Regulatory Response Risk Caused by a Decline in the Capital Adequacy Ratio
First written in FY2017. 17 of 28 entries say "Mitigated", first in FY2020-Q1. Latest entry: 2026-08-07.
The Toho 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: 9 of 38 companies on the "Worse" side.
23 other companies' latest entry also says "Mitigated".
- 2026-08-07MitigatedFinancial results presentation
「Capital adequacy ratio (A ÷ B) 11.98% 0.25% 11.73%」
連結自己資本比率は2026年3月末の11.73％から2026年6月末には11.98％へ上昇し、規制対応リスクの低減を示している。 - FY2026MitigatedAnnual report
「At the end of the consolidated fiscal year, the consolidated capital adequacy ratio under domestic standards increased by 0.98 percentage points from the end of the previous fiscal year to 11.73% because risk-weighted assets declined and other factors.」
The consolidated capital adequacy ratio increased from 9.83% at the end of the previous fiscal year to 11.73%, expanding the buffer above regulatory requirements. - FY2026-H1MitigatedAnnual report
「The capital adequacy ratio was 11.06%, continuing to remain at a sufficient level.」
The consolidated capital adequacy ratio was 11.06%, up from 9.83% at the end of the previous fiscal year and 9.93% at the end of the previous interim period. - FY2025-H1MitigatedAnnual report
「The capital adequacy ratio was 9.93%, continuing to remain at a sufficient level.」
The consolidated capital adequacy ratio was 9.93%, and the Bank stated that it remained at a sufficient level. - FY2024MitigatedAnnual report
「At the end of the consolidated fiscal year, the consolidated capital adequacy ratio under domestic standards increased by 0.47 percentage points from the end of the previous fiscal year to 9.83% because risk-weighted assets, including loans, decreased.」
The consolidated capital adequacy ratio increased from 9.36% to 9.83%, remaining above the domestic-standard minimum of 4%. - FY2024-Q3WorsenedAnnual report
「The capital adequacy ratio was 9.41%, continuing to remain at a sufficient level.」
The consolidated capital adequacy ratio declined from 9.61% at the end of the previous consolidated fiscal year and 9.43% at the end of the previous quarter to 9.41%, while the Bank stated that it remained at a sufficient level. - FY2024-Q2WorsenedAnnual report
「The capital adequacy ratio was 9.43%, continuing to remain at a sufficient level.」
The consolidated capital adequacy ratio declined from 9.61% at the end of the previous fiscal year and 9.46% at the end of the previous quarter to 9.43%, while the Bank stated that it remained at a sufficient level. - FY2024-Q1WorsenedAnnual report
「The capital adequacy ratio was 9.46%, continuing to remain at a sufficient level.」
The capital adequacy ratio declined from 9.61% at the end of the previous fiscal year to 9.46%, while the Bank stated that it remained at a sufficient level. - FY2023-Q3WorsenedAnnual report
「The capital adequacy ratio was 9.53%, continuing to remain at a sufficient level.」
The capital adequacy ratio declined from 9.61% at the end of the previous fiscal year to 9.53%, while the Bank stated that it remained at a sufficient level. - FY2023-Q2MitigatedAnnual report
「The capital adequacy ratio was 9.68%, continuing to remain at a sufficient level.」
The consolidated capital adequacy ratio increased from 9.61% at the end of the previous fiscal year to 9.68%, and the Bank stated that it remained at a sufficient level. - FY2023-Q1MitigatedAnnual report
「The capital adequacy ratio was 9.78%, continuing to remain at a sufficient level.」
The capital adequacy ratio increased from 9.61% at the end of the previous fiscal year to 9.78%, and the Bank stated that it remained at a sufficient level. - FY2022-Q3MitigatedAnnual report
「The capital adequacy ratio was 9.61%, continuing to remain at a sufficient level.」
The capital adequacy ratio increased from 9.59% at the end of the previous quarter to 9.61%, and the Bank stated that it remained at a sufficient level. - FY2022-Q2MitigatedAnnual report
「The capital adequacy ratio was 9.59%, continuing to remain at a sufficient level.」
The consolidated capital adequacy ratio increased from 8.96% at the end of the previous fiscal year and 9.45% at the end of the previous quarter to 9.59%, and the Bank stated that it remained at a sufficient level. - FY2022-Q1MitigatedAnnual report
「The capital adequacy ratio was 9.45%, continuing to remain at a sufficient level.」
The capital adequacy ratio increased from 8.96% at the end of the previous fiscal year and 9.28% at the end of the previous quarter to 9.45%, and the Bank stated that it remained at a sufficient level. - FY2021-Q3MitigatedAnnual report
「The consolidated capital adequacy ratio was 9.28%, continuing to remain at a sufficient level.」
The consolidated capital adequacy ratio increased from 8.96% at the end of the previous fiscal year and 9.22% at the end of the previous quarter to 9.28%, and the Bank stated that it remained at a sufficient level. - FY2021-Q2MitigatedAnnual report
「The capital adequacy ratio was 9.22%, continuing to remain at a sufficient level.」
The consolidated capital adequacy ratio increased from 8.96% at the end of the previous fiscal year to 9.22%, and the Bank stated that it remained at a sufficient level. - FY2021-Q1MitigatedAnnual report
「The capital adequacy ratio was 9.02%, continuing to remain at a sufficient level.」
The capital adequacy ratio increased from 8.96% at the end of the previous fiscal year to 9.02%, and the Bank stated that it remained at a sufficient level. - FY2020MitigatedAnnual report
「At the end of the consolidated fiscal year, the consolidated capital adequacy ratio under domestic standards increased by 0.21 percentage points from the end of the previous fiscal year to 8.96% because profits accumulated.」
The consolidated capital adequacy ratio increased from 8.74% to 8.96%, remaining above the domestic-standard minimum of 4%. - FY2020-Q3MitigatedAnnual report
「The consolidated capital adequacy ratio was 8.93%, continuing to remain at a sufficient level.」
The consolidated capital adequacy ratio increased from 8.92% at the end of the previous quarter to 8.93%, and the Bank stated that it remained at a sufficient level. - FY2020-Q2MitigatedAnnual report
「The capital adequacy ratio was 8.92%, continuing to remain at a sufficient level.」
The consolidated capital adequacy ratio increased from 8.74% at the end of the previous fiscal year to 8.92%, and the Bank stated that it remained at a sufficient level. - FY2020-Q1MitigatedAnnual report
「The capital adequacy ratio was 8.87%, continuing to remain at a sufficient level.」
The capital adequacy ratio increased from 8.74% at the end of the previous fiscal year to 8.87%, and the Bank stated that it remained at a sufficient level. - FY2019WorsenedAnnual report
「The capital adequacy ratio was 8.74%, continuing to remain at a sufficient level, although it declined by 0.29 percentage points from the end of the previous fiscal year because debt-like capital funding decreased as borrowings were repaid.」
The consolidated capital adequacy ratio declined from 9.03% at the end of the previous fiscal year to 8.74%, remaining above the domestic-standard minimum of 4%. - FY2019-Q3WorsenedAnnual report
「The consolidated capital adequacy ratio was 8.54%, continuing to remain at a sufficient level.」
The consolidated capital adequacy ratio declined from 8.66% at the end of the second quarter to 8.54%, while the Bank stated that it remained at a sufficient level. - FY2019-Q2WorsenedAnnual report
「The capital adequacy ratio was 8.66%, continuing to remain at a sufficient level.」
The capital adequacy ratio declined from 9.03% at the end of the previous consolidated fiscal year and 8.70% at the end of the previous quarter to 8.66%, while the Bank stated that it remained at a sufficient level. - FY2019-Q1WorsenedAnnual report
「The capital adequacy ratio was 8.70%, continuing to remain at a sufficient level.」
The capital adequacy ratio declined from 9.03% at the end of the previous consolidated fiscal year to 8.70%, but the Bank stated that it remained at a sufficient level. - FY2018WorsenedAnnual report
「While securing net income, the capital adequacy ratio decreased by 0.19 percentage points from the end of the previous fiscal year to 9.03% as total assets, including loans, increased steadily.」
The consolidated capital adequacy ratio declined from 9.22% at the end of the previous fiscal year to 9.03%, a decrease of 0.19 percentage points. - FY2018-Q2WorsenedAnnual report
「At the end of the interim period, the consolidated capital adequacy ratio under domestic standards was 9.16%, down 0.72 percentage points from the end of the previous corresponding period because total assets, including loans, increased.」
The consolidated capital adequacy ratio declined by 0.72 percentage points year on year to 9.16%. - FY2017First statedAnnual report
「If the Bank’s capital adequacy ratio falls below the required level, the Commissioner of the Financial Services Agency may issue various orders, including orders to suspend all or part of the Bank’s operations.」
The filing states that, under domestic standards, the consolidated and standalone capital adequacy ratios must be maintained at 4% or higher, and that the consolidated ratio was 9.22% in the current fiscal year.