The Towa 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 2025	FY 2024	FY 2023	FY 2022	FY 2021	2016 - 2020
Period Ending	Jan '26 Jan 22, 2026	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	2016 - 2020
Market Capitalization	42,703	22,645	26,570	20,088	19,893	25,318	Upgrade
Market Cap Growth	80.87%	-14.77%	32.27%	0.98%	-21.43%	8.96%	Upgrade
Last Close Price	1205.00	616.00	680.55	491.82	465.46	567.98	Upgrade
PE Ratio	6.87	5.01	8.00	5.15	11.40	11.00	Upgrade
PS Ratio	1.09	0.63	0.83	0.63	0.66	0.79	Upgrade
PB Ratio	0.46	0.25	0.22	0.17	0.16	0.19	Upgrade
P/FCF Ratio	-	-	-	-	-	0.47	Upgrade
P/OCF Ratio	-	-	-	-	-	0.46	Upgrade
Debt / Equity Ratio	1.35	1.33	1.01	0.99	2.34	2.21	Upgrade
Debt / FCF Ratio	-	-	-	-	-	5.54	Upgrade
Return on Equity (ROE)	6.74%	4.31%	2.99%	3.38%	1.38%	1.92%	Upgrade
Return on Assets (ROA)	0.27%	0.19%	0.15%	0.17%	0.07%	0.10%	Upgrade
Earnings Yield	15.11%	19.96%	13.29%	20.38%	8.77%	9.86%	Upgrade
FCF Yield	-42.11%	-94.05%	-33.13%	-1089.73%	-134.36%	213.03%	Upgrade
Dividend Yield	2.94%	5.68%	3.67%	5.08%	5.37%	5.28%	Upgrade
Payout Ratio	19.93%	33.23%	31.70%	27.31%	74.38%	66.93%	Upgrade
Buyback Yield / Dilution	29.52%	36.55%	3.44%	-1.85%	-8.03%	-4.44%	Upgrade
Total Shareholder Return	32.45%	42.23%	7.11%	3.24%	-2.66%	0.84%	Upgrade

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Banks template. Financial Sources.