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Yokohama Financial Group (7186) · RiskWorsenedLatest Earnings presentation (2026-08-14): "Mitigated"

Capital Adequacy Regulations and Capital Conservation Buffer

First written in FY2017-Q1. 13 of 23 entries say "Mitigated", first in FY2018. Latest entry: 2026-08-14.

23entries
11years
2from disclosures
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How it moved
ProgressHeldSoftenedWorseRestatedFY2017-Q1 – FY2018-Q2MitigatedFY2018 – FY2020-Q2MitigatedFY2023 – FY2026-H12016: 220162017: 220172018: 220182019: 220192020: 220202021: 220212022: 220222023: 220232024: 220242025: 220252026: 32026
Same theme, other companies
Risks related to banks’ capital adequacy regulations and compliance with international standardsA theme 17 companies write about · 16 as a headwind · 2 as a tailwind

The whole theme swung hardest in 2022: 5 of 12 companies on the "Worse" side.

7 other companies' latest entry also says "Mitigated".

Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
Showing 14 of the 17 companies compared. The sentences above are computed from all 17.
Full recordFilings, disclosures and news, newest first
  1. 2026-08-14MitigatedEarnings presentation

    「(1) Total capital ratio （4）/（7） 15.75% 0.81% 14.94% (2) Tier 1 ratio （5）/（7） 15.10% 0.63% 14.47% (3) Common Equity Tier 1 ratio （6）/（7） 15.06% 0.64% 14.42%」

    As of the end of June 2026, the consolidated total capital ratio, Tier 1 ratio and Common Equity Tier 1 ratio had all increased from the end of March 2026.
  2. FY2026WorsenedAnnual report

    「Consolidated total capital ratio (international standard)　15.67　14.94　Consolidated Tier 1 capital ratio (international standard)　15.40　14.47　Consolidated common equity Tier 1 capital ratio (international standard)　15.39　14.42」

    The capital adequacy ratio declined from the end of the previous fiscal year. The common equity Tier 1 capital ratio was 14.42%, above the target level of approximately 11% under the medium-term management plan.
  3. 2026-05-12WorsenedRevision of earnings forecasts

    「The consolidated total capital ratio under Basel III (internationally unified standards) was 14.94% on a preliminary basis. The Common Equity Tier 1 ratio was 14.42% on a preliminary basis, and the company maintained a high-quality capital structure.」

    The consolidated total capital ratio declined from 15.67% at the end of the previous fiscal year to 14.94%, while the Common Equity Tier 1 ratio declined from 15.39% to 14.42%.
  4. FY2026-H1MitigatedAnnual report

    「1　Consolidated total capital ratio (4/7) 15.43 16.06 2　Consolidated Tier 1 capital ratio (5/7) 14.96 15.78 3　Consolidated common equity Tier 1 capital ratio (6/7) 14.96 15.73」

    From the end of September 2024 to the end of September 2025, the consolidated total capital ratio rose from 15.43% to 16.06%, the Tier 1 capital ratio from 14.96% to 15.78%, and the common equity Tier 1 capital ratio from 14.96% to 15.73%.
  5. FY2025MitigatedAnnual report

    「Consolidated total capital ratio (international standard)　14.90　15.67　Consolidated Tier 1 capital ratio (international standard)　14.35　15.40　Consolidated common equity Tier 1 capital ratio (international standard)　14.35　15.39」

    From the end of March 2024 to the end of March 2025, the total capital ratio, Tier 1 capital ratio and common equity Tier 1 capital ratio all rose.
  6. FY2025-H1MitigatedAnnual report

    「1　Consolidated total capital ratio (4/7) 15.04 15.43 2　Consolidated Tier 1 capital ratio (5/7) 14.20 14.96 3　Consolidated common equity Tier 1 capital ratio (6/7) 14.20 14.96」

    From the end of September 2023 to the end of September 2024, the consolidated total capital ratio rose from 15.04% to 15.43%, while the Tier 1 capital ratio and common equity Tier 1 capital ratio rose from 14.20% to 14.96%.
  7. FY2024MitigatedAnnual report

    「Consolidated total capital ratio (international standard)　14.90　14.90　Consolidated Tier 1 capital ratio (international standard)　14.07　14.35　Consolidated common equity Tier 1 capital ratio (international standard)　14.07　14.35」

    The total capital ratio was flat at 14.90%, while the Tier 1 capital ratio and common equity Tier 1 capital ratio rose from 14.07% to 14.35%.
  8. FY2024-Q2MitigatedAnnual report

    「Consolidated total capital ratio (international standard) 12.61 15.01 Consolidated Tier 1 capital ratio (international standard) 11.67 14.17 Consolidated common equity Tier 1 capital ratio (international standard) 11.67 14.17」

    From the end of September 2022 to the end of September 2023, the consolidated total capital ratio rose from 12.61% to 15.01%, while the Tier 1 capital ratio and common equity Tier 1 capital ratio rose from 11.67% to 14.17%.
  9. FY2023MitigatedAnnual report

    「Consolidated total capital ratio (international standard)　13.04　14.68　Consolidated Tier 1 capital ratio (international standard)　12.08　13.87　Consolidated common equity Tier 1 capital ratio (international standard)　12.07　13.86」

    Capital adequacy ratios under the international standard rose from the end of the previous fiscal year, with the common equity Tier 1 capital ratio increasing from 12.07% to 13.86%. Basel III finalization has applied since the end of March 2023.
  10. FY2023-Q2WorsenedAnnual report

    「1　Consolidated total capital ratio (4/7)　13.83　12.61　2　Consolidated Tier 1 capital ratio (5/7)　12.61　11.67　3　Consolidated common equity Tier 1 capital ratio (6/7)　12.61　11.67」

    From the end of September 2021 to the end of September 2022, the consolidated total capital ratio declined from 13.83% to 12.61%, while the Tier 1 capital ratio and common equity Tier 1 capital ratio declined from 12.61% to 11.67%.
  11. FY2022WorsenedAnnual report

    「Consolidated common equity Tier 1 capital ratio (international standard)　12.40　12.09」

    The common equity Tier 1 capital ratio declined from 12.40% to 12.09%. However, it was disclosed as remaining above the mid-11% range targeted for fiscal 2024 under the new medium-term management plan.
  12. FY2022-Q2MitigatedAnnual report

    「1　Consolidated total capital ratio (4/7) 13.47 13.87 2　Consolidated Tier 1 capital ratio (5/7) 12.26 12.64 3　Consolidated common equity Tier 1 capital ratio (6/7) 12.26 12.64」

    As of the end of September 2021, the consolidated total capital ratio, Tier 1 capital ratio and common equity Tier 1 capital ratio rose from 13.47%, 12.26% and 12.26%, respectively, in the same period of the previous year to 13.87%, 12.64% and 12.64%.
  13. FY2021MitigatedAnnual report

    「1　Consolidated total capital ratio (4/7)　13.28　13.66　2　Consolidated Tier 1 capital ratio (5/7)　12.27　12.40　3　Consolidated common equity Tier 1 capital ratio (6/7)　12.27　12.40」

    As of the end of March 2021, each capital adequacy ratio under the international standard rose year on year, with the common equity Tier 1 capital ratio reaching 12.40%. The ratio also remained above the capital conservation buffer.
  14. FY2021-Q2WorsenedAnnual report

    「Consolidated total capital ratio (international standard) 13.97 13.47 Consolidated Tier 1 capital ratio (international standard) 13.09 12.26 Consolidated common equity Tier 1 capital ratio (international standard) 13.09 12.26」

    As of the end of September 2020, the consolidated total capital ratio, Tier 1 capital ratio and common equity Tier 1 capital ratio all declined year on year.
  15. FY2020WorsenedAnnual report

    「Consolidated common equity Tier 1 capital ratio (international standard)　13.00　12.27」

    The common equity Tier 1 capital ratio declined from 13.00% at the end of March 2019 to 12.27% at the end of March 2020. However, the text explains that a sufficient level of capital was maintained to prepare for future risks.
  16. FY2020-Q2MitigatedAnnual report

    「1　Consolidated total capital ratio (4/7)　13.49　13.97　2　Consolidated Tier 1 capital ratio (5/7)　12.99　13.09　3　Consolidated common equity Tier 1 capital ratio (6/7)　12.99　13.09」

    As of the end of September 2019, the consolidated total capital ratio, Tier 1 capital ratio and common equity Tier 1 capital ratio rose year on year, improving the key ratios indicating capital strength.
  17. FY2019MitigatedAnnual report

    「Consolidated common equity Tier 1 capital ratio (international standard)　12.47　13.00」

    The common equity Tier 1 capital ratio rose from 12.47% at the end of March 2018 to 13.00% at the end of March 2019, remaining above the capital conservation buffer.
  18. FY2019-Q2MitigatedAnnual report

    「Consolidated total capital ratio (international standard)　12.16　13.49　Consolidated Tier 1 capital ratio (international standard)　11.75　12.99　Consolidated common equity Tier 1 capital ratio (international standard)　11.75　12.99」

    As of the end of September 2018, the consolidated total capital ratio, Tier 1 capital ratio and common equity Tier 1 capital ratio rose from 12.16%, 11.75% and 11.75%, respectively, in the same period of the previous year to 13.49%, 12.99% and 12.99%.
  19. FY2018MitigatedAnnual report

    「Consolidated total capital ratio (international standard)　11.52　12.97　Consolidated Tier 1 capital ratio (international standard)　11.14　12.48　Consolidated common equity Tier 1 capital ratio (international standard)　11.14　12.47」

    It was reconfirmed that each capital adequacy ratio under the international standard had risen from the end of the previous fiscal year and exceeded the capital conservation buffer.
  20. FY2018-Q2RestatedAnnual report

    「Consolidated total capital ratio (international standard)　12.16　Consolidated Tier 1 capital ratio (international standard)　11.75　Consolidated common equity Tier 1 capital ratio (international standard)　11.75」

    The consolidated total capital ratio, Tier 1 capital ratio and common equity Tier 1 capital ratio under the international standard as of the end of September 2017 were reported.
  21. FY2017-Q3RestatedAnnual report

    「Under the international standard, a capital conservation buffer has been required in addition to the minimum required level since the end of March 2016. The Group's capital adequacy ratio currently exceeds this buffer level, but if it falls below a certain level, distributions outside the Group, including dividends, may be restricted.」

    The fact that the capital adequacy ratio exceeds the capital conservation buffer and that distributions outside the Group may be restricted if the ratio falls below the standard was reiterated.
  22. FY2017-Q2RestatedAnnual report

    「Under the international standard, a capital conservation buffer has been required in addition to the minimum required level since the end of March 2016. The Group's capital adequacy ratio currently exceeds this buffer level, but if it falls below a certain level, distributions outside the Group, including dividends, may be restricted.」

    In addition to capital adequacy regulations, the capital conservation buffer and the possibility of restrictions on distributions outside the Group were described in detail.
  23. FY2017-Q1First statedAnnual report

    「Because the Group has overseas business locations, it is required to maintain a consolidated capital adequacy ratio above the required level under the international standard prescribed in Financial Services Agency Public Notice No. 20 of 2006.」

    It was noted that regulatory changes and fluctuations in capital, securities valuations and risk-weighted assets could affect the capital adequacy ratio.
Moved together

"Strengthening lending to local small and medium-sized enterprises and individuals" moved the same way as this thread, in the same document, in 11 of its 23 moves.

111110986★123456
  1. ★This thread
  2. 1Strengthening lending to local small and medium-sized enterprises and individuals11×
  3. 2Maximizing Corporate Value through Improved Management Efficiency, Profitability and Shareholder Returns11×
  4. 3Share repurchases10×
  5. 4Increase in Nonperforming Loans and Credit-Related Expenses Due to Economic and Financial Conditions and Borrower Conditions9×
  6. 5The Bank of Yokohama’s launch of trust business within the bank itself8×
  7. 6Relative concentration of lending to the real estate sector6×

★ is this thread; numbers match the list above. The number on a line is how many documents both moved the same way in; lines between the other threads count the documents they moved together in too. Threads that move together often sit closer.

When this could move next
No upcoming earnings preview for Yokohama Financial Group yet. It last moved in the Earnings presentation of 2026-08-14: "Mitigated".
News
No news is linked to this thread yet. When an article touches it, it will appear here by date.
Capital Adequacy Regulations and Capital Conservation Buffer | Yokohama Financial Group,Inc. (7186) | Komori