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Overview

THE HOWA BANK,LTD.

The Howa Bank is a regional bank headquartered in Oita City, Oita Prefecture, providing core banking services including deposit-taking, lending, and domestic/foreign exchange. The bank also offers a broad range of financial services through its branch network, including securities brokerage, investment trust sales, and insurance product distribution. The bank operates as a single reportable segment (banking business) and serves retail and corporate clients primarily in the Oita region.

Market Cap

¥—B

US$1 = ¥156.80 (2026-10-23)

ROE

3.9%

* LTM NI / end-of-period equity

PBR

—

No price data

Stock data unavailable

This company is listed on a regional exchange (Nagoya/Fukuoka/Sapporo) and is not distributed via J-Quants (JPX). Stock price, market cap, and EV-based multiples are not available. Financial data from public filings (P&L, BS, directors, etc.) remains accurate for analysis.

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Performance & Balance

Revenue 5Y (¥B)

Net Income 5Y (¥B)

Capital Structure

100%

EquityD/E 0.00xDebt

Liquidity vs Debt 5Y (¥B)▲ Net Cash

CashInv. Sec.Debt

Shareholders

Top 10 hold 52.4%

as of 2026-03-31 · Source: Annual Securities Report

The Nishi-Nippon City Bank, Ltd.

29.15%

The Resolution and Collection Corporation

8.33%

THE HOWA BANK,LTD. Employee Stock Ownership Association

3.44%

Daiwa Securities Co. Ltd.

2.44%

Kyushu Sogo Shinyo Co., Ltd.

2.03%

Kenichi NAGANO

1.59%

The Bank of Fukuoka, Ltd.

1.48%

The Minami-Nippon Bank,Ltd.

1.34%

The Miyazaki Taiyo Bank,Ltd.

1.33%

Custody Bank of Japan, Ltd. (Trust Account)

1.27%

Management

12 officers

Jun GONDO

Representative Director, President

May 2009 Joined the Bank Jun 2009 Representative Director, Senior Managing Director Jun 2012 Representative Director, President (current)

1952-04-30

Gunji MAKINO

Representative Director, Senior Managing Director

Apr 1981 Joined the Bank Jun 2006 General Manager, Management Administration Department Jul 2009 Executive Officer, General Manager, Management Administration Department Jun 2010 Director Jun 2015 Managing Director Jun 2022 Representative Director, Senior Managing Director (current)

1959-02-14

Yasushi WATANABE

Managing Director, General Manager, Operations Department

Apr 1984 Joined the Bank Jun 2006 General Manager, Human Resources Department Apr 2009 General Manager, Beppu Branch Apr 2010 Deputy General Manager, Internal Audit Department Jun 2010 General Manager, Internal Audit Department Apr 2012 General Manager, Operations Department Jun 2012 Executive Officer, General Manager, Operations Department Jun 2015 Director Jun 2019 Managing Director Jun 2026 Senior Managing Director (current)

1959-03-22

Masahiro SATO

Director

Apr 1987 Joined the Bank Oct 2007 General Manager, Hiji Branch Oct 2009 General Manager, Tsurusaki Branch Apr 2012 General Manager, Fukuoka Branch Dec 2014 General Manager, Beppu Branch Jun 2015 Executive Officer, General Manager, Beppu Branch Jun 2016 Executive Officer, General Manager, Head Office Sales Department Jul 2018 Senior Executive Officer, General Manager, Head Office Sales Department Jun 2019 Director Jun 2026 Managing Director (current)

1964-02-19

Norio HAMANO

Director

Apr 1987 Joined the Bank Apr 2009 General Manager, Operations Department Apr 2012 Department Manager in charge, Management Administration Department Jun 2014 General Manager, Corporate Planning Department Jun 2017 Executive Officer, General Manager, Corporate Planning Department Jul 2020 Senior Executive Officer, General Manager, Corporate Planning Department Oct 2020 Senior Executive Officer, General Manager, Corporate Planning Department and Head of IT Strategy Office Jun 2022 Director Jun 2026 Managing Director (current)

1965-03-04

Naotake SATO

Director, General Manager, Loan Department

Apr 1990 Joined the Bank Apr 2010 General Manager, Shin-Beppu Branch Apr 2016 General Manager, Loan Department and Head of Corporate Support Office, Loan Department Jul 2020 Executive Officer, General Manager, Loan Department and Head of Corporate Support Office, Loan Department Apr 2022 Executive Officer, General Manager, Loan Department Jun 2023 Director (current)

1966-12-21

Yuichi MIYAHARA

Director, General Manager, Human Resources Department

Apr 1988 Joined the Bank Jan 2008 General Manager, Kusu Branch Oct 2010 General Manager, Akeno Branch Apr 2012 General Manager, Secretarial Office Oct 2017 General Manager, Saiki Branch Jul 2020 Executive Officer, Department Manager in charge, Human Resources Department Feb 2022 Executive Officer, General Manager, Human Resources Department and Head of Human Resources Development Office Jul 2023 Senior Executive Officer, General Manager, Human Resources Department Jun 2025 Director (current)

1965-02-28

Kenichiro AKAMATSU

Director

Apr 1975 Joined Sanwa Shurui Co., Ltd. Sep 1985 Director, Sanwa Shurui Co., Ltd. Aug 1987 Representative Director, General Manager, Sales Department, Sanwa Shurui Co., Ltd. Sep 1989 Representative Director, Managing Director, Sanwa Shurui Co., Ltd. Oct 1997 Representative Director, Senior Managing Director, Sanwa Shurui Co., Ltd. Oct 2003 Representative Director, Vice President, Sanwa Shurui Co., Ltd. Oct 2005 Representative Director, President, Sanwa Shurui Co., Ltd. Oct 2006 Appointed Member, Management Evaluation Committee of the Bank Oct 2009 Representative Director, Chairman, Sanwa Shurui Co., Ltd. Jun 2016 Director of the Bank (current) Oct 2019 Advisor, Sanwa Shurui Co., Ltd. (current)

1949-05-27

Hiroko WATANABE

Director

Apr 2015 Professor, Faculty of Contemporary Policy Studies, Josai University Apr 2017 Professor, Faculty of Economics, Oita University Jun 2019 Director of the Bank (current) Oct 2025 Executive Director and Vice President, Oita University (current)

1965-08-28

Shigeki KAJIWARA

Director, Audit and Supervisory Committee Member

Apr 1989 Joined the Bank Apr 2008 General Manager, Kitakyushu Branch Oct 2010 General Manager, Kenchomae Branch Apr 2013 General Manager, Saiki Branch Jun 2014 General Manager, Tsurusaki Branch Jun 2016 General Manager, Beppu Branch Jul 2018 Executive Officer, General Manager, Beppu Branch Jul 2020 Executive Officer, General Manager, Internal Audit Department Jul 2022 Senior Executive Officer, General Manager, Internal Audit Department Jun 2025 Director, Audit and Supervisory Committee Member (current)

1965-01-17

Tetsuro KONO

Director, Audit and Supervisory Committee Member

Apr 2019 Director-General, Western Oita Regional Promotion Bureau, Oita Prefectural Government Apr 2021 Executive Director and Senior Advisor, Commerce, Tourism and Labor Department, Oita Prefectural Government Apr 2022 Secretary General, Audit Committee Secretariat, Oita Prefectural Government Jun 2023 Director, Audit and Supervisory Committee Member of the Bank (current)

1963-02-23

Masao HATANO

Director, Audit and Supervisory Committee Member

Jan 2000 Joined Hatano Accounting Office Mar 2004 Registered to Practice as a Certified Tax Accountant Jun 2023 Director, Audit and Supervisory Committee Member of the Bank (current)

1973-01-23

Large Shareholding Reports

SBI SECURITIES Co., Ltd.

2026-08-06

5.29%

Resolution and Collection Corporation

2025-09-18

7.80%→7.80%

Annual report (as of 2026-03-31): 8.33%

Resolution and Collection Corporation

2025-08-05

14.10%→7.80%

Annual report (as of 2026-03-31): 8.33%

Disclosures

No disclosures

Primary Source Filings

TDnet

2026-08-07

Q1 Earnings Flash

FY ending Mar 2027

THE HOWA BANK,LTD.

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THE HOWA BANK,LTD.

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