Decline in Capital Adequacy Ratio and Regulatory Risk
First written in FY2016. 11 of 27 entries say "Worsened", first in FY2018. Latest entry: 2026-08-07.
The Oita 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 40 companies on the "Worse" side.
24 other companies' latest entry also says "Mitigated".
- 2026-08-07MitigatedEarnings
「Consolidated capital adequacy ratio 9.63% 0.10% △0.52% 9.53% 10.15%」
The consolidated capital adequacy ratio rose from 9.53% at the end of March 2026 to 9.63%. - FY2026WorsenedAnnual report
「As a result, the consolidated capital adequacy ratio decreased by 0.58 percentage points from the end of the previous consolidated fiscal year to 9.53%.」
Risk-weighted assets increased by ¥192,288 million to ¥2,058,378 million, and the consolidated capital adequacy ratio fell from 10.11% to 9.53%. This was close to the Medium-Term Management Plan 2024 final-year target of approximately 9.5%. - 2026-05-12WorsenedEarnings
「The consolidated capital adequacy ratio was 9.53% on a preliminary basis.」
The consolidated capital adequacy ratio declined from 10.11% at the end of March 2025 to 9.53%, while risk-weighted assets increased from ¥1.866 trillion to ¥2.0583 trillion. - FY2026-H1WorsenedAnnual report
「As a result, the consolidated capital adequacy ratio declined by 0.17 percentage points from the end of the previous consolidated fiscal year to 9.94%.」
Risk-weighted assets increased by ¥50,072 million to ¥1,916,162 million, and the consolidated capital adequacy ratio fell from 10.11% to 9.94%. - FY2025WorsenedAnnual report
「Risk-weighted assets increased by ¥97,451 million from the end of the previous consolidated fiscal year, mainly due to an increase in loans, to ¥1,866,089 million. As a result, the consolidated capital adequacy ratio decreased by 0.31 percentage points from the end of the previous consolidated fiscal year to 10.11%.」
The consolidated capital adequacy ratio fell from 10.42% to 10.11% due to an increase in risk-weighted assets. - FY2025-H1WorsenedAnnual report
「Risk-weighted assets increased by ¥37,966 million from the end of the previous consolidated fiscal year to ¥1,806,604 million. As a result, the consolidated capital adequacy ratio decreased by 0.13 percentage points from the end of the previous consolidated fiscal year to 10.29%.」
Risk-weighted assets increased by ¥37,966 million from the end of the previous fiscal year, and the consolidated capital adequacy ratio fell from 10.42% to 10.29%. Total capital increased by ¥1,712 million due to the recognition of interim net income and other factors. - FY2024Consolidated ratio up; non-consolidated ratio downAnnual report
「As a result, the consolidated capital adequacy ratio increased by 0.02 percentage points from the end of the previous consolidated fiscal year to 10.42%.」
The consolidated capital adequacy ratio increased from 10.40% to 10.42% despite an increase in risk-weighted assets. The non-consolidated capital adequacy ratio was 9.55%. - FY2024-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no significant changes in the matters described in this quarterly report regarding the business and accounting conditions that could materially affect investors’ decisions, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
It states that there have been no material changes regarding the decline in the capital adequacy ratio and regulatory risk. - FY2024-Q2WorsenedAnnual report
「Risk-weighted assets increased by ¥34,263 million from the end of the previous consolidated fiscal year to ¥1,752,927 million. As a result, the consolidated capital adequacy ratio decreased by 0.05 percentage points from the end of the previous consolidated fiscal year to 10.35%.」
The consolidated capital adequacy ratio fell from 10.40% to 10.35% due to an increase in risk-weighted assets. The non-consolidated capital adequacy ratio was also 9.53%. - FY2023WorsenedAnnual report
「Risk-weighted assets increased by ¥84,919 million from the end of the previous consolidated fiscal year, mainly due to an increase in loans, to ¥1,718,664 million. As a result, the consolidated capital adequacy ratio decreased by 0.35 percentage points from the end of the previous consolidated fiscal year to 10.40%.」
The consolidated capital adequacy ratio fell from 10.75% to 10.40% due to an increase in risk-weighted assets. The non-consolidated capital adequacy ratio was also 9.60%. - FY2023-Q2WorsenedAnnual report
「As a result, the consolidated capital adequacy ratio decreased by 0.16 percentage points from the end of the previous consolidated fiscal year to 10.59%.」
The consolidated capital adequacy ratio fell from 10.75% to 10.59%, mainly because risk-weighted assets increased by ¥46,210 million from the end of the previous fiscal year. - FY2022-Q2MitigatedAnnual report
「As a result, the consolidated capital adequacy ratio increased by 0.08 percentage points from the end of the previous consolidated fiscal year to 10.90%.」
Despite an increase in risk-weighted assets, the consolidated capital adequacy ratio increased from 10.82% to 10.90%, mainly due to an increase in total capital. - FY2021Consolidated ratio up; non-consolidated plan target unmetAnnual report
「As a result, the consolidated capital adequacy ratio increased by 0.06 percentage points from the end of the previous consolidated fiscal year to 10.82%. The non-consolidated capital adequacy ratio, one of the soundness indicators under the Medium-Term Management Plan 2019, was 10.01%, below the 10.07% target for fiscal 2020.」
The consolidated capital adequacy ratio increased to 10.82%, while the non-consolidated capital adequacy ratio was 10.01%, below the fiscal 2020 target of 10.07%. - FY2021-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no significant changes in the matters described in this quarterly report regarding the business and accounting conditions that could materially affect investors’ decisions, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
It states that there have been no material changes regarding the decline in the capital adequacy ratio and regulatory risk. - FY2021-Q2MitigatedAnnual report
「The consolidated capital adequacy ratio increased by 0.11 percentage points from the end of the previous consolidated fiscal year to 10.87%.」
The consolidated capital adequacy ratio increased from 10.76% to 10.87%. The non-consolidated capital adequacy ratio also improved to 10.08% as of 30 September 2020, from 10.01% at the end of the previous fiscal year. - FY2020Consolidated ratio up; non-consolidated target unmetAnnual report
「The consolidated capital adequacy ratio increased by 0.10 percentage points from the end of the previous consolidated fiscal year to 10.76%. The non-consolidated capital adequacy ratio, one of the soundness indicators under the Medium-Term Management Plan 2019, was 10.01%, below the 10.05% target for fiscal 2019.」
The consolidated capital adequacy ratio increased, while the non-consolidated capital adequacy ratio fell below the fiscal-year target under the Medium-Term Management Plan 2019. - FY2020-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no significant changes in the matters described in this quarterly report regarding the business and accounting conditions that could materially affect investors’ decisions, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
It comprehensively states that there have been no material changes regarding the decline in the capital adequacy ratio and regulatory risk. - FY2020-Q2WorsenedAnnual report
「Risk-weighted assets increased by ¥19,847 million from the end of the previous consolidated fiscal year, mainly due to an increase in securities, to ¥1,567,089 million. As a result, the consolidated capital adequacy ratio decreased by 0.03 percentage points from the end of the previous consolidated fiscal year to 10.63%.」
Risk-weighted assets increased, mainly due to an increase in securities, and the consolidated capital adequacy ratio fell from 10.66% to 10.63%. - FY2019WorsenedAnnual report
「The consolidated capital adequacy ratio decreased by 0.11 percentage points from the end of the previous consolidated fiscal year to 10.66%. The non-consolidated capital adequacy ratio, one of the soundness indicators under the Medium-Term Management Plan 2016, was 9.97%, below the 10.30% target for fiscal 2018.」
The consolidated capital adequacy ratio declined, and the non-consolidated capital adequacy ratio also fell below the previous plan target. It also states that the ratio may decline going forward due to an increase in risk-weighted assets. - FY2019-Q2Consolidated ratio up; non-consolidated ratio below targetAnnual report
「As a result, the consolidated capital adequacy ratio increased by 0.13 percentage points from the end of the previous consolidated fiscal year to 10.90%.」
The consolidated capital adequacy ratio increased from 10.77% to 10.90%, while the non-consolidated capital adequacy ratio was 10.21%, below the existing target, resulting in divergent trends between the indicators. - FY2019-Q1RestatedAnnual report
「During the first quarter of the current consolidated cumulative period, there were no occurrences of matters that could materially affect investors’ investment decisions among the matters relating to the business and financial position described in this quarterly report, nor were there any material changes to the “Business and Other Risks” described in the annual securities report for the previous fiscal year.」
It comprehensively states that there have been no material changes regarding the decline in the capital adequacy ratio and regulatory risk. - FY2018WorsenedAnnual report
「The consolidated capital adequacy ratio decreased by 0.22 percentage points from the end of the previous consolidated fiscal year to 10.77%. The non-consolidated capital adequacy ratio, one of the soundness indicators under the Medium-Term Management Plan 2016, was 10.11%, below the 10.26% target for the second year of the plan.」
The consolidated capital adequacy ratio fell by 0.22 percentage points, while the non-consolidated ratio also fell below the plan target. The Company itself states that the ratio may continue to decline as risk-weighted assets increase. - FY2018-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no significant changes in the matters described in this quarterly report regarding the business and accounting conditions that could materially affect investors’ decisions, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
States that there have been no material changes concerning the risks of a declining capital adequacy ratio and regulatory risks. - FY2017-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no significant changes in the matters described in this quarterly report regarding the business and accounting conditions that could materially affect investors’ decisions, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
It states that there have been no material changes regarding the decline in the capital adequacy ratio and regulatory risk. - FY2017-Q2RestatedAnnual report
「During the cumulative second quarter under review, there were no significant changes in the matters described in this quarterly report regarding the business and accounting conditions that could materially affect investors’ decisions, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
It states that there have been no material changes regarding the decline in the capital adequacy ratio and regulatory risk. - FY2017-Q1RestatedAnnual report
「During the first quarter of the current consolidated cumulative period, there were no occurrences of matters that could materially affect investors’ investment decisions among the matters relating to the business and financial position described in this quarterly report, nor were there any material changes to the “Business and Other Risks” described in the annual securities report for the previous fiscal year.」
States that there have been no material changes concerning the risks of a declining capital adequacy ratio and regulatory risks. - FY2016First statedAnnual report
「If our capital adequacy ratio falls below the required standard of 4%, the Commissioner of the Financial Services Agency will order us to suspend all or part of our operations, among other measures.」
Identifies declines in securities prices, the disposal of non-performing loans, changes in regulatory calculation methods and reduced recoverability of deferred tax assets as factors affecting the capital adequacy ratio.