The Towa Bank, Ltd. (TYO:8558)

The Towa Bank Income Statement

Financials in millions JPY. Fiscal year is April - March.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec 31, 2025	Mar 31, 2025	Mar 31, 2024	Mar 31, 2023	Mar 31, 2022	Mar 31, 2021
Interest Income on Loans	23,100	20,076	18,529	18,600	18,648	19,067
Interest Income on Investments	5,786	3,616	3,154	3,708	4,450	3,982
Total Interest Income	28,886	23,692	21,683	22,308	23,098	23,049
Interest Paid on Deposits	3,602	1,315	105	122	170	235
Interest Paid on Borrowings	196	75	37	34	33	25
Total Interest Expense	3,798	1,390	142	156	203	260
Net Interest Income	25,088	22,302	21,541	22,152	22,895	22,789
Net Interest Income Growth (YoY)	14.23%	3.53%	-2.76%	-3.25%	0.46%	-6.17%
Gain (Loss) on Sale of Assets	1,685	-4	-24	1,013	29	-29
Gain (Loss) on Sale of Investments	-	-	-	35	1,921	1,599
Other Non-Interest Income	14,626	14,123	12,455	11,170	11,888	11,789
Total Non-Interest Income	16,311	14,119	12,431	12,218	13,838	13,359
Non-Interest Income Growth (YoY)	44.49%	13.58%	1.74%	-11.71%	3.59%	-5.44%
Revenues Before Loan Losses	41,399	36,421	33,972	34,370	36,733	36,148
Provision for Loan Losses	699	699	1,976	2,693	6,370	4,152
Revenue	40,700	35,722	31,996	31,677	30,363	31,996
Revenue Growth (YoY)	30.14%	11.64%	1.01%	4.33%	-5.10%	-6.11%
Selling, General & Administrative	21,250	20,471	19,735	19,603	19,751	20,210
Other Non-Interest Expense	10,909	8,867	7,952	7,076	6,873	7,723
Total Non-Interest Expense	32,159	29,338	27,687	26,679	26,624	27,933
EBT Excluding Unusual Items	8,541	6,384	4,309	4,998	3,739	4,063
Asset Writedown	-337	-236	-12	-7	-319	-118
Pretax Income	8,204	6,148	4,297	4,991	3,420	3,945
Income Tax Expense	2,118	1,631	763	889	1,628	1,394
Earnings From Continuing Operations	6,086	4,517	3,534	4,102	1,792	2,551
Minority Interest in Earnings	-18	3	-4	-8	-47	-56
Net Income	6,068	4,520	3,530	4,094	1,745	2,495
Preferred Dividends & Other Adjustments	-	-	207	196	-	194
Net Income to Common	6,068	4,520	3,323	3,898	1,745	2,301
Net Income Growth	129.07%	28.04%	-13.78%	134.61%	-30.06%	-13.85%
Basic Shares Outstanding	35	37	37	37	37	37
Diluted Shares Outstanding	35	40	63	65	64	59
Shares Change (YoY)	-3.60%	-36.55%	-3.44%	1.85%	8.03%	4.44%
EPS (Basic)	168.64	122.34	89.85	105.58	47.31	62.37
EPS (Diluted)	166.61	113.01	55.99	62.70	27.22	42.05
EPS Growth	189.70%	101.83%	-10.70%	130.36%	-35.26%	-17.51%
Dividend Per Share	35.000	35.000	25.000	25.000	25.000	30.000
Dividend Growth	40.00%	40.00%	-	-	-16.67%	-25.00%
Effective Tax Rate	-	26.53%	17.76%	17.81%	47.60%	35.34%

Updated Dec 31, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.