Decline in Capital Adequacy Ratio and Risk of Breaching Regulatory Standards
First written in FY2016. 10 of 21 entries say "Worsened", first in FY2017-Q2. Latest entry: FY2026.
The Bank Of Saga moved to the "Worse" side of this theme in 2016, 2 years 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".
- FY2026WorsenedAnnual report
「Consolidated capital ratio (domestic standard) 1. Consolidated capital ratio (2/3) 7.74」
The consolidated capital ratio declined from 7.94% at the end of the previous fiscal year to 7.74%, falling below both the 8.00% target for the final year of the 18th Medium-Term Management Plan and the 8.0% target for fiscal 2025. - 2026-05-12WorsenedEarnings
「[Consolidated] Capital adequacy ratio 7.74% 8.13% at September 2025 7.94% at March 2025」
The consolidated capital adequacy ratio declined from 7.94% at the end of the previous fiscal year to 7.74%, falling below the level of more than 8.00% set under the 18th Medium-Term Management Plan. - FY2026-H1MitigatedAnnual report
「Consolidated capital ratio (domestic standard) 1. Consolidated capital ratio (2/3) 8.13 Standalone capital ratio (domestic standard) 1. Capital ratio (2/3) 8.25」
At the end of September 2025, the consolidated capital ratio was 8.13% and the standalone capital ratio was 8.25%. Both increased from 7.94% and 8.13%, respectively, at the end of March 2025, and remained above the domestic standard of 4%. - FY2025MitigatedAnnual report
「The capital ratio (domestic standard) increased 0.57 percentage points from the end of the previous fiscal year to 8.13%.」
The standalone capital ratio rose from 7.56% to 8.13%, while the consolidated capital ratio rose from 7.39% to 7.94%. The consolidated capital ratio also exceeded the 7.60% target under the 17th Medium-Term Management Plan. - FY2025-H1MitigatedAnnual report
「Consolidated capital ratio (domestic standard) 1. Consolidated capital ratio (2/3) 7.45 Standalone capital ratio (domestic standard) 1. Capital ratio (2/3) 7.59」
At the end of September 2024, the consolidated capital ratio was 7.45% and the standalone capital ratio was 7.59%, both up from 7.39% and 7.56%, respectively, at the end of March 2024. The consolidated ratio still fell short of the 7.60% target under the 17th Medium-Term Management Plan. - FY2024WorsenedAnnual report
「The capital ratio (domestic standard) decreased 0.12 percentage points from the end of the previous fiscal year to 7.56%. Although capital increased steadily through the accumulation of profits and other factors, risk-weighted assets increased along with the increase in outstanding loans.」
The standalone capital ratio declined from 7.68% to 7.56%, while the consolidated capital ratio declined from 7.49% to 7.39%. The consolidated ratio also fell below the 7.60% target for fiscal 2024 under the 17th Medium-Term Management Plan. - FY2024-Q2WorsenedAnnual report
「1. Consolidated capital ratio (2/3) 7.41 1. Capital ratio (2/3) 7.58」
At the end of September 2023, the consolidated capital ratio was 7.41% and the standalone capital ratio was 7.58%, both down from 7.49% and 7.68%, respectively, at the end of March 2023. - FY2023WorsenedAnnual report
「The capital ratio (domestic standard) decreased 0.33 percentage points from the end of the previous fiscal year to 7.68%. Although capital increased through the accumulation of profits and other factors, risk-weighted assets increased, mainly due to an increase in loans with high risk weights.」
The standalone capital ratio declined from 8.01% to 7.68%, while the consolidated capital ratio also declined from 7.86% to 7.49%. Both remained above the domestic standard of 4%. - FY2023-Q2Slight decline in consolidated ratio; increase in standalone ratioAnnual report
「1. Consolidated capital ratio (2/3) 7.85 1. Capital ratio (2/3) 8.04」
The consolidated capital ratio at the end of September 2022 was 7.85%, a slight decrease from 7.86% at the end of March 2022. Meanwhile, the standalone capital ratio rose from 8.01% to 8.04%, showing divergent trends for the consolidated and standalone ratios. - FY2022WorsenedAnnual report
「The capital ratio (domestic standard) decreased 0.10 percentage points from the end of the previous fiscal year to 8.01%. Although capital increased through the accumulation of profits and other factors, risk-weighted assets increased, mainly due to an increase in loans with high risk weights.」
The standalone capital ratio declined from 8.11% to 8.01%, while the consolidated capital ratio also declined from 8.01% to 7.86%. Both remained above the stated domestic standard of 4%. - FY2022-Q2MitigatedAnnual report
「Consolidated capital ratio (domestic standard) (Unit: ¥100 million, %) 30 September 2021 1. Consolidated capital ratio (2/3) 8.15 Standalone capital ratio (domestic standard) (Unit: ¥100 million, %) 30 September 2021 1. Capital ratio (2/3) 8.28」
The consolidated capital ratio rose from 8.01% at the end of March 2021 to 8.15%, while the standalone capital ratio rose from 8.11% to 8.28%. - FY2021MitigatedAnnual report
「The capital ratio (domestic standard) increased 0.08 percentage points from the end of the previous fiscal year to 8.11%, reflecting an increase in capital from the accumulation of profits and other factors, as well as a decrease in risk-weighted assets, mainly due to an increase in loans with low risk weights.」
The standalone capital ratio rose from 8.03% to 8.11%, while the consolidated capital ratio rose from 7.82% to 8.01%, with both exceeding the domestic standard of 4%. - FY2021-Q2MitigatedAnnual report
「Consolidated capital ratio (domestic standard) (Unit: ¥100 million, %) 30 September 2020 1. Consolidated capital ratio (2/3) 7.96 Standalone capital ratio (domestic standard) (Unit: ¥100 million, %) 30 September 2020 1. Capital ratio (2/3) 8.16」
The consolidated capital ratio rose from 7.82% at the end of March 2020 to 7.96%, while the standalone capital ratio rose from 8.03% to 8.16%. - FY2020WorsenedAnnual report
「The capital adequacy ratio under domestic standards declined by 0.12 percentage points from the end of the previous fiscal year to 8.03%. Although capital increased through the accumulation of profits and other factors, risk-weighted assets increased, mainly due to an increase in securities.」
The standalone capital ratio declined from 8.14% to 8.03%, while the consolidated capital ratio also declined from 7.95% to 7.82%. Both remained above the stated domestic standard of 4%. - FY2020-Q2Consolidated ratio flat, non-consolidated ratio upAnnual report
「Consolidated capital adequacy ratio (domestic standards) (Unit: ¥100 million, %) 30 September 2019 1. Consolidated capital adequacy ratio (2/3) 7.99 Non-consolidated capital adequacy ratio (domestic standards) (Unit: ¥100 million, %) 30 September 2019 1. Capital adequacy ratio (2/3) 8.23」
The consolidated capital adequacy ratio was unchanged from 7.99% at the end of the previous fiscal year, while the non-consolidated capital adequacy ratio increased from 8.20% to 8.23%. - FY2019-Q2MitigatedAnnual report
「Consolidated capital adequacy ratio (domestic standards) (Unit: ¥100 million, %) 30 September 2018 1. Consolidated capital adequacy ratio (2/3) 7.99 Non-consolidated capital adequacy ratio (domestic standards) (Unit: ¥100 million, %) 30 September 2018 1. Capital adequacy ratio (2/3) 8.20」
The consolidated capital adequacy ratio increased from 7.95% at the end of March of the previous fiscal year to 7.99%, while the non-consolidated capital adequacy ratio increased from 8.14% to 8.20%, with both improving from the end of the previous fiscal year. - FY2018Consolidated ratio down, non-consolidated ratio upAnnual report
「The non-consolidated capital adequacy ratio under domestic standards increased by 0.46 percentage points from the end of the previous fiscal year to 8.14%. Although risk-weighted assets increased due to higher loans to corporates and small and midsize individuals, among others, capital increased by ¥11.6 billion through the accumulation of profits and other factors.」
The non-consolidated capital adequacy ratio increased from 7.68% to 8.14%, while the consolidated capital adequacy ratio declined from 8.07% to 7.95%, moving in opposite directions on a consolidated and non-consolidated basis. - FY2018-Q2WorsenedAnnual report
「At the end of the interim consolidated accounting period, the consolidated capital adequacy ratio under domestic standards was 8.02%, down 0.05 percentage points from the end of the previous fiscal year. Capital increased by ¥2.4 billion due to accumulated profits and other factors, while risk-weighted assets increased as a result of higher loans to corporates and small and midsize individuals, among others.」
The consolidated capital adequacy ratio declined from 8.07% to 8.02%, while the non-consolidated capital adequacy ratio declined from 7.68% to 7.64%. Although capital increased, the increase in risk-weighted assets due to higher lending was a factor behind the decline. - FY2017WorsenedAnnual report
「The capital adequacy ratio under domestic standards declined by 1.22 percentage points from the end of the previous fiscal year to 7.68%. Although profits accumulated, core capital decreased due to an increase in adjustments to the amount of capital associated with the application of Basel III and the repayment of subordinated borrowings, while risk-weighted assets increased due to higher lending and other factors. The consolidated capital adequacy ratio under domestic standards declined by 1.25 percentage points from the end of the previous fiscal year to 8.07%.」
The non-consolidated capital adequacy ratio declined to 7.68% and the consolidated capital adequacy ratio to 8.07%. Both remained above the 4% required level under domestic standards, and no breach of the regulatory standard was reported. - FY2017-Q2WorsenedAnnual report
「At the end of the interim consolidated accounting period, the consolidated capital adequacy ratio under domestic standards was 8.91%, down 0.41 percentage points from the end of the previous fiscal year. Although capital increased through the accumulation of profits, risk-weighted assets increased due to higher loans to corporates and small and midsize individuals, among others, while capital decreased as a result of repayments of subordinated loans.」
The consolidated capital adequacy ratio declined by 0.41 percentage points to 8.91%. The stated factors were an increase in risk-weighted assets due to higher lending and repayments of subordinated loans, but there is no statement that the ratio fell below the 4% regulatory standard. - 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.」
The non-consolidated capital adequacy ratio was 8.90% and the consolidated capital adequacy ratio was 9.32%. Although both declined from the previous fiscal year, they remained above the stated 4% standard.