Komori
The Keiyo Bank (8544) · RiskWorsened

Risk of Falling Below Regulatory Capital Ratios

First written in FY2016. 6 of 18 entries say "Mitigated", first in FY2021. Latest entry: FY2026.

18entries
11years
1from disclosures
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How it moved
ProgressHeldSoftenedWorseOtherFY2016 – FY2021-Q2MitigatedFY2025-H1 – FY2026-H12016: 120162017: 120172018: 120182019: 220192020: 220202021: 220212022: 220222023: 120232024: 220242025: 220252026: 22026
Same theme, other companies
Maintenance of a Bank's Capital Adequacy Ratio under Domestic StandardsA theme 45 companies write about · 38 as a headwind · 13 as a tailwind

The Keiyo Bank moved to the "Worse" side of this theme in 2026, 8 years after 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".

Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
Showing 14 of the 45 companies compared. The sentences above are computed from all 45.
Full recordFilings, disclosures and news, newest first
  1. FY2026WorsenedAnnual report

    「Consolidated capital adequacy ratio (domestic standards) 31 March 2026 1. Consolidated capital adequacy ratio (2/3) 10.55 Non-consolidated capital adequacy ratio (domestic standards) 31 March 2026 1. Non-consolidated capital adequacy ratio (2/3) 10.52」

    The consolidated capital adequacy ratio declined from 10.78% at the end of the previous fiscal year to 10.55%, while the non-consolidated ratio fell from 10.75% to 10.52%. However, both remain above the 4% domestic standard.
  2. 2026-05-12WorsenedEarnings

    「The consolidated capital adequacy ratio under domestic standards was 10.55%.」

    The consolidated capital adequacy ratio declined from 10.78% at the end of the previous fiscal year to 10.55%, but remained above the 4% domestic standard.
  3. FY2026-H1MitigatedAnnual report

    「Under domestic standards, the consolidated capital adequacy ratio was 10.99%, and the non-consolidated capital adequacy ratio was 10.96%.」

    The consolidated capital adequacy ratio rose from 10.78% at the end of the previous fiscal year to 10.99%, while the non-consolidated capital adequacy ratio rose from 10.75% to 10.96%, maintaining levels above the domestic standard.
  4. FY2025MitigatedAnnual report

    「Consolidated capital adequacy ratio (domestic standards) (Unit: ¥100 million, %) 31 March 2025 1. Consolidated capital adequacy ratio (2/3) 10.78」

    The consolidated capital adequacy ratio rose from 10.66% at the end of the previous fiscal year to 10.78%, while the non-consolidated capital adequacy ratio rose from 10.64% to 10.75%, maintaining levels above the 4% domestic standard.
  5. FY2025-H1MitigatedAnnual report

    「Under domestic standards, the consolidated capital adequacy ratio was 10.68%, and the non-consolidated capital adequacy ratio was 10.65%.」

    The consolidated capital adequacy ratio rose slightly from 10.66% at the end of the previous fiscal year to 10.68%, while the non-consolidated capital adequacy ratio rose from 10.64% to 10.65%. The ratios remain above the domestic standard.
  6. FY2024WorsenedAnnual report

    「Consolidated capital adequacy ratio (domestic standards) (Unit: ¥100 million, %) 31 March 2024 1. Consolidated capital adequacy ratio (2/3) 10.66」

    The consolidated capital adequacy ratio was 10.66%, and the non-consolidated ratio was 10.64%. Although both declined from 11.17% and 11.15%, respectively, at the end of the previous fiscal year, they remain above the 4% domestic standard.
  7. FY2024-Q2WorsenedAnnual report

    「Under domestic standards, the consolidated capital adequacy ratio was 10.77%, and the non-consolidated capital adequacy ratio was 10.77%.」

    Both the consolidated and non-consolidated capital adequacy ratios were 10.77%. Although they declined from the previously disclosed levels, the total capital requirements under domestic standards were ¥100.5 billion on a consolidated basis and ¥100.2 billion on a non-consolidated basis, and there is no indication that the ratios fell below regulatory levels.
  8. FY2023-Q2MitigatedAnnual report

    「Under domestic standards, the consolidated capital adequacy ratio was 11.22%, and the non-consolidated capital adequacy ratio was 11.19%.」

    The consolidated capital adequacy ratio rose from 11.17% at the end of the previous fiscal year to 11.22%, while the non-consolidated capital adequacy ratio rose from 11.15% to 11.19%.
  9. FY2022Slight decline in capital adequacy ratios, while remaining above targets and regulatory levelsAnnual report

    「Consolidated capital adequacy ratio (domestic standards) (Unit: ¥100 million, %) 31 March 2022 1. Consolidated capital adequacy ratio (2/3) 11.17 Non-consolidated capital adequacy ratio (domestic standards) (Unit: ¥100 million, %) 31 March 2022 1. Non-consolidated capital adequacy ratio (2/3) 11.15」

    The consolidated capital adequacy ratio declined slightly from 11.29% at the end of the previous fiscal year to 11.17%, while the non-consolidated ratio fell from 11.25% to 11.15%, but both remain above the 11% consolidated target under the 19th Medium-Term Management Plan and the 4% domestic standard.
  10. FY2022-Q2MitigatedAnnual report

    「Under domestic standards, the consolidated capital adequacy ratio was 11.35%, and the non-consolidated capital adequacy ratio was 11.31%.」

    The consolidated capital adequacy ratio rose from 11.29% at the end of the previous fiscal year to 11.35%, while the non-consolidated capital adequacy ratio rose from 11.25% to 11.31%. The bank continues to maintain capital adequacy ratios above regulatory levels.
  11. FY2021MitigatedAnnual report

    「連結自己資本比率（国内基準） (単位：億円、％） 2021年３月31日 １．連結自己資本比率（２／３） 11.29」

    The consolidated capital adequacy ratio rose from 10.83% at the end of the previous fiscal year to 11.29%, while the non-consolidated capital adequacy ratio rose from 10.85% to 11.25%. The ratios remain above the domestic standard of 4%.
  12. FY2021-Q2Continued increase in capital adequacy ratioAnnual report

    「国内基準による連結自己資本比率は11.17％、単体自己資本比率は11.19％となりました。」

    連結自己資本比率は2020年3月末の10.83％から11.17％へ、単体自己資本比率は10.85％から11.19％へ上昇した。
  13. FY2020Increase in capital adequacy ratio at fiscal year-endAnnual report

    「なお、当行の2020年３月末の連結自己資本比率は10.83％、単体自己資本比率は10.85％であり、上記の基準値を下回る可能性は極めて小さいものと判断しております。」

    連結自己資本比率は前年度末の10.78％から10.83％、単体自己資本比率は10.78％から10.85％となった。国内基準4％を上回るとの記載も継続している。
  14. FY2020-Q2Increase in equity ratioAnnual report

    「国内基準による連結自己資本比率は11.00％、単体自己資本比率は10.98％となりました。」

    連結・単体の自己資本比率は、前年度末の10.78％からそれぞれ11.00％、10.98％となった。規制水準を下回ったとの記載はない。
  15. FY2019Decline in the Equity RatioAnnual report

    「連結自己資本比率（国内基準）　2019年３月31日　１．連結自己資本比率（２／３）　10.78」

    連結・単体の自己資本比率はいずれも10.78％となり、前年度の10.98％から低下した。規制水準を下回ったとの記載はない。
  16. FY2018RestatedAnnual report

    「当行が法令で求められている自己資本比率の水準を維持できない場合、規制当局から業務の全部または一部の停止等の命令を受ける可能性があります。」

    規制上の自己資本比率を維持できない場合の業務停止リスクを継続記載している。平成30年3月末の連結自己資本比率は10.98％、単体は10.95％である。
  17. FY2017RestatedAnnual report

    「当行が法令で求められている自己資本比率の水準を維持できない場合、規制当局から業務の全部または一部の停止等の命令を受ける可能性があります。」

    自己資本比率規制下での業務停止リスクを継続記載している。平成29年3月末の連結自己資本比率は11.26％、単体は11.23％である。
  18. FY2016First statedAnnual report

    「当行が法令で求められている自己資本比率の水準を維持できない場合、規制当局から業務の全部または一部の停止等の命令を受ける可能性があります。」

    連結自己資本比率11.54％、単体自己資本比率11.52％も開示している。
Moved together

"Sustainable Growth, Transformation and Execution under the 17th Medium-Term Management Plan" moved the same way as this thread, in the same document, in 6 of its 18 moves.

665553★123456
  1. ★This thread
  2. 1Sustainable Growth, Transformation and Execution under the 17th Medium-Term Management Plan6×
  3. 2Sound Management, Retained Earnings and Profit Distribution to Stakeholders6×
  4. 3Expansion of Residential Mortgages and Lending to SMEs in Chiba Prefecture5×
  5. 4Liquidity Risk Arising from Financial-System Stress and Deteriorating Credit Conditions5×
  6. 5Foreign Exchange Risk from Foreign-Currency-Denominated Financial Assets and Liabilities5×
  7. 6Credit Risk Arising from Borrowers, Collateral and Economic Conditions3×

★ is this thread; numbers match the list above. The number on a line is how many documents both moved the same way in; lines between the other threads count the documents they moved together in too. Threads that move together often sit closer.

When this could move next
No upcoming earnings preview for The Keiyo Bank yet. It last moved in the Earnings of 2026-05-12: "Worsened".
News
No news is linked to this thread yet. When an article touches it, it will appear here by date.
Risk of Falling Below Regulatory Capital Ratios | The Keiyo Bank,Ltd. (8544) | Komori