KPI Targets Following Repayment of Public Funds, Including ROE of 9% or Higher and a Long-Term Target of 10%
First written in FY2017-Q2. 5 of 13 entries say "Reframed", first in FY2019. Latest entry: 2026-08-18.
Aozora Bank moved to the "Worse" side of this theme in 2019.
0 other companies' latest entry also says "Restated".
- FY2026AdvancedAnnual report
「The consolidated capital adequacy ratio of the Group as of the end of March 2026, on a Basel III finalization basis, was 10.87%, and the Group is maintaining a sufficient level of capital adequacy under applicable regulations.」
The company disclosed a consolidated capital adequacy ratio of 10.87% on a Basel III finalization basis and stated that it was maintaining a sufficient level under applicable regulations. - FY2026-H1Capital adequacy ratio: 5.7%Annual report
「Capital adequacy ratio % 5.5 5.9 5.7 5.0 5.8」
The consolidated capital adequacy ratio was 5.7% in the interim period of FY2025, down from 5.9% in the same period of the previous fiscal year and 5.8% at the end of the previous fiscal year. - FY2025ReframedAnnual report
「Although the Bank applies domestic standards, its AOZORA2027 medium-term management plan establishes the CET1 ratio (Common Equity Tier 1 ratio) under internationally harmonized standards as an important management indicator.」
In addition to the previous capital adequacy ratio targets, AOZORA2027 sets out a policy of treating the CET1 ratio under internationally harmonized standards as an important indicator. - FY2025-H1Capital adequacy ratio: 5.9%Annual report
「Capital adequacy ratio % 6.2 5.5 5.9 6.1 5.0」
The capital adequacy ratio for the interim consolidated accounting period was 5.9%. Although this was an improvement from 5.0% at the end of the previous fiscal year, it remained below the previously stated target levels of 9% and 7%. - FY2024-Q3ReframedAnnual report
「For the capital adequacy ratio, which is expected to temporarily decline as of the end of March 2024, we plan to achieve a consolidated capital adequacy ratio under domestic standards of 9% and a CET1 ratio above 7% as of the end of March 2025, through capital accumulation accompanying improved earnings in the next fiscal year and other measures.」
The previous medium-term KPI disclosure was made more specific by setting a plan to achieve a consolidated capital adequacy ratio above 9% and a CET1 ratio above 7% as of the end of March 2025. The ratios are expected to temporarily fall below the target levels as of the end of March 2024. - FY2021ReframedAnnual report
「Key performance indicators (KPIs): Medium-term targets (FY2020–FY2022); expense ratio (OHR) in the low 50% range, business net profit ROA of approximately 1%, and ROE of at least 8%」
The KPIs were reorganized from the previous medium-term KPIs to the AOZORA2022 KPIs, and the target levels for OHR, business net profit ROA and ROE were changed. - FY2019ReframedAnnual report
「Key performance indicators (KPIs): 2018–2020 (medium-term targets); NIM of approximately 1.2%, non-interest income ratio of approximately 45%–55%, expense ratio (OHR) of approximately 50%, ROE of approximately 9%, and ROA of approximately 0.8%」
The previous KPI disclosures after repayment of public funds were reorganized as the KPIs for the 2018–2020 medium-term management plan. - FY2017-Q3DroppedAnnual report
「During the nine-month period of the current consolidated fiscal year, there were no material changes to the issues that the Bank must address as described in the securities report for the previous consolidated fiscal year.」
The main text for the current quarter does not specifically reiterate the KPI targets and ROE targets after repayment of public funds. - FY2017-Q2First statedAnnual report
「Even after repaying the public funds, we have established the following key performance indicator (KPI) targets and will continue to manage the Bank with discipline in order to achieve stable, sustainable growth while maintaining efficiency, one of our strengths. We are targeting ROE of at least 9% over the medium term, and aim for 10% over the long term.」
KPI targets include a funding gross margin of 1.20%, a non-interest income ratio of 40–50%, an OHR of 45% or less, a credit cost ratio of 0.10–0.20%, ROE of at least 9%, ROA of 0.8%, and a minimum capital adequacy ratio of 10%.