Declining Capital Adequacy Ratio and Risk of Falling Below Regulatory Thresholds
First written in FY2016. 17 of 21 entries say "Worsened", first in FY2017. Latest entry: 2026-08-07.
The Bank of Iwate 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: 9 of 38 companies on the "Worse" side.
8 other companies' latest entry also says "Worsened".
- 2026-08-07WorsenedFinancial results briefing materials
「Capital adequacy ratio (C)/(D) 11.01% −0.16 pp 11.17%」
The consolidated capital adequacy ratio declined from 11.17% to 11.01% at the end of June 2026, while the non-consolidated ratio declined from 10.85% to 10.70%. - FY2026WorsenedAnnual report
「During the fiscal year, the consolidated capital adequacy ratio fell 0.22 percentage points from the end of the previous fiscal year to 11.17%, while the non-consolidated capital adequacy ratio fell 0.24 percentage points to 10.85%, as the company sought to build up risk-weighted assets while maintaining an appropriate level of capital.」
Both the consolidated and non-consolidated capital adequacy ratios declined from the end of the previous fiscal year as risk-weighted assets increased. However, they remain above the 4% domestic standard and the medium-term management plan's target of approximately 10%. - 2026-05-14WorsenedEarnings
「The consolidated capital adequacy ratio was 11.17%, down 0.22 percentage points from the end of the previous fiscal year. The non-consolidated capital adequacy ratio was 10.85%, down 0.24 percentage points.」
Capital adequacy ratios declined from the end of the previous fiscal year on both a consolidated and non-consolidated basis. They nevertheless remained above the domestic standard. - FY2026-H1MitigatedAnnual report
「Consolidated capital adequacy ratio (domestic standard) (Unit: ¥100 million, %) 30 September 2025 1. Consolidated capital adequacy ratio (2/3) 11.22 2. Consolidated capital 1,843 3. Risk-weighted assets 16,421 Non-consolidated capital adequacy ratio (domestic standard) (Unit: ¥100 million, %) 30 September 2025 1. Capital adequacy ratio (2/3) 10.93 2. Non-consolidated capital 1,785 3. Risk-weighted assets 16,337」
At the end of September 2025, the consolidated capital adequacy ratio was 11.22% and the non-consolidated capital adequacy ratio was 10.93%, both up from 11.10% and 10.79%, respectively, at the end of March 2025. Both also remain above the 4% domestic standard. - FY2025-H1WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 11.10 2. Consolidated capital 1,796 3. Risk-weighted assets 16,179」Non-consolidated capital adequacy ratio (domestic standard) 10.79 2. Non-consolidated capital 1,737 3. Risk-weighted assets 16,094」
At the end of September 2024, the consolidated capital adequacy ratio was 11.10% and the non-consolidated capital adequacy ratio was 10.79%, both down from 11.29% and 10.95%, respectively, at the end of March 2024. Both remain above the 4% domestic standard. - FY2024WorsenedAnnual report
「During the fiscal year, the consolidated capital adequacy ratio fell 0.35 percentage points from the end of the previous fiscal year to 11.29% as risk-weighted assets increased, among other factors. The non-consolidated capital adequacy ratio fell 0.38 percentage points to 10.95%.」
Both the consolidated and non-consolidated capital adequacy ratios declined from the end of the previous fiscal year. However, they remain above the 4% domestic standard and the medium-term management plan's target of approximately 10% for fiscal 2025. - FY2024-Q2WorsenedAnnual report
「30 September 2023 1. Consolidated capital adequacy ratio (2/3) 11.21 2. Consolidated capital 1,764 3. Risk-weighted assets 15,733」
The consolidated capital adequacy ratio declined from 11.64% at the end of March 2023 to 11.21%, while the non-consolidated capital adequacy ratio declined from 11.33% to 10.93%. Both remain above the 4% domestic standard. - FY2023MitigatedAnnual report
「The capital adequacy ratios increased as capital rose. The consolidated capital adequacy ratio rose 0.02 percentage points from the end of the previous fiscal year to 11.64%, while the non-consolidated capital adequacy ratio rose 0.03 percentage points to 11.33%.」
Both the consolidated and non-consolidated capital adequacy ratios increased from the end of the previous fiscal year and exceeded the 4% domestic standard and the new medium-term management plan's target of approximately 10% for fiscal 2025. The company also indicated its policy of using capital for the accumulation of risk-weighted assets and strategic investment in growth areas from fiscal 2023 onward. - FY2023-Q2WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 11.43」
At the end of September 2022, the consolidated capital adequacy ratio was 11.43% and the non-consolidated capital adequacy ratio was 11.13%, down from 11.62% and 11.30%, respectively, at the end of March 2022. - FY2022WorsenedAnnual report
「The capital adequacy ratios declined as risk-weighted assets increased, mainly due to risk-taking in the lending business. The consolidated capital adequacy ratio fell 0.21 percentage points from the end of the previous fiscal year to 11.62%, while the non-consolidated capital adequacy ratio fell 0.14 percentage points to 11.30%.」
Both the consolidated and non-consolidated capital adequacy ratios declined from the end of the previous fiscal year. However, they remain at sufficient levels relative to the medium-term management plan's target of at least 10% in its final fiscal year. - FY2022-Q2WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 11.79 2. Consolidated capital 1,737 3. Risk-weighted assets 14,725 Non-consolidated capital adequacy ratio (domestic standard) 11.44」
The consolidated capital adequacy ratio was 11.79% at the end of September 2021, down from 11.83% at the end of March 2021. The non-consolidated capital adequacy ratio was 11.44%, unchanged from the end of the previous fiscal year. - FY2021WorsenedAnnual report
「The capital adequacy ratios declined as risk-weighted assets increased, mainly due to growth in lending to SMEs related to COVID-19. The consolidated capital adequacy ratio fell 0.27 percentage points from the end of the previous fiscal year to 11.83%, while the non-consolidated capital adequacy ratio fell 0.31 percentage points to 11.44%.」
The consolidated and non-consolidated capital adequacy ratios declined from 12.10% and 11.75%, respectively, at the end of the previous fiscal year. However, they remain at sufficient levels relative to the medium-term management plan's target of at least 10% in its final fiscal year. - FY2021-Q2WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 11.80 2. Consolidated capital 1,716 3. Risk-weighted assets 14,541 Non-consolidated capital adequacy ratio (domestic standard) 11.44」
At the end of September 2020, the consolidated capital adequacy ratio was 11.80% and the non-consolidated capital adequacy ratio was 11.44%, both down from 12.10% and 11.75%, respectively, at the end of March 2020. - FY2020WorsenedAnnual report
「The capital adequacy ratios declined as risk-weighted assets increased, mainly due to growth in outstanding loans to SMEs and other borrowers. The consolidated capital adequacy ratio fell 0.14 percentage points from the end of the previous fiscal year to 12.10%, while the non-consolidated capital adequacy ratio fell 0.12 percentage points to 11.75%.」
Although both ratios remain above the 4% regulatory minimum, the consolidated and non-consolidated capital adequacy ratios both declined from the end of the previous fiscal year. - FY2020-Q2WorsenedAnnual report
「30 September 2019 1. Consolidated capital adequacy ratio (2/3) 12.26 2. Consolidated capital 1,697 3. Risk-weighted assets 13,842 Non-consolidated capital adequacy ratio (domestic standard) 11.90」
The consolidated and non-consolidated capital adequacy ratios declined from 12.52% and 12.11%, respectively, at the end of March 2019 to 12.26% and 11.90%, respectively, at the end of September 2019. - FY2019-Q2WorsenedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 12.25 Non-consolidated capital adequacy ratio (domestic standard) 11.88」
As of 30 September 2018, the consolidated capital adequacy ratio was 12.25% and the non-consolidated capital adequacy ratio was 11.88%, both down from 12.52% and 12.11%, respectively, at the end of March 2018. Although they remained above the required level under domestic standards, the capital adequacy ratios continued to decline. - FY2018WorsenedAnnual report
「The capital adequacy ratios declined as risk-weighted assets increased due to growth in outstanding loans to small and medium-sized enterprises and others, as well as an increase in the balance of investments in other securities. The consolidated ratio fell 0.25% from the end of the previous consolidated fiscal year to 12.52%, while the non-consolidated ratio fell 0.27% from the end of the previous fiscal year to 12.11%.」
Although they remained above the 4% regulatory requirement, both the consolidated and non-consolidated capital adequacy ratios declined from the end of the previous period. - FY2018-Q2WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 12.45 Non-consolidated capital adequacy ratio (domestic standard) 12.04」
As of 30 September 2017, the consolidated capital adequacy ratio was 12.45% and the non-consolidated capital adequacy ratio was 12.04%, both down from 12.77% and 12.38%, respectively, at the end of March 2017. - FY2017WorsenedAnnual report
「As of 31 March 2017, our consolidated capital adequacy ratio was 12.77% and our non-consolidated capital adequacy ratio was 12.38%. The ratios declined as the amount of capital decreased due to the repayment of subordinated loans and risk-weighted assets increased, with the consolidated ratio falling 0.30% year on year and the non-consolidated ratio falling 0.65%.」
Although they remained above the 4% regulatory requirement, the capital adequacy ratios declined from the previous period due to the repayment of subordinated loans and an increase in risk-weighted assets. - FY2017-Q2RestatedAnnual report
「Consolidated capital adequacy ratio (domestic standard) 30 September 2016 13.36 Non-consolidated capital adequacy ratio (domestic standard) 30 September 2016 13.00」
It reports the consolidated and non-consolidated capital adequacy ratios as of 30 September 2016. Both remained at around 13%, as at the end of the previous fiscal year, and it states that there were no material changes in business and other risks. - FY2016First statedAnnual report
「We are required to maintain both the consolidated and non-consolidated capital adequacy ratios at 4% or higher. As of 31 March 2016, our consolidated capital adequacy ratio was 13.07% and our non-consolidated capital adequacy ratio was 13.03%.」
It identifies loan-loss expenses, the securities portfolio, regulatory changes, deferred tax assets and retirement benefit obligations as factors affecting the ratios.