The Howa 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 2013	FY 2012	FY 2011	FY 2010	FY 2009	2008 - 2004
Period Ending	Dec '25 Dec 4, 2025	Mar '13 Mar 31, 2013	Mar '12 Mar 31, 2012	Mar '11 Mar 31, 2011	Mar '10 Mar 31, 2010	Mar '09 Mar 31, 2009	2008 - 2004
Market Capitalization	3,204	5,913	7,635	6,099	6,515	7,287	Upgrade
Market Cap Growth	18.04%	-22.55%	25.18%	-6.39%	-10.59%	-23.16%	Upgrade
Last Close Price	543.00	831.96	1062.81	840.52	889.55	985.64	Upgrade
PE Ratio	19.26	16.52	6.68	10.13	-	72.87	Upgrade
PS Ratio	0.39	0.74	0.83	0.70	0.70	0.68	Upgrade
PB Ratio	0.16	0.30	0.41	0.36	0.40	0.58	Upgrade
P/FCF Ratio	-	-	-	-	-	1.64	Upgrade
P/OCF Ratio	-	-	-	-	-	1.61	Upgrade
Debt / Equity Ratio	0.77	0.69	0.60	0.56	0.45	0.59	Upgrade
Debt / FCF Ratio	-	-	-	-	-	1.65	Upgrade
Return on Equity (ROE)	4.62%	3.35%	8.37%	5.97%	2.71%	0.78%	Upgrade
Return on Assets (ROA)	0.16%	0.12%	0.29%	0.21%	0.08%	0.02%	Upgrade
Earnings Yield	15.26%	12.48%	19.96%	16.22%	5.85%	1.37%	Upgrade
FCF Yield	-	-79.48%	-7.99%	-325.76%	-8.32%	60.97%	Upgrade
Dividend Yield	1.85%	1.20%	0.94%	1.19%	1.12%	-	Upgrade
Payout Ratio	-	59.48%	29.13%	46.61%	-	-	Upgrade
Buyback Yield / Dilution	3.50%	1.46%	-3.80%	-289.12%	72.16%	-4.77%	Upgrade
Total Shareholder Return	5.36%	2.66%	-2.86%	-287.93%	73.28%	-4.77%	Upgrade

Source: S&P Capital IQ. Banks template. Financial Sources.