Improving Capital Adequacy Ratios and Transition to the Internal Ratings-Based Approach
First written in FY2016. 7 of 28 entries say "Advanced", first in FY2017-Q2. Latest entry: 2026-08-10.
The whole theme swung hardest in 2022: 5 of 15 companies on the "Worse" side.
6 other companies' latest entry also says "Other".
- 2026-08-10OtherEarnings presentation materials
「自己資本比率 12.89 △0.29 13.18」
連結自己資本比率は2026年3月末の13.18％から2026年6月末の12.89％へ低下した。単体も12.80％から12.54％へ低下した。基礎的内部格付手法による算出は継続している。 - FY2026AdvancedAnnual report
「As of 31 March 2026, the capital ratio was 13.18% on a consolidated basis and 12.80% on a non-consolidated basis.」
Under the finalized Basel III framework and the foundation internal ratings-based approach, the consolidated capital ratio rose from 13.00% to 13.18%, while the non-consolidated ratio rose from 12.66% to 12.80%. - FY2026-H1Decline in consolidated capital adequacy ratio at the interim pointAnnual report
「Consolidated capital ratio (domestic standards) (Unit: ¥100 million, %) 30 September 2025 1. Consolidated capital ratio (2/3) 12.83」
The consolidated capital ratio declined from 13.00% at the end of March 2025 to 12.83% at the end of September 2025. The bank continues to apply the foundation internal ratings-based approach. - FY2025Declined year on yearAnnual report
「31 March 2024 14.42 31 March 2025 13.00」
Under the finalized Basel III framework, the consolidated capital ratio declined from 14.42% to 13.00%. - FY2025-H1Decline in the equity ratio in the interim periodAnnual report
「1. Consolidated capital ratio (2/3) 13.75 2. Consolidated capital amount 3,613 3. Risk-weighted assets 26,263」
The consolidated capital ratio declined from 14.42% at 31 March 2024 to 13.75% at 30 September 2024. The bank continues to apply the foundation internal ratings-based approach. - FY2024AdvancedAnnual report
「As of 31 March 2024, the capital ratio, calculated under the finalized Basel III framework, was 14.42% on a consolidated basis and 14.07% on a non-consolidated basis.」
Following the application of the finalized Basel III framework, the consolidated capital ratio rose from 11.78% to 14.42%, while the non-consolidated ratio rose from 11.48% to 14.07%. The bank continues to apply the foundation internal ratings-based approach. - FY2024-Q2Lower Consolidated Equity RatioAnnual report
「1. Consolidated capital ratio (2/3) 11.66 2. Consolidated capital amount 3,413 3. Risk-weighted assets 29,263 4. Consolidated minimum capital requirement 1,170」
The bank continues to apply the foundation internal ratings-based approach, but its consolidated capital ratio declined from 11.78% at 31 March 2023 to 11.66% at 30 September 2023. - FY2024-Q1Increase in the equity ratio, a key indicatorAnnual report
「Capital adequacy ratio % 2.98 3.29 3.22」
The equity ratio, one of the key management indicators, was 3.29% in the first quarter, compared with 2.98% in the same period of the previous year and 3.22% for the previous fiscal year. This ratio is defined differently from the regulatory consolidated capital ratio. - FY2023Lower Consolidated Equity RatioAnnual report
「The capital adequacy ratio as of 31 March 2023 was 11.78% on a consolidated basis and 11.48% on a non-consolidated basis, mainly due to the accumulation of retained earnings.」
The foundation internal ratings-based approach continued to be used, but the consolidated capital adequacy ratio declined from 12.53% to 11.78%, while the non-consolidated ratio declined from 12.17% to 11.48%. - FY2023-Q3Key indicator ratio declinedAnnual report
「Capital adequacy ratio % 3.34 3.25 3.07」
The capital adequacy ratio among key management indicators declined from 3.34% in the same period of the previous year to 3.25%. Meanwhile, it increased from 3.07% in the previous fiscal year. This ratio has a different definition from the regulatory consolidated capital adequacy ratio. - FY2023-Q2Slight consolidated decrease; slight non-consolidated increaseAnnual report
「1. Consolidated capital adequacy ratio (2/3) 12.50 2. Consolidated capital amount 3,580 3. Risk-weighted assets 28,631 4. Total required consolidated capital 1,145 1. Non-consolidated capital adequacy ratio (2/3) 12.20」
The regulatory capital adequacy ratio as of 30 September 2022 was 12.50% on a consolidated basis, a slight decrease from 12.53% as of 31 March 2022, and 12.20% on a non-consolidated basis, a slight increase from 12.17%. The foundation internal ratings-based approach continued to be used. - FY2023-Q1Key indicator ratio declinedAnnual report
「Capital adequacy ratio % 3.63 2.98 3.07」
The capital adequacy ratio among key management indicators declined to 2.98% in the first quarter under review from 3.63% in the same period of the previous year and 3.07% in the previous fiscal year. This ratio has a different definition from the regulatory consolidated capital adequacy ratio. - FY2022AdvancedAnnual report
「The capital adequacy ratio as of 31 March 2022 was 12.53% on a consolidated basis and 12.17% on a non-consolidated basis, mainly due to the accumulation of retained earnings.」
The consolidated capital adequacy ratio increased from 12.41% as of 31 March 2021 to 12.53%, while the non-consolidated ratio increased from 12.07% to 12.17%. The foundation internal ratings-based approach continued to be used. - FY2022-Q3Key indicator ratio declinedAnnual report
「Capital adequacy ratio % 3.7 3.3 3.6」
The capital adequacy ratio among key management indicators declined to 3.3% in the third quarter under review from 3.7% in the same period of the previous year and 3.6% in the previous fiscal year. - FY2022-Q2Both key indicator and regulatory ratios declinedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 12.45」
The regulatory consolidated capital adequacy ratio declined from 12.65% as of 30 September 2020 to 12.45%, while the non-consolidated capital adequacy ratio declined from 12.35% to 12.11%. The foundation internal ratings-based approach continued to be used. The capital adequacy ratio among key management indicators also declined from 3.8% in the same period of the previous year to 3.5%. - FY2022-Q1Key indicator ratio declined; fiscal year level maintainedAnnual report
「Capital adequacy ratio % 3.9 3.6 3.6」
The capital adequacy ratio among key management indicators declined from 3.9% in the same period of the previous year to 3.6%, while the ratio was also 3.6% in the previous fiscal year. This ratio has a different definition from the regulatory consolidated capital adequacy ratio. - FY2021-Q2AdvancedAnnual 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 ratio increased slightly from 12.61% on a consolidated basis and 12.30% on a non-consolidated basis as of 31 March 2020 to 12.65% and 12.35%, respectively, as of 30 September 2020. The foundation internal ratings-based approach continued to be used. - FY2021-Q1Quarterly ratio declinedAnnual report
「Capital adequacy ratio % 4.1 3.9 4.0」
The capital adequacy ratio among key management indicators was 3.9% in the first quarter under review, down from 4.1% in the same period of the previous year and 4.0% in the previous fiscal year. This ratio has a different definition from the regulatory consolidated capital adequacy ratio. - FY2020WorsenedAnnual report
「The capital adequacy ratio as of 31 March 2020 was 12.61% on a consolidated basis and 12.30% on a non-consolidated basis, mainly due to an increase in risk-weighted assets and other items accompanying growth in loans.」
The consolidated capital adequacy ratio declined from 12.89% at the end of the previous fiscal year to 12.61%, while the non-consolidated ratio declined from 12.57% to 12.30%. Meanwhile, the foundation internal ratings-based approach continued to be used. - FY2020-Q2Declined during the interim periodAnnual report
「1. Consolidated capital adequacy ratio (2/3) 12.78 1. Non-consolidated capital adequacy ratio (2/3) 12.47」
The regulatory consolidated capital adequacy ratio declined from 12.89% as of 31 March 2019 to 12.78%, while the non-consolidated ratio declined from 12.57% to 12.47%. The foundation internal ratings-based approach continued to be used. - FY2020-Q1Quarterly ratio declinedAnnual report
「Capital adequacy ratio % 4.4 4.1 4.2」
The capital adequacy ratio among key management indicators was 4.1% in the first quarter under review, down from 4.4% in the same period of the previous year and 4.2% in the previous fiscal year. This ratio is calculated by dividing net assets and other items by total assets and has a different definition from the regulatory consolidated capital adequacy ratio disclosed previously. - FY2019Declined year on yearAnnual 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 consolidated capital adequacy ratio declined from 13.29% to 12.89%, while the non-consolidated ratio declined from 12.97% to 12.57%. The foundation internal ratings-based approach continued to be used. - FY2019-Q2Declined during the interim periodAnnual report
「1. Consolidated capital adequacy ratio (2/3) 13.20」
The consolidated capital adequacy ratio declined from 13.29% as of 31 March 2018 to 13.20%, while the non-consolidated capital adequacy ratio declined from 12.97% to 12.89%. Meanwhile, the foundation internal ratings-based approach continued to be used. - FY2018Declined year on yearAnnual report
「The capital adequacy ratio as of 31 March 2018 was 13.29% on a consolidated basis and 12.97% on a non-consolidated basis, mainly due to an increase in risk-weighted assets and other items accompanying growth in loans.」
The consolidated capital adequacy ratio declined from 13.54% to 13.29%, while the non-consolidated ratio declined from 13.20% to 12.97%; the foundation internal ratings-based approach continued to be used. - FY2018-Q2AdvancedAnnual report
「30 September 2017 1. Consolidated capital adequacy ratio (2/3) 13.57」
The consolidated capital adequacy ratio increased from 13.54% as of 31 March 2017 to 13.57%. The foundation internal ratings-based approach continued to be used. - FY2017AdvancedAnnual report
「The consolidated capital adequacy ratio as of 31 March 2017 was 13.54%, up 1.56 percentage points year on year, due to the accumulation of profits as well as a decrease in adjustments to credit risk assets and other factors.」
The consolidated capital adequacy ratio increased from 11.98% to 13.54%, and the foundation internal ratings-based approach continued to be used. - FY2017-Q2AdvancedAnnual report
「1. Consolidated capital adequacy ratio (2/3) 12.04」
The consolidated capital adequacy ratio increased from 11.98% as of 31 March 2016 to 12.04%. The foundation internal ratings-based approach also continued to be used. - FY2016First statedAnnual report
「The consolidated capital adequacy ratio as of 31 March 2016 was 11.98%, due to the change to the more advanced foundation internal ratings-based approach and the accumulation of profits.」
The consolidated capital adequacy ratio increased from 10.38% in the previous fiscal year to 11.98%, with the change to the foundation internal ratings-based approach and the accumulation of profits cited as factors.