Risk of a Decline in the Capital Adequacy Ratio
First written in FY2016. 13 of 34 entries say "Restated". Latest entry: 2026-08-19.
The Akita Bank moved to the "Worse" side of this theme in 2022, 4 years after the typical company in this theme (2018).
The whole theme swung hardest in 2017: 9 of 38 companies on the "Worse" side.
23 other companies' latest entry also says "Mitigated".
- 2026-08-19MitigatedFinancial results presentation
「自 己 資 本 比 率 (A)=(B)/(C) 11.51％ 0.25％ 11.26％」
連結自己資本比率は2026年3月末の11.26％から2026年6月末の11.51％へ0.25ポイント上昇し、前年度末からの低下が四半期末時点で緩和した。 - FY2026WorsenedAnnual report
「Capital increased by ¥1.8 billion from the end of the previous consolidated fiscal year due to the accumulation of profits, while risk-weighted assets increased by ¥96.0 billion, mainly due to an increase in loans and other factors. As a result, the capital adequacy ratio declined by 0.71 percentage points to 11.26%.」
The consolidated capital adequacy ratio declined from 11.97% to 11.26%. However, the bank maintained a ratio of at least 4% under the domestic standard. - 2026-05-14WorsenedRevision of earnings forecasts
「Capital adequacy ratio 11.26% △0.71% 11.97%」
連結の国内基準自己資本比率は11.97％から11.26％へ低下した。 - FY2026-H1WorsenedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 11.56 / 2. Consolidated capital 1,531 / 3. Risk-weighted assets 13,241」
The consolidated capital adequacy ratio under the domestic standard declined from 11.97% at the end of March 2025 to 11.56% at the end of September 2025. However, it remains above the domestic-standard minimum. - FY2025MitigatedAnnual report
「Capital increased by ¥1.9 billion from the end of the previous consolidated fiscal year due to the accumulation of profits, while risk-weighted assets declined by ¥37.9 billion. As a result, the capital adequacy ratio rose by 0.49 percentage points to 11.97%.」
The consolidated capital adequacy ratio rose from 11.48% to 11.97%, remaining above the domestic-standard minimum of 4%. - FY2025-H1MitigatedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 11.61 / 2. Consolidated capital 1,516 / 3. Risk-weighted assets 13,052」
The consolidated capital adequacy ratio was 11.61% as of 30 September 2024, up from 11.48% at the end of March 2024. - FY2024WorsenedAnnual report
「Capital increased by ¥1.7 billion from the end of the previous consolidated fiscal year due to the accumulation of profits, while risk-weighted assets increased by ¥25.5 billion, mainly due to an increase in loans. As a result, the capital adequacy ratio declined by 0.09 percentage points to 11.48%.」
The consolidated capital adequacy ratio declined from 11.57% to 11.48%. However, the bank maintained both the domestic-standard minimum of 4% and the medium-term plan target of 10% or higher. - FY2024-Q2MitigatedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 11.70 / 2. Consolidated capital 1,495 / 3. Risk-weighted assets 12,784」
The consolidated capital adequacy ratio was 11.70% at the end of September 2023, up from 11.57% at the end of March 2023. The bank maintained a ratio of at least 4% under the domestic standard. - FY2024-Q1RestatedAnnual report
「During the cumulative first quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
The disclosure states that there have been no material changes in the risk disclosures concerning a decline in the capital adequacy ratio. - FY2023WorsenedAnnual report
「Capital increased by ¥900 million from the end of the previous consolidated fiscal year due to the accumulation of profits, while risk-weighted assets increased by ¥35.3 billion, mainly due to an increase in loans. As a result, the capital adequacy ratio declined by 0.26 percentage points to 11.57%.」
The consolidated capital adequacy ratio declined from 11.83% to 11.57%. However, it remains above both the domestic-standard minimum of 4% and the medium-term plan target of 10% or higher. - FY2023-Q3WorsenedAnnual report
「Capital adequacy ratio % 4.8 4.0 4.5」
The capital adequacy ratio, a key management indicator, declined to 4.0% from 4.8% in the third quarter of the previous year and 4.5% in the previous fiscal year. - FY2023-Q2WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 11.77 / Non-consolidated capital adequacy ratio (domestic standard) 11.36」
The capital adequacy ratio under the domestic standard changed from 11.83% consolidated and 11.61% non-consolidated at the end of March 2022 to 11.77% consolidated and 11.36% non-consolidated at the end of September 2022. - FY2022WorsenedAnnual report
「Capital increased by ¥1.8 billion from the end of the previous consolidated fiscal year through the accumulation of profits, but risk-weighted assets increased by ¥42.8 billion mainly due to an increase in securities. As a result, the capital adequacy ratio declined by 0.27 points to 11.83%.」
The consolidated capital adequacy ratio declined from 12.10% to 11.83%. However, it remained at or above the domestic standard of 4%. - FY2022-Q2MitigatedAnnual report
「30 September 2021 1. Consolidated capital adequacy ratio (2/3) 12.27 / 2. Consolidated capital 1,470 / 3. Risk-weighted assets 11,976」
Under the domestic standard, the consolidated capital adequacy ratio was 12.27% and the non-consolidated ratio was 11.81%, both up from 12.10% and 11.62%, respectively, at the end of March 2021. - FY2021MitigatedAnnual report
「As a result, the capital adequacy ratio rose by 0.21 points to 12.10%.」
The consolidated capital adequacy ratio rose from 11.89% to 12.10%, while the non-consolidated capital adequacy ratio also rose to 11.62%. - FY2021-Q3RestatedAnnual report
「During the cumulative third quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
The disclosure states that there have been no material changes in the risk disclosures concerning a decline in the capital adequacy ratio. - FY2021-Q2MitigatedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 11.94 / Non-consolidated capital adequacy ratio (domestic standard) 11.46」
Under the domestic standard, the consolidated capital adequacy ratio rose from 11.89% to 11.94%, while the non-consolidated ratio rose from 11.41% to 11.46%. - FY2021-Q1RestatedAnnual report
「During the cumulative first quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
The disclosure states that there have been no material changes in the risk disclosures concerning a decline in the capital adequacy ratio. - FY2020MitigatedAnnual report
「Capital increased through the accumulation of profits, while risk-weighted assets decreased mainly due to a decline in loans. As a result, the capital adequacy ratio rose by 0.40 points from the end of the previous consolidated fiscal year to 11.89%.」
The consolidated capital adequacy ratio rose from 11.49% to 11.89%, while the non-consolidated ratio was 11.41%. - FY2020-Q3RestatedAnnual report
「During the cumulative third quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
The disclosure states that there have been no material changes in the risk of a decline in the capital adequacy ratio. - FY2020-Q2MitigatedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 11.77 / Non-consolidated capital adequacy ratio (domestic standard) 11.30」
Under the domestic standard, the consolidated capital adequacy ratio rose from 11.49% and the non-consolidated ratio from 11.01% at the end of March 2019 to 11.77% and 11.30%, respectively. - FY2020-Q1RestatedAnnual report
「During the cumulative first quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
The disclosure states that there have been no material changes in the risk of a decline in the capital adequacy ratio. - FY2019MitigatedAnnual report
「The consolidated capital adequacy ratio rose by 0.25 points year on year to 11.49%. For the same reason, the non-consolidated capital adequacy ratio rose by 0.26 points from the end of the previous fiscal year to 11.01%.」
Both the consolidated and non-consolidated capital adequacy ratios increased and remained above the domestic standard of 4%. - FY2019-Q3RestatedAnnual report
「During the cumulative third quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
The disclosure states that there have been no material changes in the risk of a decline in the capital adequacy ratio. - FY2019-Q2RestatedAnnual report
「During the cumulative second quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
The disclosure states that there have been no material changes in the risk disclosures concerning a decline in the capital adequacy ratio. - FY2019-Q1RestatedAnnual report
「During the cumulative first quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
The disclosure states that there have been no material changes in the risk disclosures concerning a decline in the capital adequacy ratio. - FY2018WorsenedAnnual report
「As risk-weighted assets increased by ¥4,431.3 million from the end of the previous consolidated fiscal year due to an increase in loans, the consolidated capital adequacy ratio declined by 0.31 points year on year to 11.24%. For the same reason, the non-consolidated capital adequacy ratio declined by 0.27 points from the end of the previous fiscal year to 10.75%.」
Capital adequacy ratios declined on both a consolidated and non-consolidated basis due to an increase in risk-weighted assets associated with higher loan balances. - FY2018-Q3RestatedAnnual report
「During the cumulative third quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
The disclosure states that there have been no material changes in the risk disclosures concerning a decline in the capital adequacy ratio. - FY2018-Q2RestatedAnnual report
「During the cumulative second quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
The disclosure states that there have been no material changes in the risk disclosures concerning a decline in the capital adequacy ratio. - FY2018-Q1RestatedAnnual report
「During the cumulative first quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
The disclosure states that there have been no material changes in the risk disclosures concerning a decline in the capital adequacy ratio. - FY2017WorsenedAnnual report
「As risk-weighted assets increased by ¥4,401 million from the end of the previous consolidated fiscal year due to an increase in loans, the consolidated capital adequacy ratio declined by 0.49 points year on year to 11.55%. For the same reason, the non-consolidated capital adequacy ratio declined by 0.46 points from the end of the previous fiscal year to 11.02%.」
Regulatory capital adequacy ratios declined from the end of the previous fiscal year on both a consolidated and non-consolidated basis. - FY2017-Q3RestatedAnnual report
「During the cumulative third quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
The disclosure states that there have been no material changes in the risk of a decline in the capital adequacy ratio. - FY2017-Q2RestatedAnnual report
「There have been no material changes to the matters concerning business and other risks described in the annual securities report for the previous fiscal year.」
The disclosure states that there have been no material changes in the risk of a decline in the capital adequacy ratio. The actual capital adequacy ratio has declined separately. - FY2016First statedAnnual report
「The Bank's non-consolidated and consolidated capital adequacy ratios are required to be maintained at or above the domestic standard of 4% stipulated in the "Standards for Determining, Based on Article 14-2 of the Banking Act, Whether a Bank's Capital Adequacy Is Appropriate in Light of Its Assets and Other Holdings" (Financial Services Agency Notification No. 19 of 2006).」
The consolidated capital adequacy ratio for the current period was 12.04% and the non-consolidated ratio was 11.48%; the disclosure explains the risk of administrative orders if the standards are not met.