yen (Compared to 122.36 yen in the previous period)\nConsolidated shareholders' equity ratio: 6.72% (Decreased compared to the previous period)\nTotal Assets: 241,625.0 hundred million yen (Increased compared to the previous period)\nDividend (at end of term): 35 yen (Same as the previous period)\nEarnings forecast for March 2027: Ordinary Income: 5,000 hundred million yen (Uncertain compared to the previous period)\nEarnings forecast for March 2027: Net income attributable to owners of the parent: 5,500 hundred million yen (Uncertain compared to the previous period)","jir_category":"","jir_hashtags":"#TowaBank, #FinancialSummary, #JapaneseStocks","jir_key_figures":"Ordinary Income: 43,504 hundred million yen (up 15.0% YoY)\nOrdinary Profit: \u25b329,837 hundred million yen (previous period \u00a56,389 hundred million)\nNet income attributable to owners of the parent: \u25b324,499 hundred million yen (previous period \u00a54,520 hundred million)\nEarnings per share: \u25b3687.18 yen (previous period 122.36 yen)\nDividend (at end of term): 35 yen (same as previous period)","jir_meta_title":"\u3010Towa Bank\u3011Fiscal Year ending March 2026 Results\uff5cOrdinary Income 4.3504 trillion yen (+15.0%)","jir_meta_description":"Towa Bank's fiscal year ending March 2026 financial summary. Ordinary income reached 4.3504 trillion yen (up 15.0% YoY), while ordinary profit declined sharply to \u25b3298.37 billion yen, and net income attributable to owners of the parent turned into a deficit at \u25b3244.99 billion yen. The planned dividend at the end of the term is 35 yen.","jir_og_title":"\u3010Towa Bank\u3011Fiscal Year ending March 2026 Results\uff5cOrdinary Income 4.3504 trillion yen (+15.0%)","jir_og_description":"Towa Bank's fiscal year ending March 2026 financial summary. Ordinary income increased by 15.0% YoY to 4.3504 trillion yen, while ordinary profit significantly declined into the red. 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