The Howa Bank Ratios and Metrics

Market cap in millions JPY. Fiscal year is April - March.

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	Current	FY 2013	FY 2012	FY 2011	FY 2010	FY 2009
Period Ending	Jan '26 Jan 29, 2026	Mar '13 Mar 31, 2013	Mar '12 Mar 31, 2012	Mar '11 Mar 31, 2011	Mar '10 Mar 31, 2010	Mar '09 Mar 31, 2009
Market Capitalization	3,228	5,913	7,635	6,099	6,515	7,287
Market Cap Growth	16.38%	-22.55%	25.18%	-6.39%	-10.59%	-23.16%
Last Close Price	547.00	831.96	1062.81	840.52	889.55	985.64
PE Ratio	19.40	16.52	6.68	10.13	-	72.87
PS Ratio	0.39	0.74	0.83	0.70	0.70	0.68
PB Ratio	0.17	0.30	0.41	0.36	0.40	0.58
P/FCF Ratio	-	-	-	-	-	1.64
P/OCF Ratio	-	-	-	-	-	1.61
Debt / Equity Ratio	0.77	0.69	0.60	0.56	0.45	0.59
Debt / FCF Ratio	-	-	-	-	-	1.65
Return on Equity (ROE)	4.62%	3.35%	8.37%	5.97%	2.71%	0.78%
Return on Assets (ROA)	0.16%	0.12%	0.29%	0.21%	0.08%	0.02%
Earnings Yield	15.15%	12.48%	19.96%	16.22%	5.85%	1.37%
FCF Yield	-	-79.48%	-7.99%	-325.76%	-8.32%	60.97%
Dividend Yield	1.80%	1.20%	0.94%	1.19%	1.12%	-
Payout Ratio	-	59.48%	29.13%	46.61%	-	-
Buyback Yield / Dilution	3.50%	1.46%	-3.80%	-289.12%	72.16%	-4.77%
Total Shareholder Return	5.31%	2.66%	-2.86%	-287.93%	73.28%	-4.77%

Updated Aug 7, 2013. Source: S&P Global Market Intelligence. Banks template. Financial Sources.