Deterioration in the Capital Adequacy Ratio
First written in FY2016. 10 of 19 entries say "Worsened", first in FY2017. Latest entry: 2026-07-31.
The whole theme swung hardest in 2017: 9 of 38 companies on the "Worse" side.
23 other companies' latest entry also says "Mitigated".
- 2026-07-31MitigatedEarnings
「The consolidated capital adequacy ratio under domestic standards declined by 0.13 percentage points year on year as risk-weighted assets increased due to growth in loans and other factors, but remained high at 10.69%.」
The consolidated capital adequacy ratio declined year on year, but rose to 10.69% from 10.48% at the end of March 2026. - FY2026WorsenedAnnual report
「The consolidated capital adequacy ratio declined 0.20 percentage points from the end of the previous consolidated fiscal year to 10.48% as risk-weighted assets increased, mainly due to expanded fund investment. However, it remained at a high level, supported by substantial retained earnings and the soundness of assets held.」
The consolidated capital adequacy ratio declined from 10.68% to 10.48%. The disclosure also states that it remains above the 4% domestic standard and at a high level. - 2026-05-15WorsenedEarnings
「The consolidated capital adequacy ratio under domestic standards remained high at 10.48%, supported by stronger retained earnings and the soundness of the assets held.」
The consolidated capital adequacy ratio declined from 10.68% at the end of the previous fiscal year to 10.48%. The disclosure nevertheless described it as remaining at a high level. - FY2026-H1MitigatedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 10.95」
At the end of September 2025, the consolidated capital adequacy ratio was 10.95%, up from 10.72% at the end of the previous fiscal year. - FY2025-H1MitigatedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 10.85」
At the end of September 2024, the consolidated capital adequacy ratio was 10.85%, up from 10.72% at the end of March 2024. - FY2024WorsenedAnnual report
「The consolidated capital adequacy ratio declined 0.49 percentage points from the end of the previous consolidated fiscal year to 10.72% as risk-weighted assets increased, mainly due to expanded fund investment. However, it remained at a high level, supported by substantial retained earnings and the soundness of assets held.」
The consolidated capital adequacy ratio declined from 11.21% to 10.72%. The disclosure also states that it remains above the 4% domestic standard and at a high level. - FY2024-Q2WorsenedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 11.11」
As of 30 September 2023, the consolidated capital adequacy ratio was 11.11%, a slight decline from the 11.13% disclosed previously. - FY2023-Q2WorsenedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 11.13」
As of 30 September 2022, the consolidated capital adequacy ratio was 11.13%, down from 11.31% at the end of March 2022. However, it remains above the 4% domestic standard. - FY2022MitigatedAnnual report
「The consolidated capital adequacy ratio rose 0.09 percentage points from the end of the previous consolidated fiscal year to 11.31%, supported by substantial retained earnings and the soundness of assets held, and remained at a high level.」
The consolidated capital adequacy ratio rose from 11.22% to 11.31% and remained at a high level. - FY2022-Q2MitigatedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 11.66」
As of 30 September 2021, the consolidated capital adequacy ratio was 11.66%, above both the 10.57% at the end of fiscal 2020 and the 4% domestic standard. - FY2021-Q2MitigatedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 11.04」
The consolidated capital adequacy ratio rose from 10.57% at the end of March 2020 to 11.04%. - FY2020WorsenedAnnual report
「The consolidated capital adequacy ratio declined 0.23 percentage points from the end of the previous consolidated fiscal year to 10.57% as risk-weighted assets increased, mainly due to growth in loans to small and medium-sized enterprises and other borrowers. However, it remains at a high level, reflecting the sound assets held by the Bank and its substantial retained earnings.」
The consolidated capital adequacy ratio declined from 10.80% to 10.57%. Meanwhile, it remains at a high level above the 4% domestic standard. - FY2020-Q2MitigatedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 10.82」
The consolidated capital adequacy ratio rose from 10.80% at the end of March 2019 to 10.82%. It remains above the 4% domestic standard. - FY2019WorsenedAnnual report
「The consolidated capital adequacy ratio under domestic standards was 10.80% at the end of March 2019. This level was well above the 4% domestic standard.」
The consolidated capital adequacy ratio declined 0.80 percentage points from 11.60% at the end of the previous fiscal year to 10.80%. However, it remains above the 4% domestic standard. - FY2019-Q2WorsenedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 11.47」
The consolidated capital adequacy ratio declined from 11.60% at the end of March 2018 to 11.47%. However, it remains above the 4% domestic standard. - FY2018WorsenedAnnual report
「The bank's consolidated capital adequacy ratio under domestic standards was 11.60% as of 31 March 2018. This was well above the domestic standard of 4%.」
The consolidated capital adequacy ratio declined from 11.65% to 11.60%. However, it remains well above the 4% domestic standard. - FY2018-Q2MitigatedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 11.84」
The consolidated capital adequacy ratio increased from 11.65% as of 31 March 2017 to 11.84%, remaining above the 4% domestic standard. - FY2017WorsenedAnnual report
「The bank's consolidated capital adequacy ratio under domestic standards was 11.65% as of 31 March 2017. This was well above the domestic standard of 4%.」
Although the consolidated capital adequacy ratio declined from the previously disclosed 11.87% to 11.65%, it remained well above the 4% domestic standard. - FY2016First statedAnnual report
「The bank's consolidated capital adequacy ratio under domestic standards was 11.87% as of 31 March 2016. This was well above the domestic standard of 4% prescribed in the "Standards for Determining Whether a Bank's Capital Adequacy Is Appropriate in Light of Its Assets Held, Pursuant to Article 14-2 of the Banking Act" (Financial Services Agency Notification No. 19 of 2006). However, if the bank becomes unable to maintain its capital adequacy ratio at this standard, it will be subject to various orders from the supervisory authorities, including orders to suspend all or part of its operations.」
The bank disclosed a consolidated capital adequacy ratio of 11.87% against the 4% domestic standard, indicating the risk of the ratio falling below the standard.