Risk of a Decline in the Capital Adequacy Ratio and Falling Below Regulatory Standards
First written in FY2016. 15 of 35 entries say "Mitigated", first in FY2019-Q2. Latest entry: 2026-11-09.
Tomato Bank 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: 11 of 46 companies on the "Worse" side.
6 other companies' latest entry also says "Advanced".
- FY2026MitigatedAnnual report
「The consolidated capital adequacy ratio (domestic standard) increased 0.16% from the end of the previous fiscal year to 9.18%. This was well above the 4% required under the domestic standard. This resulted from efforts to rigorously control risk-weighted assets in pursuit of the target under the medium-term management plan, the “Fourth Mirai Creation Plan,” of a capital adequacy ratio of at least 8%.」
The consolidated capital adequacy ratio rose from 9.02% to 9.18%, continuing to exceed the 4% domestic standard and the Fourth Mirai Creation Plan’s target of at least 8%. The standalone capital adequacy ratio also reached 9.04%. - 2026-05-13MitigatedResults
「連結自己資本比率は9.18％となり、2025年３月末比0.16％上昇しました。」
連結自己資本比率は9.02％から9.18％へ上昇し、国内基準の所要自己資本比率4％を上回る水準を維持している。 - FY2026-H1MitigatedAnnual report
「The consolidated capital adequacy ratio (domestic standard) increased 0.25 percentage points from 31 March 2025 to 9.27%. The standalone capital adequacy ratio (domestic standard) also increased 0.25 percentage points to 9.14%.」
The consolidated capital adequacy ratio rose from 9.02% to 9.27%, remaining above the 4% required under the domestic standard. - FY2025MitigatedAnnual report
「The consolidated capital adequacy ratio (domestic standard) increased 0.32% from the previous fiscal year to 9.02%. This was well above the 4% required under the domestic standard. This resulted from efforts to rigorously control risk-weighted assets in pursuit of the target under the medium-term management plan, the “Fourth Mirai Creation Plan,” of a capital adequacy ratio of at least 8%.」
The consolidated capital adequacy ratio rose from 8.70% to 9.02%, exceeding the 4% domestic standard and the Fourth Mirai Creation Plan’s target of at least 8%. - FY2025-H1MitigatedAnnual report
「The consolidated capital adequacy ratio (domestic standard) increased 0.18 percentage points from 31 March 2024 to 8.88%. The standalone capital adequacy ratio (domestic standard) also increased 0.16 percentage points to 8.78%.」
The consolidated capital adequacy ratio rose from 8.70% as of 31 March 2024 to 8.88%, maintaining a level above the 4% required under the domestic standard. - FY2024Slight decline in the capital adequacy ratio while continuing to exceed the regulatory standardAnnual report
「The consolidated capital adequacy ratio (domestic standard) decreased 0.01% from the previous fiscal year to 8.70%. This was well above the 4% required under the domestic standard.」
The consolidated capital adequacy ratio edged down from 8.71% in the previous fiscal year to 8.70%, but remained above the 4% domestic standard and the Third Mirai Creation Plan’s target of at least 8%. - FY2024-Q3RestatedAnnual report
「The consolidated capital adequacy ratio (domestic standard) as of 30 September 2023, calculated using the formula prescribed in Financial Services Agency Notification No. 19 of 2006 pursuant to Article 14-2 of the Banking Act, was 8.81%.」
The consolidated capital adequacy ratio of 8.81% as of 30 September 2023 is restated, confirming a level above the 4% domestic standard and the medium-term plan’s target of at least 8%. - FY2024-Q2MitigatedAnnual report
「The consolidated capital adequacy ratio (domestic standard) increased 0.10 percentage points from 31 March 2023 to 8.81%. The standalone capital adequacy ratio (domestic standard) also increased 0.08 percentage points to 8.75%.」
The consolidated capital adequacy ratio rose from 8.71% as of 31 March 2023 to 8.81%, maintaining a level above the 4% domestic standard. - FY2024-Q1RestatedAnnual report
「The consolidated capital adequacy ratio as of 31 March 2023, calculated using the formula prescribed in Financial Services Agency Notification No. 19 of 2006 pursuant to Article 14-2 of the Banking Act (Basel III domestic standard), was 8.71%.」
The consolidated capital adequacy ratio of 8.71% as of 31 March 2023 is restated, confirming a level above the 4% domestic standard and the Third Mirai Creation Plan’s target of at least 8%. - FY2023Decline in the capital adequacy ratio while maintaining the target levelAnnual report
「The consolidated capital adequacy ratio (domestic standard) decreased 0.14% from the previous fiscal year to 8.71%. This was well above the 4% required under the domestic standard. This resulted from efforts to rigorously control risk-weighted assets in pursuit of the target under the medium-term management plan, the “Third Mirai Creation Plan,” of a capital adequacy ratio of at least 8%.」
The consolidated capital adequacy ratio declined from 8.85% to 8.71%, but remained above the 4% regulatory standard and the medium-term plan’s target of at least 8%. - FY2023-Q3RestatedAnnual report
「The consolidated capital adequacy ratio (domestic standard) as of 30 September 2022, calculated using the formula prescribed in Financial Services Agency Notification No. 19 of 2006 pursuant to Article 14-2 of the Banking Act, was 8.88%.」
The consolidated capital adequacy ratio of 8.88% as of 30 September 2022 is restated, confirming a level above the 4% domestic standard and the Third Mirai Creation Plan’s target of at least 8%. - FY2023-Q2MitigatedAnnual report
「The consolidated capital adequacy ratio (domestic standard) increased 0.03 percentage points from 31 March 2022 to 8.88%. The standalone capital adequacy ratio (domestic standard) also increased 0.01 percentage points to 8.82%.」
The consolidated capital adequacy ratio rose from 8.85% to 8.88%, while the standalone capital adequacy ratio rose from 8.81% to 8.82%, maintaining levels above the 4% domestic standard and the Third Mirai Creation Plan’s target of at least 8%. quantified is determined to be true and materialized false. - FY2023-Q1RestatedAnnual report
「The consolidated capital adequacy ratio as of 31 March 2022, calculated using the formula prescribed in Financial Services Agency Notification No. 19 of 2006 pursuant to Article 14-2 of the Banking Act (Basel III domestic standard), was 8.85%.」
The consolidated capital adequacy ratio of 8.85% as of 31 March 2022 is restated, confirming a level above the 4% domestic standard and the Third Mirai Creation Plan’s target of at least 8%. - FY2022MitigatedAnnual report
「The consolidated capital adequacy ratio (domestic standard) increased 0.48 percentage points from the previous fiscal year to 8.85%. This was well above the 4% required under the domestic standard. This resulted from efforts to rigorously control risk-weighted assets in pursuit of the target under the medium-term management plan, the “Third Mirai Creation Plan,” of a capital adequacy ratio of at least 8%.」
The consolidated capital adequacy ratio rose from 8.37% to 8.85%, exceeding the 4% regulatory standard and the Third Plan’s target of at least 8%. - FY2022-Q2MitigatedAnnual report
「The consolidated capital adequacy ratio (domestic standard) increased 0.01 percentage points from 31 March 2021 to 8.38%. The standalone capital adequacy ratio (domestic standard) also increased 0.02 percentage points to 8.34%.」
The consolidated capital adequacy ratio rose from 8.37% as of 31 March 2021 to 8.38%, while the standalone ratio rose from 8.32% to 8.34%. The ratios remained above the 4% required under the domestic standard. - FY2022-Q1RestatedAnnual report
「The capital adequacy ratio is calculated by dividing total net assets at the end of the (quarterly) period, less non-controlling interests at the end of the (quarterly) period, by total assets at the end of the (quarterly) period. The consolidated capital adequacy ratio as of 31 March 2021, calculated using the formula prescribed in Financial Services Agency Notification No. 19 of 2006 pursuant to Article 14-2 of the Banking Act (Basel III domestic standard), was 8.37%.」
The consolidated capital adequacy ratio under the Banking Act is restated at 8.37% as of 31 March 2021. The simplified capital adequacy ratio at the end of the quarter was 3.94%, but no new change in the regulatory ratio was indicated. - FY2021MitigatedAnnual report
「The consolidated capital adequacy ratio (Basel III domestic standard) increased 0.30 percentage points from the previous fiscal year to 8.37%. This was well above the 4% required under the domestic standard.」
The consolidated capital adequacy ratio rose from 8.07% to 8.37%, exceeding the Second Plan’s 2020 target of at least 8%. The new Third Plan also sets a target of at least 8%. - FY2021-Q2MitigatedAnnual report
「The consolidated capital adequacy ratio (domestic standard) increased 0.26 percentage points from 31 March 2020 to 8.33%. The standalone capital adequacy ratio (domestic standard) also increased 0.25 percentage points to 8.34%.」
The consolidated capital adequacy ratio rose from 8.07% as of 31 March 2020 to 8.33%, maintaining a level above the 4% domestic standard. - FY2021-Q1RestatedAnnual report
「The capital adequacy ratio is calculated by dividing total net assets at the end of the (quarterly) period, less non-controlling interests at the end of the (quarterly) period, by total assets at the end of the (quarterly) period. The consolidated capital adequacy ratio as of 31 March 2020, calculated using the formula prescribed in Financial Services Agency Notification No. 19 of 2006 pursuant to Article 14-2 of the Banking Act (Basel III domestic standard), was 8.07%.」
The consolidated capital adequacy ratio under the Banking Act is restated at 8.07% as of 31 March 2020. The simplified capital adequacy ratio at the end of the quarter was 3.95%, but no new change in the regulatory ratio was indicated. - FY2020MitigatedAnnual report
「The consolidated capital adequacy ratio (domestic standard) increased 0.07 percentage points from the previous fiscal year to 8.07%. This was well above the 4% required under the domestic standard. This resulted from efforts to rigorously control risk-weighted assets appropriately in pursuit of the 2020 target under the medium-term management plan, the “Second Mirai Creation Plan,” of a capital adequacy ratio of at least 8%.」
The consolidated capital adequacy ratio rose to 8.07%, exceeding the 4% domestic standard and maintaining the medium-term plan’s 2020 target of at least 8%. - FY2020-Q2MitigatedAnnual report
「The consolidated capital adequacy ratio under the domestic standard increased by 0.02% from the end of March 2019 to 8.02%. The standalone capital adequacy ratio under the domestic standard also increased by 0.04% to 8.09%.」
Both the consolidated and standalone capital adequacy ratios increased from the end of March 2019, with the consolidated ratio remaining at 8% or above. - FY2020-Q1RestatedAnnual report
「The capital adequacy ratio is calculated by dividing total net assets at the end of the (quarterly) period less non-controlling interests at the end of the (quarterly) period by total assets at the end of the (quarterly) period. (The consolidated capital adequacy ratio under the Basel III domestic standard at the end of March 2019, calculated using the formula prescribed in Financial Services Agency Notification No. 19 of 2006 pursuant to Article 14-2 of the Banking Act, was 8.00%.)」
The capital adequacy ratio among the key management indicators was 3.99%, while the consolidated capital adequacy ratio under the Banking Act at the end of March 2019 was restated at 8.00%. The disclosure continues to show a level of at least 8%, the fiscal 2020 target. - FY2019Slight decline in capital adequacy ratio and achievement of targetAnnual report
「The consolidated capital adequacy ratio under the domestic standard decreased by 0.07% year on year to 8.00%. This was well above the 4% required under the domestic standard. This resulted from efforts to ensure appropriate control of risk-weighted assets toward achieving the capital adequacy ratio target of at least 8% for fiscal 2020 under the Second Mirai Sosei Plan, the medium-term management plan.」
The consolidated capital adequacy ratio decreased from 8.07% to 8.00%, but remained above the 4% regulatory standard and reached the fiscal 2020 target of at least 8%. - FY2019-Q2MitigatedAnnual report
「The consolidated capital adequacy ratio under the domestic standard increased by 0.15% from the end of March 2018 to 8.22%. The standalone capital adequacy ratio under the domestic standard also increased by 0.13% to 8.25%.」
Both the consolidated and standalone capital adequacy ratios increased from the end of March 2018, to 8.22% and 8.25%, respectively. - FY2019-Q1RestatedAnnual report
「The capital adequacy ratio is calculated by dividing total net assets at the end of the (quarterly) period less non-controlling interests at the end of the (quarterly) period by total assets at the end of the (quarterly) period. (The consolidated capital adequacy ratio under the Basel III domestic standard at the end of March 2018, calculated using the formula prescribed pursuant to Article 14-2 of the Banking Act, was 8.07%.)」
The quarterly key performance indicators disclose a capital adequacy ratio of 3.81%, while the consolidated capital adequacy ratio under the Banking Act is restated at 8.07% as of the end of March 2018, with no new change in the regulatory ratio indicated. - FY2018WorsenedAnnual report
「The consolidated capital adequacy ratio under the domestic standard decreased by 0.54% year on year to 8.07%. This was well above the 4% required under the domestic standard.」
The consolidated capital adequacy ratio decreased from 8.61% to 8.07%, a decline of 0.54 percentage points, but remained above the 4% domestic standard. - FY2018-Q3RestatedAnnual report
「The capital adequacy ratio is calculated by dividing total net assets at the end of the (quarterly) period less non-controlling interests at the end of the (quarterly) period by total assets at the end of the (quarterly) period. (The consolidated capital adequacy ratio under the domestic standard at the end of September 2017, calculated using the formula prescribed in Financial Services Agency Notification No. 19 of 2006 pursuant to Article 14-2 of the Banking Act, was 8.50%.)」
The consolidated capital adequacy ratio under the domestic standard at the end of September 2017 was restated at 8.50%, with no new change from the level reported in the previous quarterly report. - FY2018-Q2WorsenedAnnual report
「The consolidated capital adequacy ratio under the domestic standard decreased by 0.11% from the end of March 2017 to 8.50%. The standalone capital adequacy ratio under the domestic standard also decreased by 0.12% to 8.54%.」
The consolidated capital adequacy ratio decreased from 8.61% at the end of March 2017 to 8.50%, while the standalone ratio decreased from 8.66% to 8.54%. - FY2018-Q1RestatedAnnual report
「The capital adequacy ratio is calculated by dividing total net assets at the end of the (quarterly) period less non-controlling interests at the end of the (quarterly) period by total assets at the end of the (quarterly) period. (The consolidated capital adequacy ratio under the Basel III domestic standard at the end of March 2017, calculated using the formula prescribed in Financial Services Agency Notification No. 19 of 2006 pursuant to Article 14-2 of the Banking Act, was 8.61%.)」
The consolidated capital adequacy ratio under the Basel III domestic standard at the end of March 2017 was restated at 8.61%, with no new change in the ratio indicated. - FY2017WorsenedAnnual report
「The consolidated capital adequacy ratio under the domestic standard decreased by 0.16% year on year to 8.61%. This was well above the 4% required under the domestic standard.」
The consolidated capital adequacy ratio decreased from 8.77% to 8.61%, a decline of 0.16 percentage points, but remained above the 4% domestic standard. - FY2017-Q3RestatedAnnual report
「(The consolidated capital adequacy ratio under the domestic standard at 30 September 2016, calculated using the formula prescribed in Financial Services Agency Notification No. 19 of 2006 pursuant to Article 14-2 of the Banking Act, was 8.47%.)」
The consolidated capital adequacy ratio under the domestic standard at 30 September 2016 was restated at 8.47%, with no new change from the level reported in the previous quarterly report. - FY2017-Q2WorsenedAnnual report
「The consolidated capital adequacy ratio under the domestic standard decreased by 0.30% from March 2016 to 8.47%. The standalone capital adequacy ratio under the domestic standard also decreased by 0.30% to 8.53%.」
The disclosure states that both the consolidated and standalone capital adequacy ratios decreased by 0.30 percentage points from the end of March 2016. - FY2016First statedAnnual report
「Under Article 14-2 of the Banking Act, the Company is required to maintain a capital adequacy ratio of at least 4%, the domestic standard established as the criterion for determining whether a bank's capital adequacy is appropriate in light of its assets and other holdings.」
The consolidated capital adequacy ratio was 8.77%, above the 4% domestic standard. The disclosure also notes the possibility of a decline due to the expiry of the period during which subordinated debt may be included, the disposal of non-performing loans, and valuation losses on securities.