Maintaining a High Capital Adequacy Ratio
First written in FY2016. 24 of 37 entries say "Worsened", first in FY2017. Latest entry: 2026-08-07.
Japan Post Bank moved to the "Worse" side of this theme in 2017, 1 year before the typical company in this theme (2018).
The whole theme swung hardest in 2017: 10 of 42 companies on the "Worse" side.
4 other companies' latest entry also says "Advanced".
- 2026-08-07AdvancedEarnings presentation materials
「2026年6月末の自己資本比率（国内基準）は15.15%」
自己資本比率は2026年3月末の14.93％から15.15％へ上昇し、規制水準を上回る状態を維持した。 - FY2026Decline in the equity ratio and disclosure of the fully phased-in CET1 ratioAnnual report
「As of 31 March 2026, the Bank's consolidated capital adequacy ratio, reflecting the finalization of Basel III, was 14.93%, maintaining a level well above the regulatory ratio.」
The consolidated capital adequacy ratio declined from 15.08% to 14.93%, but remained above the regulatory ratio. The fully phased-in CET1 ratio was disclosed at 9.85%. - FY2026-H1AdvancedAnnual report
「30 September 2025 1. Consolidated capital adequacy ratio (2/3) 15.67」
The consolidated capital adequacy ratio rose from 15.08% at the end of March 2025 to 15.67%, maintaining a level above the regulatory ratio. - FY2025RestatedAnnual report
「As of 31 March 2025, the Bank's consolidated capital adequacy ratio, reflecting the finalization of Basel III, was 15.08%, maintaining a level well above the regulatory ratio.」
The Bank maintained a consolidated capital adequacy ratio of 15.08%, above the regulatory ratio, even after reflecting the finalization of Basel III. - FY2025-H1Increase in the interim equity ratioAnnual report
「Consolidated capital adequacy ratio (domestic standards) 30 September 2024 1. Consolidated capital adequacy ratio (2/3) 15.08」
The consolidated capital adequacy ratio rose from 15.01% at the end of March 2024 to 15.08% at the end of September 2024. The Bank maintained a level above the regulatory ratio. - FY2024WorsenedAnnual report
「As of 31 March 2024, the Bank's consolidated capital adequacy ratio was 15.01%, maintaining a level well above the regulatory ratio, although the capital adequacy ratio has been trending downward due to the increasing sophistication and diversification of its investment operations.」
The consolidated capital adequacy ratio declined from 15.53% at the end of the previous fiscal year to 15.01%. The CET1 ratio also declined from 14.01% to 13.23%. - FY2024-Q3WorsenedAnnual report
「Equity ratio % 4.05 4.16 4.18」
The equity ratio among the key management indicators was 4.05%, below 4.16% in the same period of the previous year and 4.18% at the end of the previous fiscal year. - FY2024-Q2WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standards) 30 September 2023 1. Consolidated capital adequacy ratio (2/3) 15.30」
The consolidated capital adequacy ratio was 15.30%, down from 15.53% at the end of March 2023. Although it remained above the regulatory ratio, the downward trend continued. - FY2023WorsenedAnnual report
「As of 31 March 2023, the Bank's consolidated capital adequacy ratio was 15.53%, maintaining a level well above the regulatory ratio, although the capital adequacy ratio has been trending downward due to the increasing sophistication and diversification of its investment operations.」
The consolidated capital adequacy ratio declined slightly from 15.56% at the end of the previous fiscal year to 15.53%, and the Bank continued to explain the downward trend associated with the increasing sophistication and diversification of its investment operations. - FY2023-Q3WorsenedAnnual report
「Equity ratio % 4.91 4.05 4.40」
The equity ratio among the key management indicators was 4.05%, below 4.91% in the same period of the previous year and 4.40% at the end of the previous fiscal year. - FY2023-Q2WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standards) 30 September 2022 1. Consolidated capital adequacy ratio (2/3) 15.29」
The consolidated capital adequacy ratio was 15.29%, down from 15.56% at the end of March 2022. The equity ratio among the key management indicators was also 4.16%, below 4.40% at the end of the previous fiscal year. - FY2023-Q1WorsenedAnnual report
「Equity ratio % 5.02 4.23 4.40」
The equity ratio among the key management indicators was 4.23%, below 5.02% in the same period of the previous year and 4.40% at the end of the previous fiscal year. - FY2022WorsenedAnnual report
「As of 31 March 2022, the Bank's consolidated capital adequacy ratio was 15.56%, maintaining a level well above the regulatory ratio, although the capital adequacy ratio has been trending downward due to the increasing sophistication and diversification of its investment operations.」
The consolidated capital adequacy ratio under the Banking Act was 15.56%, up from 15.53% at the end of the previous fiscal year, while the equity ratio among the key management indicators was 4.40%, down from 5.07% at the end of the previous fiscal year. - FY2022-Q3WorsenedAnnual report
「Equity ratio % 5.13 4.91 5.07」
The equity ratio among the key management indicators was 4.91%, below 5.13% in the same period of the previous year and 5.07% at the end of the previous fiscal year. - FY2022-Q2Changes between equity ratio indicatorsAnnual report
「Equity ratio % 5.46 4.97 5.03」
The equity ratio among the key management indicators was 5.03%, below 5.07% at the end of the previous fiscal year. Meanwhile, the consolidated capital adequacy ratio under the Banking Act was 15.79% at the end of September 2021. - FY2022-Q1WorsenedAnnual report
「Equity ratio % 4.83 5.02 5.07」
The equity ratio among the key management indicators was 5.02%, down from 5.07% at the end of the previous fiscal year. The Bank also continued to explain that its consolidated capital adequacy ratio of 15.53% was trending downward due to the increasing sophistication and diversification of its investment operations. - FY2021WorsenedAnnual report
「As of 31 March 2021, the Bank's consolidated capital adequacy ratio was 15.53%, maintaining a level well above the regulatory ratio, although the capital adequacy ratio has been trending downward due to the increasing sophistication and diversification of its investment operations.」
The consolidated capital adequacy ratio declined from 15.58% at the end of the previous fiscal year to 15.53%, and the Bank continued to explain the downward trend associated with the increasing sophistication and diversification of its investment operations. - FY2021-Q3Continued quarterly increase in the equity ratioAnnual report
「Equity ratio % 5.31 5.13 4.26」
The equity ratio among the key management indicators was 5.13%, below 5.31% in the same period of the previous year but above 4.26% at the end of the previous consolidated fiscal year. - FY2021-Q2Quarterly increase in the equity ratioAnnual report
「Consolidated capital adequacy ratio (domestic standards) 30 September 2020 1. Consolidated capital adequacy ratio (2/3) 15.75」
The consolidated capital adequacy ratio rose to 15.75%, up from 15.58% at the end of the previous fiscal year and 15.74% at the end of the previous quarter. The equity ratio among the key management indicators was 4.97%. - FY2021-Q1WorsenedAnnual report
「Equity ratio % 5.39 4.83 4.26」
The equity ratio was 4.83% in the first quarter of fiscal 2020, down from 5.39% in the same period of the previous year. It was, however, up from 4.26% at the end of the previous consolidated fiscal year. - FY2020WorsenedAnnual report
「As of 31 March 2020, the Bank's consolidated capital adequacy ratio was 15.58%, maintaining a level well above the regulatory ratio, although the capital adequacy ratio has been trending downward due to the increasing sophistication and diversification of its investment operations.」
The consolidated capital adequacy ratio declined from 15.80% at the end of the previous fiscal year to 15.58%, and the Bank continued to explain the downward trend associated with the increasing sophistication and diversification of its investment operations. - FY2020-Q3Quarterly changes in the equity ratioAnnual report
「Equity ratio % 5.11 5.31 5.43」
The equity ratio among the key management indicators was 5.31%. It exceeded 5.11% in the same period of the previous year but was down from 5.43% at the end of the previous consolidated fiscal year. - FY2020-Q2WorsenedAnnual report
「As of 31 March 2019, the Bank's consolidated capital adequacy ratio was 15.80%, maintaining a level well above the regulatory ratio, although the capital adequacy ratio has been trending downward due to the increasing sophistication and diversification of its investment operations. In addition, the Bank's capital adequacy ratio could decline, or it could become necessary to respond to new regulations, due to fluctuations in its business performance, financial position and investment portfolio, changes in the ratio calculation method, and the introduction or amendment of regulations following discussions by the Basel Committee on Banking Supervision, including revisions to the standardized approach for credit risk.」
As of the end of September 2019, the consolidated capital adequacy ratio was 15.74% and the standalone ratio was 15.71%, both down from the end of the previous fiscal year. The document also states that the maximum ΔEVE exceeded 20% of capital, raising the possibility of in-depth dialogue with the Financial Services Agency and remedial action. - FY2020-Q1WorsenedAnnual report
「Equity ratio % 5.43 5.39 5.43」
The equity ratio among the key management indicators was 5.39%, down from 5.43% in the same period of the previous year. - FY2019WorsenedAnnual report
「As of 31 March 2019, the Bank's consolidated capital adequacy ratio was 15.80%, maintaining a level well above the regulatory ratio, although the capital adequacy ratio has been trending downward due to the increasing sophistication and diversification of its investment operations.」
The Bank continued to explain that its consolidated capital adequacy ratio of 15.80% was above the regulatory ratio, while trending downward due to the increasing sophistication and diversification of its investment operations. - FY2019-Q3WorsenedAnnual report
「Equity ratio % 5.63 5.11 5.46」
The equity ratio among the key management indicators was 5.11%, down from 5.46% at the end of the previous consolidated fiscal year. - FY2019-Q2WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standards) (Unit: ¥100 million, %) 30 September 2018 1. Consolidated capital adequacy ratio (2/3) 15.46」
The consolidated capital adequacy ratio was 15.46%, down from 17.43% at the end of the previous fiscal year. The standalone capital adequacy ratio was also 15.44%. - FY2019-Q1WorsenedAnnual report
「Equity ratio % 5.57 5.43 5.46」
The equity ratio was 5.43%, below 5.57% in the first quarter of the previous fiscal year and 5.46% at the end of the previous consolidated fiscal year. - FY2018WorsenedAnnual report
「As of 31 March 2018, the Bank's consolidated capital adequacy ratio was 17.43%, maintaining a level well above the regulatory ratio, although the capital adequacy ratio has been trending downward due to the increasing sophistication and diversification of its investment operations.」
The consolidated capital adequacy ratio was 17.43%, and the Bank explained that the downward trend from the previously disclosed standalone ratio and other ratios was continuing. - FY2018-Q2WorsenedAnnual report
「Standalone capital adequacy ratio (domestic standards) (Unit: ¥100 million, %) 30 September 2017 1. Capital adequacy ratio (2/3) 19.64」
The standalone capital adequacy ratio under domestic standards was 19.64%, down from the previously disclosed figures of 23.15% and 22.22%. - FY2018-Q1WorsenedAnnual report
「Equity ratio % 5.54 5.57 5.62」
The equity ratio among the key management indicators was 5.54%, down from 5.62% at the end of March 2017. A note explains that the ratio is calculated by dividing net assets at the end of the period by assets at the end of the period. - FY2017WorsenedAnnual report
「As of 31 March 2017, the Bank's standalone capital adequacy ratio was 22.22%, maintaining a level well above the regulatory ratio, although the capital adequacy ratio has been trending downward due to the increasing sophistication and diversification of its investment operations.」
The Bank stated that it had maintained a capital adequacy ratio of 22.22%, above the regulatory ratio, while the ratio was trending downward due to the increasing sophistication and diversification of its investment operations. - FY2017-Q3RestatedAnnual report
「Equity ratio % 5.40 5.57 5.55」
Among its key management indicators, the Bank disclosed an equity ratio of 5.57% for the cumulative first three quarters of fiscal 2016. A note in the main text explains that the ratio is calculated by dividing total net assets by total assets, as no stock acquisition rights existed. - FY2017-Q2RestatedAnnual report
「Standalone capital adequacy ratio (domestic standards) 30 September 2016 1. Capital adequacy ratio (2/3) 23.15」
The Bank disclosed a standalone capital adequacy ratio of 23.15% as of 30 September 2016. - FY2016First statedAnnual report
「As of 31 March 2016, the Bank's standalone capital adequacy ratio was 26.38%, maintaining a level well above the regulatory ratio.」
The Bank disclosed a standalone capital adequacy ratio of 26.38%, compared with a regulatory ratio of 4% or higher.