To whom it may concern:
Aug. 12, 2025
Company Name | Fukuoka Financial Group, Inc. |
Representative | Hisashi Goto, Director & President |
Head Office 8-3,Otemon 1 chome,Chuo-ku,Fukuoka | |
(Code No.8354 TSE Prime Market,FSE) | |
Contact | Toshiyuki Asano, General Manager, |
Corporate Planning Division | |
Pursuant to the Financial Services Agency Notification No. 7 of 2014, we hereby announce our Capital Structure Information |
for the First Quarter of the Year Ending March 31, 2026 as attached. |
Items | Jun. 30, 2025 | Mar. 31, 2025 | |
Core Capital: instruments and reserves | |||
Directly issued qualifying common stock or preferred stock mandatorily convertible into common stock capitalplus related capital surplus and retained earnings | 953,700 | 930,823 | |
of which: capital and capital surplus | 268,777 | 268,777 | |
of which: retained earnings | 690,436 | 680,851 | |
of which: treasury stock (-) | 5,513 | 5,554 | |
of which: earnings to be distributed (-) | - | 13,251 | |
of which: other than the above | - | - | |
Accumulated other comprehensive income included in Core Capital | 5,319 | 5,913 | |
of which: foreign currency translation adjustments | - | - | |
of which: remeasurements of defined benefit plans | 5,319 | 5,913 | |
Pre-emptive rights and subscription rights to acquire common stock or preferred stock mandatorily convertible into common stock | - | - | |
Adjusted non-controlling interests (amount allowed to be included in Core Capital) | - | - | |
Reserves included in Core Capital: instruments and reserves | 45,569 | 45,020 | |
of which: general reserve for possible loan losses | 3,984 | 3,994 | |
of which: eligible provisions | 41,584 | 41,026 | |
Eligible Non-cumulative perpetual preferred stock subject to transitional arrangement included in Core Capital: instruments and reserves | - | - | |
Capital instrument issued through the measures for strengthening capital by public institutions included in Core Capital: instruments and reserves | - | - | |
Non-controlling interests included in Core Capital subject to transitional arrangements | - | - | |
Core Capital: instruments and reserves (A) | 1,004,589 | 981,757 | |
Core Capital: regulatory adjustments | |||
Total intangible fixed assets (net of related tax liability, excluding those relating to mortgage servicing rights) | 19,839 | 19,705 | |
of which: goodwill (including those equivalent) | - | - | |
of which: other intangible fixed assets other than goodwill and mortgage servicing rights | 19,839 | 19,705 | |
Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability) | 845 | 989 | |
Shortfall of eligible provisions to expected losses | - | - | |
Gain on sale related to securitisation transactions | - | - | |
Gains and losses due to changes in own credit risk on fair valued liabilities | - | - | |
Net defined benefit asset | 19,296 | 18,731 | |
Investments in own shares (excluding those reported in the Net Assets) | 115 | 121 | |
Reciprocal cross-holdings in relevant capital instruments issued by Other Financial Institutions | - | - | |
Items | Jun. 30, 2025 | Mar. 31, 2025 | ||
Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation ('Other Financial Institutions'), net of eligible short positions, where the bank does not own more than 10% of the issued share capital (amount above the 10% threshold) | - | - | ||
Amount exceeding the 10% threshold on specified items | - | - | ||
of which: significant investments in the common stock of Other Financial Institutions, net of eligible short positions | - | - | ||
of which: mortgage servicing rights | - | - | ||
of which: deferred tax assets arising from temporary differences (net of related tax liability) | - | - | ||
Amount exceeding the 15% threshold on specified items | - | - | ||
of which: significant investments in the common stock of Other Financial Institutions, net of eligible short positions | - | - | ||
of which: mortgage servicing rights | - | - | ||
of which: deferred tax assets arising from temporary differences (net of related tax liability) | - | - | ||
Core Capital: regulatory adjustments (B) | 40,097 | 39,548 | ||
Total capital | ||||
Total capital ((A)-(B)) （Ｃ） | 964,492 | 942,208 | ||
Risk weighted assets | ||||
Credit risk weighted assets | 7,383,607 | 7,283,127 | ||
of which: the amount of risk-weighted assets calculated using the transitional measures for exposures to eligible capital instruments of other financial institutions, etc., less the amount of risk-weighted assets calculated without using the transitional measures | (754) | (750) | ||
Amount equivalent to market risk × 12.5 | - | - | ||
Capital charge for switch between trading book and banking book | - | - | ||
Amount equivalent to operational risk × 12.5 | 327,705 | 327,705 | ||
Output floor | - | - | ||
Total amount of risk weighted assets (D) | 7,711,312 | 7,610,832 | ||
Capital adequacy ratio (consolidated) | ||||
Capital adequacy ratio (consolidated) ((C)/(D)) | 12.50 | % | 12.37 | % |
* Credit risk: Advanced internal ratings-based approach
Items | Jun. 30, 2025 | Mar. 31, 2025 | |
Core Capital: instruments and reserves | |||
Directly issued qualifying common stock or preferred stock mandatorily convertible into common stock capitalplus related capital surplus and retained earnings | 685,801 | 666,804 | |
of which: capital and capital surplus | 142,917 | 142,917 | |
of which: retained earnings | 542,884 | 543,126 | |
of which: treasury stock (-) | - | - | |
of which: earnings to be distributed (-) | - | 19,238 | |
of which: other than the above | - | - | |
Accumulated other comprehensive income included in Core Capital | 3,065 | 3,535 | |
of which: foreign currency translation adjustments | - | - | |
of which: remeasurements of defined benefit plans | 3,065 | 3,535 | |
Pre-emptive rights and subscription rights to acquire common stock or preferred stock mandatorily convertible into common stock | - | - | |
Adjusted non-controlling interests (amount allowed to be included in Core Capital) | - | - | |
Reserves included in Core Capital: instruments and reserves | 31,502 | 31,120 | |
of which: general reserve for possible loan losses | 130 | 144 | |
of which: eligible provisions | 31,372 | 30,976 | |
Eligible Non-cumulative perpetual preferred stock subject to transitional arrangement included in Core Capital: instruments and reserves | - | - | |
Capital instrument issued through the measures for strengthening capital by public institutions included in Core Capital: instruments and reserves | - | - | |
Non-controlling interests included in Core Capital subject to transitional arrangements | - | - | |
Core Capital: instruments and reserves (A) | 720,369 | 701,460 | |
Core Capital: regulatory adjustments | |||
Total intangible fixed assets (net of related tax liability, excluding those relating to mortgage servicing rights) | 11,610 | 11,235 | |
of which: goodwill (including those equivalent) | - | - | |
of which: other intangible fixed assets other than goodwill and mortgage servicing rights | 11,610 | 11,235 | |
Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability) | 6 | - | |
Shortfall of eligible provisions to expected losses | - | - | |
Gain on sale related to securitisation transactions | - | - | |
Gains and losses due to changes in own credit risk on fair valued liabilities | - | - | |
Net defined benefit asset | 9,754 | 9,759 | |
Investments in own shares (excluding those reported in the Net Assets) | - | - | |
Reciprocal cross-holdings in relevant capital instruments issued by Other Financial Institutions | - | - | |
Items | Jun. 30, 2025 | Mar. 31, 2025 | ||
Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation ('Other Financial Institutions'), net of eligible short positions, where the bank does not own more than 10% of the issued share capital (amount above the 10% threshold) | - | - | ||
Amount exceeding the 10% threshold on specified items | 18,355 | 29,986 | ||
of which: significant investments in the common stock of Other Financial Institutions, net of eligible short positions | 18,355 | 29,986 | ||
of which: mortgage servicing rights | - | - | ||
of which: deferred tax assets arising from temporary differences (net of related tax liability) | - | - | ||
Amount exceeding the 15% threshold on specified items | 11,189 | 14,694 | ||
of which: significant investments in the common stock of Other Financial Institutions, net of eligible short positions | 7,008 | 9,085 | ||
of which: mortgage servicing rights | - | - | ||
of which: deferred tax assets arising from temporary differences (net of related tax liability) | 4,181 | 5,608 | ||
Core Capital: regulatory adjustments (B) | 50,916 | 65,676 | ||
Total capital | ||||
Total capital ((A)-(B)) （Ｃ） | 669,453 | 635,783 | ||
Risk weighted assets | ||||
Credit risk weighted assets | 5,390,507 | 5,325,029 | ||
of which: the amount of risk-weighted assets calculated using the transitional measures for exposures to eligible capital instruments of other financial institutions, etc., less the amount of risk-weighted assets calculated without using the transitional measures | - | - | ||
Amount equivalent to market risk × 12.5 | - | - | ||
Capital charge for switch between trading book and banking book | - | - | ||
Amount equivalent to operational risk × 12.5 | 203,513 | 203,513 | ||
Output floor | 395,512 | 405,625 | ||
Total amount of risk weighted assets (D) | 5,989,534 | 5,934,168 | ||
Capital adequacy ratio (consolidated) | ||||
Capital adequacy ratio (consolidated) ((C)/(D)) | 11.17 | % | 10.71 | % |
* Credit risk: Advanced internal ratings-based approach
Items | Jun. 30, 2025 | Mar. 31, 2025 | |
Core Capital: instruments and reserves | |||
Directly issued qualifying common stock or preferred stock mandatorily convertible into common stock capitalplus related capital surplus and retained earnings | 641,117 | 623,205 | |
of which: capital and capital surplus | 142,810 | 142,810 | |
of which: retained earnings | 498,307 | 499,633 | |
of which: treasury stock (-) | - | - | |
of which: earnings to be distributed (-) | - | 19,238 | |
of which: other than the above | - | - | |
Pre-emptive rights and subscription rights to acquire common stock or preferred stock mandatorily convertible into common stock | - | - | |
Reserves included in Core Capital: instruments and reserves | 29,919 | 29,544 | |
of which: general reserve for possible loan losses | 6 | 6 | |
of which: eligible provisions | 29,912 | 29,537 | |
Eligible Non-cumulative perpetual preferred stock subject to transitional arrangement included in Core Capital: instruments and reserves | - | - | |
Capital instrument issued through the measures for strengthening capital by public institutions included in Core Capital: instruments and reserves | - | - | |
Core Capital: instruments and reserves (A) | 671,037 | 652,749 | |
Core Capital: regulatory adjustments | |||
Total intangible fixed assets (net of related tax liability, excluding those relating to mortgage servicing rights) | 11,272 | 10,869 | |
of which: goodwill (including those equivalent) | - | - | |
of which: other intangible fixed assets other than goodwill and mortgage servicing rights | 11,272 | 10,869 | |
Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability) | - | - | |
Shortfall of eligible provisions to expected losses | - | - | |
Gain on sale related to securitisation transactions | - | - | |
Gains and losses due to changes in own credit risk on fair valued liabilities | - | - | |
Prepaid pension cost | 6,689 | 6,224 | |
Investments in own shares (excluding those reported in the Net Assets) | - | - | |
Reciprocal cross-holdings in relevant capital instruments issued by Other Financial Institutions | - | - | |
Items | Jun. 30, 2025 | Mar. 31, 2025 | ||
Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation ('Other Financial Institutions'), net of eligible short positions, where the bank does not own more than 10% of the issued share capital (amount above the 10% threshold) | - | - | ||
Amount exceeding the 10% threshold on specified items | 22,953 | 34,472 | ||
of which: significant investments in the common stock of Other Financial Institutions, net of eligible short positions | 22,953 | 34,472 | ||
of which: mortgage servicing rights | - | - | ||
of which: deferred tax assets arising from temporary differences (net of related tax liability) | - | - | ||
Amount exceeding the 15% threshold on specified items | 3,189 | 6,567 | ||
of which: significant investments in the common stock of Other Financial Institutions, net of eligible short positions | 2,142 | 4,359 | ||
of which: mortgage servicing rights | - | - | ||
of which: deferred tax assets arising from temporary differences (net of related tax liability) | 1,047 | 2,207 | ||
Core Capital: regulatory adjustments (B) | 44,105 | 58,134 | ||
Total capital | ||||
Total capital ((A)-(B)) （Ｃ） | 626,932 | 594,614 | ||
Risk weighted assets | ||||
Credit risk weighted assets | 5,118,992 | 5,056,112 | ||
of which: the amount of risk-weighted assets calculated using the transitional measures for exposures to eligible capital instruments of other financial institutions, etc., less the amount of risk-weighted assets calculated without using the transitional measures | - | - | ||
Amount equivalent to market risk × 12.5 | - | - | ||
Capital charge for switch between trading book and banking book | - | - | ||
Amount equivalent to operational risk × 12.5 | 192,271 | 192,271 | ||
Output floor | 364,763 | 369,462 | ||
Total amount of risk weighted assets (D) | 5,676,027 | 5,617,846 | ||
Capital adequacy ratio (consolidated) | ||||
Capital adequacy ratio (consolidated) ((C)/(D)) | 11.04 | % | 10.58 | % |
* Credit risk: Advanced internal ratings-based approach
Items | Jun. 30, 2025 | Mar. 31, 2025 | |
Core Capital: instruments and reserves | |||
Directly issued qualifying common stock or preferred stock mandatorily convertible into common stock capitalplus related capital surplus and retained earnings | 89,497 | 88,078 | |
of which: capital and capital surplus | 67,694 | 67,694 | |
of which: retained earnings | 21,803 | 24,843 | |
of which: treasury stock (-) | - | - | |
of which: earnings to be distributed (-) | - | 4,459 | |
of which: other than the above | - | - | |
Pre-emptive rights and subscription rights to acquire common stock or preferred stock mandatorily convertible into common stock | - | - | |
Reserves included in Core Capital: instruments and reserves | 3,827 | 3,789 | |
of which: general reserve for possible loan losses | - | - | |
of which: eligible provisions | 3,827 | 3,789 | |
Eligible Non-cumulative perpetual preferred stock subject to transitional arrangement included in Core Capital: instruments and reserves | - | - | |
Capital instrument issued through the measures for strengthening capital by public institutions included in Core Capital: instruments and reserves | - | - | |
Core Capital: instruments and reserves (A) | 93,324 | 91,868 | |
Core Capital: regulatory adjustments | |||
Total intangible fixed assets (net of related tax liability, excluding those relating to mortgage servicing rights) | 1,112 | 1,104 | |
of which: goodwill (including those equivalent) | - | - | |
of which: other intangible fixed assets other than goodwill and mortgage servicing rights | 1,112 | 1,104 | |
Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability) | - | - | |
Shortfall of eligible provisions to expected losses | - | - | |
Gain on sale related to securitisation transactions | - | - | |
Gains and losses due to changes in own credit risk on fair valued liabilities | - | - | |
Prepaid pension cost | 2,645 | 2,506 | |
Investments in own shares (excluding those reported in the Net Assets) | - | - | |
Reciprocal cross-holdings in relevant capital instruments issued by Other Financial Institutions | - | - | |
Items | Jun. 30, 2025 | Mar. 31, 2025 | ||
Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation ('Other Financial Institutions'), net of eligible short positions, where the bank does not own more than 10% of the issued share capital (amount above the 10% threshold) | - | - | ||
Amount exceeding the 10% threshold on specified items | - | 86 | ||
of which: significant investments in the common stock of Other Financial Institutions, net of eligible short positions | - | - | ||
of which: mortgage servicing rights | - | - | ||
of which: deferred tax assets arising from temporary differences (net of related tax liability) | - | 86 | ||
Amount exceeding the 15% threshold on specified items | - | - | ||
of which: significant investments in the common stock of Other Financial Institutions, net of eligible short positions | - | - | ||
of which: mortgage servicing rights | - | - | ||
of which: deferred tax assets arising from temporary differences (net of related tax liability) | - | - | ||
Core Capital: regulatory adjustments (B) | 3,758 | 3,697 | ||
Total capital | ||||
Total capital ((A)-(B)) （Ｃ） | 89,566 | 88,171 | ||
Risk weighted assets | ||||
Credit risk weighted assets | 641,875 | 636,505 | ||
of which: the amount of risk-weighted assets calculated using the transitional measures for exposures to eligible capital instruments of other financial institutions, etc., less the amount of risk-weighted assets calculated without using the transitional measures | - | - | ||
Amount equivalent to market risk × 12.5 | - | - | ||
Capital charge for switch between trading book and banking book | - | - | ||
Amount equivalent to operational risk × 12.5 | 24,202 | 24,202 | ||
Output floor | 169,589 | 159,122 | ||
Total amount of risk weighted assets (D) | 835,667 | 819,830 | ||
Capital adequacy ratio (consolidated) | ||||
Capital adequacy ratio (consolidated) ((C)/(D)) | 10.71 | % | 10.75 | % |
* Credit risk: Foundation internal ratings-based approach
Items | Jun. 30, 2025 | Mar. 31, 2025 | |
Core Capital: instruments and reserves | |||
Directly issued qualifying common stock or preferred stock mandatorily convertible into common stock capitalplus related capital surplus and retained earnings | 228,559 | 223,481 | |
of which: capital and capital surplus | 118,075 | 118,075 | |
of which: retained earnings | 110,484 | 116,952 | |
of which: treasury stock (-) | - | - | |
of which: earnings to be distributed (-) | - | 11,545 | |
of which: other than the above | - | - | |
Pre-emptive rights and subscription rights to acquire common stock or preferred stock mandatorily convertible into common stock | - | - | |
Reserves included in Core Capital: instruments and reserves | 6,761 | 7,578 | |
of which: general reserve for possible loan losses | - | - | |
of which: eligible provisions | 6,761 | 7,578 | |
Eligible Non-cumulative perpetual preferred stock subject to transitional arrangement included in Core Capital: instruments and reserves | - | - | |
Capital instrument issued through the measures for strengthening capital by public institutions included in Core Capital: instruments and reserves | - | - | |
Core Capital: instruments and reserves (A) | 235,321 | 231,060 | |
Core Capital: regulatory adjustments | |||
Total intangible fixed assets (net of related tax liability, excluding those relating to mortgage servicing rights) | 2,361 | 2,428 | |
of which: goodwill (including those equivalent) | - | - | |
of which: other intangible fixed assets other than goodwill and mortgage servicing rights | 2,361 | 2,428 | |
Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability) | 843 | 1,028 | |
Shortfall of eligible provisions to expected losses | - | - | |
Gain on sale related to securitisation transactions | - | - | |
Gains and losses due to changes in own credit risk on fair valued liabilities | - | - | |
Prepaid pension cost | 2,842 | 2,389 | |
Investments in own shares (excluding those reported in the Net Assets) | - | - | |
Reciprocal cross-holdings in relevant capital instruments issued by Other Financial Institutions | - | - | |
Items | Jun. 30, 2025 | Mar. 31, 2025 | ||
Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation ('Other Financial Institutions'), net of eligible short positions, where the bank does not own more than 10% of the issued share capital (amount above the 10% threshold) | - | - | ||
Amount exceeding the 10% threshold on specified items | - | - | ||
of which: significant investments in the common stock of Other Financial Institutions, net of eligible short positions | - | - | ||
of which: mortgage servicing rights | - | - | ||
of which: deferred tax assets arising from temporary differences (net of related tax liability) | - | - | ||
Amount exceeding the 15% threshold on specified items | - | - | ||
of which: significant investments in the common stock of Other Financial Institutions, net of eligible short positions | - | - | ||
of which: mortgage servicing rights | - | - | ||
of which: deferred tax assets arising from temporary differences (net of related tax liability) | - | - | ||
Core Capital: regulatory adjustments (B) | 6,048 | 5,846 | ||
Total capital | ||||
Total capital ((A)-(B)) （Ｃ） | 229,273 | 225,214 | ||
Risk weighted assets | ||||
Credit risk weighted assets | 1,753,508 | 1,695,461 | ||
of which: the amount of risk-weighted assets calculated using the transitional measures for exposures to eligible capital instruments of other financial institutions, etc., less the amount of risk-weighted assets calculated without using the transitional measures | - | - | ||
Amount equivalent to market risk × 12.5 | - | - | ||
Capital charge for switch between trading book and banking book | - | - | ||
Amount equivalent to operational risk × 12.5 | 57,538 | 57,538 | ||
Output floor | 262,967 | 245,074 | ||
Total amount of risk weighted assets (D) | 2,074,015 | 1,998,074 | ||
Capital adequacy ratio (consolidated) | ||||
Capital adequacy ratio (consolidated) ((C)/(D)) | 11.05 | % | 11.27 | % |
* Credit risk: Foundation internal ratings-based approach
Items | Jun. 30, 2025 | Mar. 31, 2025 | |
Core Capital: instruments and reserves | |||
Directly issued qualifying common stock or preferred stock mandatorily convertible into common stock capitalplus related capital surplus and retained earnings | 23,642 | 23,609 | |
of which: capital and capital surplus | 6,703 | 6,703 | |
of which: retained earnings | 16,938 | 17,171 | |
of which: treasury stock (-) | - | - | |
of which: earnings to be distributed (-) | - | 266 | |
of which: other than the above | - | - | |
Pre-emptive rights and subscription rights to acquire common stock or preferred stock mandatorily convertible into common stock | - | - | |
Reserves included in Core Capital: instruments and reserves | 3,224 | 3,274 | |
of which: general reserve for possible loan losses | 3,224 | 3,274 | |
of which: eligible provisions | - | - | |
Eligible Non-cumulative perpetual preferred stock subject to transitional arrangement included in Core Capital: instruments and reserves | - | - | |
Capital instrument issued through the measures for strengthening capital by public institutions included in Core Capital: instruments and reserves | - | - | |
Core Capital: instruments and reserves (A) | 26,867 | 26,883 | |
Core Capital: regulatory adjustments | |||
Total intangible fixed assets (net of related tax liability, excluding those relating to mortgage servicing rights) | 176 | 164 | |
of which: goodwill (including those equivalent) | - | - | |
of which: other intangible fixed assets other than goodwill and mortgage servicing rights | 176 | 164 | |
Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability) | 165 | 175 | |
Shortfall of eligible provisions to expected losses | - | - | |
Gain on sale related to securitisation transactions | - | - | |
Gains and losses due to changes in own credit risk on fair valued liabilities | - | - | |
Prepaid pension cost | 1,881 | 1,852 | |
Investments in own shares (excluding those reported in the Net Assets) | - | - | |
Reciprocal cross-holdings in relevant capital instruments issued by Other Financial Institutions | - | - | |
Items | Jun. 30, 2025 | Mar. 31, 2025 | ||
Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation ('Other Financial Institutions'), net of eligible short positions, where the bank does not own more than 10% of the issued share capital (amount above the 10% threshold) | - | - | ||
Amount exceeding the 10% threshold on specified items | - | - | ||
of which: significant investments in the common stock of Other Financial Institutions, net of eligible short positions | - | - | ||
of which: mortgage servicing rights | - | - | ||
of which: deferred tax assets arising from temporary differences (net of related tax liability) | - | - | ||
Amount exceeding the 15% threshold on specified items | - | - | ||
of which: significant investments in the common stock of Other Financial Institutions, net of eligible short positions | - | - | ||
of which: mortgage servicing rights | - | - | ||
of which: deferred tax assets arising from temporary differences (net of related tax liability) | - | - | ||
Core Capital: regulatory adjustments (B) | 2,223 | 2,192 | ||
Total capital | ||||
Total capital ((A)-(B)) （Ｃ） | 24,643 | 24,690 | ||
Risk weighted assets | ||||
Credit risk weighted assets | 257,995 | 261,931 | ||
of which: the amount of risk-weighted assets calculated using the transitional measures for exposures to eligible capital instruments of other financial institutions, etc., less the amount of risk-weighted assets calculated without using the transitional measures | (754) | (750) | ||
Amount equivalent to market risk × 12.5 | - | - | ||
Capital charge for switch between trading book and banking book | - | - | ||
Amount equivalent to operational risk × 12.5 | 13,343 | 13,343 | ||
Output floor | - | - | ||
Total amount of risk weighted assets (D) | 271,339 | 275,275 | ||
Capital adequacy ratio (consolidated) | ||||
Capital adequacy ratio (consolidated) ((C)/(D)) | 9.08 | % | 8.96 | % |
* Credit risk: Standardised approach
Items | Jun. 30, 2025 | Mar. 31, 2025 | |
Core Capital: instruments and reserves | |||
Directly issued qualifying common stock or preferred stock mandatorily convertible into common stock capitalplus related capital surplus and retained earnings | 10,838 | 5,925 | |
of which: capital and capital surplus | 17,389 | 11,389 | |
of which: retained earnings | (6,551) | (5,463) | |
of which: treasury stock (-) | - | - | |
of which: earnings to be distributed (-) | - | - | |
of which: other than the above | - | - | |
Pre-emptive rights and subscription rights to acquire common stock or preferred stock mandatorily convertible into common stock | - | - | |
Reserves included in Core Capital: instruments and reserves | 281 | 261 | |
of which: general reserve for possible loan losses | 281 | 261 | |
of which: eligible provisions | - | - | |
Eligible Non-cumulative perpetual preferred stock subject to transitional arrangement included in Core Capital: instruments and reserves | - | - | |
Capital instrument issued through the measures for strengthening capital by public institutions included in Core Capital: instruments and reserves | - | - | |
Core Capital: instruments and reserves (A) | 11,119 | 6,187 | |
Core Capital: regulatory adjustments | |||
Total intangible fixed assets (net of related tax liability, excluding those relating to mortgage servicing rights) | - | - | |
of which: goodwill (including those equivalent) | - | - | |
of which: other intangible fixed assets other than goodwill and mortgage servicing rights | - | - | |
Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability) | - | - | |
Shortfall of eligible provisions to expected losses | - | - | |
Gain on sale related to securitisation transactions | - | - | |
Gains and losses due to changes in own credit risk on fair valued liabilities | - | - | |
Prepaid pension cost | - | - | |
Investments in own shares (excluding those reported in the Net Assets) | - | - | |
Reciprocal cross-holdings in relevant capital instruments issued by Other Financial Institutions | - | - | |
Items | Jun. 30, 2025 | Mar. 31, 2025 | ||
Investments in the capital of banking, financial and insurance entities that are outside the scope of regulatory consolidation ('Other Financial Institutions'), net of eligible short positions, where the bank does not own more than 10% of the issued share capital (amount above the 10% threshold) | - | - | ||
Amount exceeding the 10% threshold on specified items | - | - | ||
of which: significant investments in the common stock of Other Financial Institutions, net of eligible short positions | - | - | ||
of which: mortgage servicing rights | - | - | ||
of which: deferred tax assets arising from temporary differences (net of related tax liability) | - | - | ||
Amount exceeding the 15% threshold on specified items | - | - | ||
of which: significant investments in the common stock of Other Financial Institutions, net of eligible short positions | - | - | ||
of which: mortgage servicing rights | - | - | ||
of which: deferred tax assets arising from temporary differences (net of related tax liability) | - | - | ||
Core Capital: regulatory adjustments (B) | - | - | ||
Total capital | ||||
Total capital ((A)-(B)) （Ｃ） | 11,119 | 6,187 | ||
Risk weighted assets | ||||
Credit risk weighted assets | 22,487 | 20,928 | ||
of which: the amount of risk-weighted assets calculated using the transitional measures for exposures to eligible capital instruments of other financial institutions, etc., less the amount of risk-weighted assets calculated without using the transitional measures | - | - | ||
Amount equivalent to market risk × 12.5 | - | - | ||
Capital charge for switch between trading book and banking book | - | - | ||
Amount equivalent to operational risk × 12.5 | 2,776 | 2,776 | ||
Output floor | - | - | ||
Total amount of risk weighted assets (D) | 25,264 | 23,704 | ||
Capital adequacy ratio (consolidated) | ||||
Capital adequacy ratio (consolidated) ((C)/(D)) | 44.01 | % | 26.10 | % |
* Credit risk: Standardised approach