The Towa Bank Balance Sheet

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

Millions JPY. Fiscal year is Apr - Mar.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Mar '25 Mar 31, 2025	Mar '24 Mar 31, 2024	Mar '23 Mar 31, 2023	Mar '22 Mar 31, 2022	Mar '21 Mar 31, 2021
Cash & Equivalents	198,359	167,707	195,486	188,346	376,579	383,664
Investment Securities	513,112	535,044	557,317	568,660	595,291	596,874
Total Investments	513,112	535,044	557,317	568,660	595,291	596,874
Gross Loans	1,647,147	1,607,567	1,577,415	1,563,406	1,525,600	1,506,528
Allowance for Loan Losses	-7,158	-6,302	-7,080	-6,995	-8,469	-8,707
Net Loans	1,639,989	1,601,265	1,570,335	1,556,411	1,517,131	1,497,821
Property, Plant & Equipment	23,366	23,884	22,466	21,892	21,952	22,864
Other Intangible Assets	2,887	3,458	3,564	3,228	3,250	2,881
Restricted Cash	1,001	2,994	3,992	3,998	9,985	9,990
Other Current Assets	4,430	4,298	6,908	4,110	4,430	5,781
Long-Term Deferred Tax Assets	2,294	2,916	3,470	4,635	4,913	2,265
Other Long-Term Assets	43,123	41,187	42,116	39,115	33,256	29,340
Total Assets	2,428,561	2,382,753	2,405,654	2,390,395	2,566,787	2,551,480
Accrued Expenses	-	471	449	446	447	432
Interest Bearing Deposits	2,205,610	2,155,574	2,152,798	2,144,412	2,135,975	2,104,845
Total Deposits	2,205,610	2,155,574	2,152,798	2,144,412	2,135,975	2,104,845
Other Current Liabilities	3,464	3,678	3,843	3,447	3,598	3,853
Long-Term Debt	119,900	121,490	120,390	115,890	292,990	298,715
Pension & Post-Retirement Benefits	58	60	53	48	44	39
Long-Term Deferred Tax Liabilities	1,956	2,055	2,005	2,006	2,070	2,078
Other Long-Term Liabilities	9,530	8,254	7,511	6,457	6,456	6,416
Total Liabilities	2,340,518	2,291,582	2,287,049	2,272,706	2,441,580	2,416,378
Common Stock	38,653	38,653	38,653	38,653	38,653	38,653
Additional Paid-In Capital	17,502	17,500	17,500	17,500	17,500	17,500
Retained Earnings	61,665	59,241	72,512	70,116	66,990	66,576
Treasury Stock	-1,227	-284	-139	-202	-217	-304
Comprehensive Income & Other	-29,073	-24,470	-10,456	-8,909	1,761	12,187
Total Common Equity	87,520	90,640	118,070	117,158	124,687	134,612
Minority Interest	523	531	535	531	520	490
Shareholders' Equity	88,043	91,171	118,605	117,689	125,207	135,102
Total Liabilities & Equity	2,428,561	2,382,753	2,405,654	2,390,395	2,566,787	2,551,480
Total Debt	119,900	121,490	120,390	115,890	292,990	298,715
Net Cash (Debt)	78,459	46,217	75,096	72,456	83,589	84,949
Net Cash Growth	2.71%	-38.46%	3.64%	-13.32%	-1.60%	106.88%
Net Cash Per Share	2214.04	1155.37	1191.17	1109.76	1303.89	1431.56
Filing Date Shares Outstanding	35.44	36.76	37	36.97	36.91	36.8
Total Common Shares Outstanding	35.44	36.76	37	36.93	36.91	36.8
Book Value Per Share	2469.73	2465.69	3190.66	3172.79	3378.36	3658.03
Tangible Book Value	84,633	87,182	114,506	113,930	121,437	131,731
Tangible Book Value Per Share	2388.26	2371.63	3094.35	3085.37	3290.31	3579.74

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