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THE Howa BankTHE HOWA BANK,LTD.8559東京証券取引所・福岡証券取引所銀行業FY ending Mar 2026, non-consolidated, J-GAAP

THE Howa Bank FY ending Mar 2022 results

THE Howa Bank brought in ¥9.64B in ordinary revenue.

Out of every ¥100 of ordinary revenue, about ¥10 is left as ordinary profit.

Ordinary revenue changed -3.4% from the prior year, ordinary profit +19.4%.

Revenue and profit pattern

Revenue down, profit up

Revenue -3.4% · profit +19.4%, calculated from disclosed figures.

Operating leverage: -5.79× (profit growth ÷ revenue growth)

What changed from last year

FY ending Mar 2021 → FY ending Mar 2022

Revenue
-3.4%¥9.98B → ¥9.64B
Operating cash flow
-65.7%¥38.4B → ¥13.2B
Free cash flow
-66.4%¥38.1B → ¥12.8B

Where the money goes

FY ending Mar 2021 → FY ending Mar 2022

Where ¥100 of ordinary revenue goes

For every ¥100 of ordinary revenue (a bank's or insurer's top line) THE Howa Bank earns, how much goes where, and how much is kept.

FY ending Mar 2022
Ordinary expenses
¥90
Ordinary profit
¥10
Net profit kept
¥9

Annual margin trends

Ordinary margin9.9%
FY ending Mar 2017: 7.8%7.8%FY ending Mar 2018: 10.1%10.1%FY ending Mar 2019: 11.6%11.6%FY ending Mar 2020: 2.6%2.6%FY ending Mar 2021: 8.0%8.0%FY ending Mar 2022: 9.9%9.9%FY17FY18FY19FY20FY21FY22
Net margin8.8%
FY ending Mar 2017: 6.7%6.7%FY ending Mar 2018: 6.7%6.7%FY ending Mar 2019: 11.7%11.7%FY ending Mar 2020: 3.2%3.2%FY ending Mar 2021: 10.0%10.0%FY ending Mar 2022: 8.8%8.8%FY17FY18FY19FY20FY21FY22

Aligned fiscal years compare the shares of revenue remaining as gross, core, and net profit. Missing years are left unconnected.

Sources

Show source documents (6)

  • EDINET (FSA Japan)

    有価証券報告書－第108期(2025/04/01－2026/03/31)

    ID S100YF852026-06-19Open

  • EDINET (FSA Japan)

    有価証券報告書－第107期(2024/04/01－2025/03/31)

    ID S100W0EY2025-06-20Open

  • EDINET (FSA Japan)

    有価証券報告書－第106期(2023/04/01－2024/03/31)

    ID S100TV4H2024-06-27Open

  • EDINET (FSA Japan)

    有価証券報告書－第105期(2022/04/01－2023/03/31)

    ID S100R8Q52023-06-29Open

  • EDINET (FSA Japan)

    訂正有価証券報告書－第104期(令和3年4月1日－令和4年3月31日)

    ID S100P3ZJ2022-08-31Open

  • EDINET (FSA Japan)

    有価証券報告書－第103期(令和2年4月1日－令和3年3月31日)

    ID S100LSPN2021-06-29Open

Extracted from XBRL: 40 / Derived from other figures: 1

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