Risk of Declining Capital Adequacy Ratios
First written in FY2016. 10 of 18 entries say "Worsened", first in FY2019. Latest entry: 2026-08-10.
The whole theme swung hardest in 2017: 10 of 42 companies on the "Worse" side.
9 other companies' latest entry also says "Worsened".
- 2026-08-10WorsenedEarnings presentation materials
「自己資本比率 12.89 △0.29 13.18」
2026年6月末の自己資本比率は、2026年3月末比で連結が0.29ポイント、単体が0.26ポイント低下した。 - FY2026MitigatedAnnual report
「Capital adequacy ratio Fiscal year ended March 2023 Fiscal year ended March 2024 Fiscal year ended March 2025 Fiscal year ended March 2026 Consolidated 11.78% 14.42% 13.00% 13.18% Non-consolidated 11.48% 14.07% 12.66% 12.80%」
Both the consolidated and non-consolidated capital adequacy ratios rose year on year and remained well above the domestic minimum level of 4%. - 2026-05-13MitigatedEarnings
「自己資本比率(%) 12.66% 12.80% 0.14% 13.00% 13.18% 0.18%」
単体・連結の自己資本比率はいずれも前期から上昇した。 - FY2026-H1WorsenedAnnual report
「30 September 2025 1. Consolidated capital adequacy ratio (2/3) 12.83 Non-consolidated capital adequacy ratio (domestic standard) 12.48」
At the end of September 2025, the consolidated capital adequacy ratio was 12.83% and the non-consolidated ratio was 12.48%, both down from 13.00% and 12.66%, respectively, at the end of March 2025. However, both remained above the domestic minimum level of 4%. - FY2025WorsenedAnnual report
「Capital adequacy ratio Fiscal year ended March 2022 Fiscal year ended March 2023 Fiscal year ended March 2024 Fiscal year ended March 2025 Consolidated 12.53% 11.78% 14.42% 13.00% Non-consolidated 12.17% 11.48% 14.07% 12.66%」
Both the consolidated and non-consolidated capital adequacy ratios declined from the previous fiscal year. However, they remained above the domestic minimum level of 4%. - FY2025-H1WorsenedAnnual report
「Consolidated capital adequacy ratio (domestic standard) (Unit: ¥100 million, %) 30 September 2024 1. Consolidated capital adequacy ratio (2/3) 13.75」
The regulatory consolidated capital adequacy ratio declined from 14.42% at the end of March 2024 to 13.75%. However, it remained above the domestic minimum level of 4%. - FY2024MitigatedAnnual report
「Capital adequacy ratio Fiscal year ended March 2021 Fiscal year ended March 2022 Fiscal year ended March 2023 Fiscal year ended March 2024 Consolidated 12.41% 12.53% 11.78% 14.42% Non-consolidated 12.07% 12.17% 11.48% 14.07%」
With the application of the finalized Basel III framework, both the consolidated and non-consolidated capital adequacy ratios rose from the previous fiscal year and remained above the domestic minimum level of 4%. - FY2024-Q2WorsenedAnnual report
「Non-consolidated capital adequacy ratio (domestic standard) (Unit: ¥100 million, %) 30 September 2023 1. Non-consolidated capital adequacy ratio (2/3) 11.40」
The regulatory non-consolidated capital adequacy ratio declined from 11.48% at the end of March 2023 to 11.40%. Although it remained above the domestic minimum level of 4%, both the consolidated and non-consolidated ratios declined from the end of the previous fiscal year. - FY2023WorsenedAnnual report
「Capital adequacy ratio Fiscal year ended March 2020 Fiscal year ended March 2021 Fiscal year ended March 2022 Fiscal year ended March 2023 Consolidated 12.61% 12.41% 12.53% 11.78%」
Although the regulatory capital adequacy ratios remained above the minimum standard of 4%, both the consolidated and non-consolidated ratios declined from the previous fiscal year. Integrated stress tests continued to be conducted twice a year. - FY2022MitigatedAnnual report
「Over the most recent 3 years, both the consolidated and non-consolidated ratios have remained above 12%, and we recognize that the likelihood of falling below 4% under current conditions is not high.」
The consolidated capital adequacy ratio was 12.53% and the non-consolidated ratio was 12.17%, both remaining above the domestic minimum level of 4%. Integrated stress tests continued to be conducted twice a year. - FY2022-Q2WorsenedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 12.45」
The regulatory consolidated capital adequacy ratio declined from 12.65% in the same period of the previous year to 12.45%, while the non-consolidated capital adequacy ratio fell from 12.35% to 12.11%. However, both remained above the domestic minimum level of 4%. - FY2021-Q2MitigatedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 12.65 2. Consolidated capital amount 3,601 3. Risk-weighted assets 28,451 4. Total required consolidated capital 1,138 1. Non-consolidated capital adequacy ratio (2/3) 12.35」
The regulatory capital adequacy ratios rose slightly from 12.61% on a consolidated basis and 12.30% on a non-consolidated basis at the end of the previous fiscal year, remaining above the domestic minimum level of 4%. - FY2020WorsenedAnnual report
「Both ratios have remained above 12%, and we recognize that the likelihood of falling below 4% under current conditions is not high.」
The capital adequacy ratios declined year on year but remained above 12%, at 12.61% on a consolidated basis and 12.30% on a non-consolidated basis. The disclosure also covered verification of capital adequacy through integrated stress tests conducted twice a year. - FY2020-Q2WorsenedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 12.78 1. Non-consolidated capital adequacy ratio (2/3) 12.47」
The regulatory consolidated and non-consolidated capital adequacy ratios declined from 12.89% and 12.57%, respectively, at the end of the previous fiscal year to 12.78% and 12.47%. However, the capital adequacy ratios under the domestic standard remained high. - FY2019WorsenedAnnual report
「The capital adequacy ratio as of 31 March 2019 was 12.89% on a consolidated basis and 12.57% on a non-consolidated basis, mainly due to an increase in risk-weighted assets and other items accompanying growth in loans.」
The capital adequacy ratios declined year on year. However, both the consolidated and non-consolidated ratios remained above the domestic minimum level of 4%. - FY2018RestatedAnnual report
「The Bank is subject to the domestic standard under the capital adequacy regulations and is required to maintain consolidated and non-consolidated capital adequacy ratios of at least 4%.」
The risk of falling below the minimum level of 4% continues to be disclosed. Although the actual ratios declined, the consolidated ratio of 13.29% and the non-consolidated ratio of 12.97% remained above the minimum standard. - FY2017MitigatedAnnual report
「31 March 2017 1. Consolidated capital adequacy ratio (2/3) 13.54」
The consolidated capital adequacy ratio was well above the regulatory minimum of 4%, rising from 11.98% in the previous year to 13.54%. - FY2016First statedAnnual report
「The Bank is subject to the domestic standard under the capital adequacy regulations and is required to maintain consolidated and non-consolidated capital adequacy ratios of at least 4%.」
Factors identified as adversely affecting the capital adequacy ratio include declines in securities values, deterioration in credit quality, disposal of non-performing loans, regulatory changes and foreign-exchange fluctuations.