The Howa Bank, Ltd. provides various banking products and services to individuals and businesses in Japan. It offers saving and fixed deposits, and current accounts; housing, renovation, auto, card, and education loans; business loans and collateral loans; and internet banking services. The company also provides government bonds, overdrafts, investment trust products, and safe deposit boxes; and personal pension, whole life, medical, endowment, term, income security, educational, cancer, disease protection, long term care, and fire insurance products. In addition, it offers collateral management support services for businesses; business succession plans; payment collection services; and funding services for new businesses. The company was founded in 1949 and is headquartered in Oita, Japan.