- JP-listed companies
- THE TOWA BANK,LTD.
THE TOWA BANK,LTD.JP:8558
Market cap
¥22B
P/E ratio
6.3x
| Mar 31, 2013 | Mar 31, 2014 | Mar 31, 2015 | Mar 31, 2016 | Mar 31, 2017 | Mar 31, 2018 | Mar 31, 2019 | Mar 31, 2020 | Mar 31, 2021 | Mar 31, 2022 | Mar 31, 2023 | Mar 31, 2024 | |
| Profit (loss) before income taxes | 10,037 | 12,027 | 12,296 | 10,495 | 10,751 | 15,475 | 6,233 | 5,075 | 3,946 | 3,422 | 4,993 | 4,298 |
| Depreciation | 1,200 | 1,150 | 1,159 | 1,300 | 1,568 | 1,592 | 1,394 | 1,360 | 1,355 | 1,427 | 1,562 | 1,626 |
| Impairment losses | - | 359 | - | 174 | - | 29 | 112 | 605 | 118 | 319 | 7 | 12 |
| Increase (decrease) in allowance for loan losses | -2,406 | -137 | -3,087 | -778 | -905 | -808 | -1,548 | 1,316 | 2,835 | -238 | -1,474 | 85 |
| Increase (decrease) in provision for bonuses | 16 | -1 | 23 | 1 | 23 | 7 | -19 | 12 | -8 | 14 | -1 | 2 |
| Decrease (increase) in retirement benefit asset | - | - | - | - | - | - | - | - | - | -1,238 | -1,196 | -1,045 |
| Increase (decrease) in retirement benefit liability | - | 11,694 | -354 | -242 | -49 | -93 | -6,890 | -951 | -665 | 5 | 4 | 4 |
| Increase (decrease) in provision for retirement benefits for directors (and other officers) | -11 | - | 6 | -29 | - | 1 | - | -1 | - | - | -1 | - |
| Increase (decrease) in provision for reimbursement of deposits | 40 | 65 | 29 | 30 | -7 | 94 | 21 | -187 | -80 | -71 | -91 | 8 |
| Increase (decrease) in provision for contingent loss | -6 | -117 | 235 | 4 | -52 | 19 | -57 | -97 | -129 | 8 | 60 | 147 |
| Interest income | -31,158 | -31,360 | -31,223 | -29,856 | -28,748 | -27,221 | -25,237 | -24,581 | -23,049 | -23,098 | -22,308 | -21,683 |
| Interest expenses | 941 | 769 | 790 | 823 | 618 | 417 | 323 | 294 | 260 | 203 | 156 | 142 |
| Loss (gain) related to securities | 464 | -97 | 6 | -865 | -1,792 | -6,898 | -499 | -1,683 | -1,653 | -2,576 | 226 | -148 |
| Loss (gain) on money held in trust | - | - | - | - | - | - | - | -2 | 5 | 2 | - | 6 |
| Foreign exchange losses (gains) | -492 | -361 | -585 | 189 | -69 | 285 | -325 | 228 | -166 | -609 | -650 | -573 |
| Loss (gain) on disposal of non-current assets | 58 | 11 | 16 | 19 | 3 | 8 | -424 | 21 | 29 | -29 | -1,013 | 24 |
| Net decrease (increase) in trading securities | -9 | -7 | -1 | - | -6 | -10 | 2 | 20 | 14 | - | - | - |
| Net decrease (increase) in loans and bills discounted | -30,229 | -21,066 | -28,868 | -26,039 | -30,258 | -25,200 | -26,853 | -22,152 | -46,689 | -22,779 | -36,698 | -14,662 |
| Net increase (decrease) in deposits | 59,324 | 37,483 | 59,498 | 37,475 | 54,044 | 34,491 | 8,161 | 24,313 | 123,034 | 31,129 | 8,436 | 8,386 |
| Net increase (decrease) in borrowed money (excluding subordinated borrowings) | -13,810 | 17,795 | 41,603 | 54,007 | 27,750 | 15,083 | -7,703 | 9,094 | 126,102 | -5,725 | -177,100 | 4,500 |
| Net decrease (increase) in due from banks (excluding due from Bank of Japan) | -1,132 | 262 | 657 | 599 | 355 | 90 | 34 | -2,664 | -32 | -129 | 114 | 105 |
| Net decrease (increase) in call loans | 6,899 | -22,116 | 15,625 | 13,387 | 21,099 | -1,423 | 739 | -2,560 | 938 | 3,708 | -1,108 | 654 |
| Net decrease (increase) in foreign exchanges - assets | 85 | 29 | 44 | 293 | -15 | -253 | 333 | -109 | -1,376 | 1,096 | 169 | -2,402 |
| Net increase (decrease) in foreign exchanges - liabilities | -24 | -3 | 62 | -79 | 57 | -23 | -19 | -12 | 13 | 51 | 76 | -21 |
| Interest received | 31,096 | 31,813 | 31,470 | 30,289 | 29,346 | 27,654 | 25,719 | 25,996 | 23,144 | 24,311 | 22,641 | 22,073 |
| Interest paid | -1,311 | -944 | -851 | -829 | -736 | -465 | -383 | -308 | -303 | -243 | -197 | -154 |
| Other, net | 656 | -1,128 | 689 | -814 | -5,404 | -9,512 | -778 | -512 | 136 | -2,528 | -5,151 | -718 |
| Subtotal | 29,762 | 23,986 | 99,943 | 89,557 | 76,870 | 50,341 | -27,662 | 12,746 | 180,778 | 6,432 | -208,543 | 670 |
| Income taxes refund (paid) | - | - | - | - | - | - | - | - | - | - | -844 | 270 |
| Net cash provided by (used in) operating activities | 29,173 | 22,587 | 99,831 | 89,507 | 75,281 | 49,118 | -31,415 | 12,004 | 178,218 | 4,998 | -209,387 | 941 |
| Purchase of securities | -104,797 | -132,311 | -128,772 | -147,389 | -137,990 | -163,531 | -136,209 | -120,436 | -147,536 | -150,418 | -69,180 | -122,970 |
| Proceeds from sale of securities | 28,138 | 22,928 | 25,559 | 20,273 | 40,767 | 51,843 | 12,576 | 53,413 | 47,524 | 55,252 | 7,858 | 67,036 |
| Proceeds from redemption of securities | 55,227 | 95,046 | 76,500 | 87,400 | 100,746 | 112,567 | 76,550 | 131,401 | 69,591 | 85,409 | 78,158 | 65,926 |
| Purchase of property, plant and equipment | -776 | -631 | -809 | -1,648 | -1,463 | -646 | -888 | -738 | -1,248 | -598 | -1,080 | -1,358 |
| Purchase of intangible assets | -276 | -314 | -350 | -915 | -420 | -155 | -396 | -718 | -1,704 | -899 | -758 | -1,190 |
| Proceeds from sale of property, plant and equipment | 106 | - | - | - | 25 | - | 1,509 | - | 53 | 339 | 1,414 | - |
| Payments for asset retirement obligations | -2 | - | -1 | - | - | -14 | -9 | -5 | -81 | -3 | -11 | -17 |
| Decrease in money held in trust | - | - | - | - | - | - | - | 2 | 1 | 1 | 5,987 | - |
| Net cash provided by (used in) investing activities | -22,380 | -15,282 | -27,873 | -42,280 | 1,663 | -1,936 | -54,868 | 64,279 | -33,398 | -10,915 | 22,388 | 7,425 |
| Dividends paid | -1,350 | -1,337 | -1,281 | -1,250 | -1,237 | -1,572 | -1,553 | -1,669 | -1,670 | -1,298 | -1,118 | -1,119 |
| Dividends paid to non-controlling interests | - | - | -66 | - | - | - | - | - | - | - | - | - |
| Purchase of treasury shares | -257 | -4 | -3 | -2 | -1 | -7 | -22,745 | -2 | -177 | - | -1 | - |
| Proceeds from exercise of employee share options | - | - | - | - | - | - | - | - | - | - | - | - |
| Net cash provided by (used in) financing activities | -4,628 | -1,391 | -2,352 | -1,252 | -1,239 | -1,579 | -24,299 | -1,671 | -1,848 | -1,299 | -1,119 | -1,120 |
| Effect of exchange rate change on cash and cash equivalents | 36 | 30 | 30 | 15 | 20 | 17 | 9 | - | - | - | - | - |
| Net increase (decrease) in cash and cash equivalents | 2,201 | 5,945 | 69,637 | 45,990 | 75,726 | 45,620 | -110,574 | 74,613 | 142,971 | -7,215 | -188,118 | 7,246 |