Capital Adequacy Regulations and Risk of Declining Capital Adequacy
First written in FY2023-Q3. 3 of 9 entries say "Worsened", first in FY2024-Q2. Latest entry: 2026-08-12.
The whole theme swung hardest in 2022: 5 of 12 companies on the "Worse" side.
7 other companies' latest entry also says "Mitigated".
- 2026-08-12MitigatedEarnings presentation materials
「(1) Consolidated total capital ratio ((4)/(7)) 17.13% 1.60% 15.53%」
The consolidated total capital ratio rose from 15.53% at the end of March 2026 to 17.13% at the end of June 2026, while the consolidated total required capital amount declined from ¥411.0 billion to ¥399.1 billion. The position regarding capital adequacy regulation and the risk of deterioration in capital adequacy improved. - FY2026RestatedAnnual report
「1. Consolidated total capital ratio (4/7) 15.53 2. Consolidated Tier 1 ratio (5/7) 15.52 3. Consolidated Common Equity Tier 1 ratio (6/7) 15.52」
The capital adequacy ratio declined from 15.68% at the previous fiscal year-end to 15.53%, but remained above the internationally harmonized standards relative to consolidated total required capital of ¥411.0 billion. - 2026-05-08MitigatedEarnings
「The consolidated total capital ratio under Basel III (internationally harmonised standards) is 15.53%, comfortably above the required capital ratio.」
The consolidated total capital ratio rose from 14.80% at the end of the previous fiscal year to 15.53%, indicating a level above the required capital amount. - FY2026-H1WorsenedAnnual report
「1. Consolidated total capital ratio (4/7) 15.54 2. Consolidated Tier 1 ratio (5/7) 15.54 3. Consolidated Common Equity Tier 1 ratio (6/7) 15.54」
The consolidated total capital ratio was 15.54% at the end of September 2025, down from 15.68% at the end of March 2025. Consolidated total required capital was disclosed at ¥403.9 billion. - FY2025-H1WorsenedAnnual report
「1. Consolidated total capital ratio (4/7) 15.68 2. Consolidated Tier 1 ratio (5/7) 15.68 3. Consolidated Common Equity Tier 1 ratio (6/7) 15.68」
The consolidated total capital ratio was 15.68% at the end of September 2024, down from 16.05% at the end of March 2024. The Group disclosed capital at a level exceeding its consolidated total required capital of ¥41.0 billion. - FY2024AdvancedAnnual report
「The consolidated total capital ratio was 16.05%, the consolidated Tier 1 ratio was 16.05%, and the consolidated Common Equity Tier 1 ratio was 16.04%.」
At the end of March 2024, after the start of the implementation of the finalized Basel III standards, the capital adequacy ratio rose from 15.01% in the previous fiscal year and was disclosed at a level well above the required ratio. - FY2024-Q2WorsenedAnnual report
「1. Consolidated total capital ratio (4/7) 14.78 2. Consolidated Tier 1 ratio (5/7) 14.78 3. Consolidated Common Equity Tier 1 ratio (6/7) 14.78」
The consolidated total capital ratio declined by 0.23 percentage points from 15.01% at the end of March 2023 to 14.78%. The Tier 1 ratio and Common Equity Tier 1 ratio were also disclosed at 14.78%. - FY2023AdvancedAnnual report
「The consolidated total capital ratio increased by 0.69 percentage points from the previous fiscal year-end to 15.01%, mainly because retained earnings and valuation gains on securities increased. It remains well above the minimum required capital ratio.」
The consolidated total capital ratio rose from 14.32% to 15.01%, while the Common Equity Tier 1 ratio was also 15.00%. - FY2023-Q3First statedAnnual report
「Because the Group has operating bases overseas, it must maintain its capital adequacy ratios and other measures above the internationally harmonized standards under the capital adequacy and leverage ratio regulations prescribed by the Banking Act.」
The Group anticipates a decline in its capital adequacy ratio due to factors including the disposal of non-performing loans, a decline in valuation gains on securities, and an increase in required capital.