Items | March 31, 2026 | March 31, 2025 | ||
Core capital: instruments and reserves | ||||
Directly issued qualifying common share capital or preferred share capital with a compulsory conversion clause plus related capital surplus and retained earnings | 1,138,646 | 981,480 | ||
of which: capital and capital surplus | 592,352 | 493,962 | ||
of which: retained earnings | 589,875 | 520,584 | ||
of which: treasury stock | (6,327) | (31,267) | ||
of which: earnings to be distributed | (37,254) | (1,800) | ||
of which: other than above | - | - | ||
Accumulated other comprehensive income (amount allowed to be included in Core capital) | 23,274 | 13,520 | ||
of which: foreign currency translation adjustment | 3,518 | 1,422 | ||
of which: amount related defined benefit | 19,756 | 12,097 | ||
Share award rights and stock acquisition rights to common shares and preferred shares with a compulsory | 8 | - | ||
Adjusted noncontrolling interests (amount allowed to be included in Core capital) | 77 | - | ||
Total of reserves included in Core capital: instruments and reserves | 1,162 | 1,022 | ||
of which: general reserve for loan losses included in Core capital | 1,162 | 1,022 | ||
of which: eligible provision included in Core capital | - | - | ||
Eligible noncumulative perpetual preferred shares subject to transitional arrangements (amount allowed to be included in Core capital: instruments and reserves) | - | - | ||
Eligible capital instruments subject to transitional arrangements (amount allowed to be included in Core capital: instruments and reserves) | - | - | ||
Capital instruments issued through measures for capital enhancement by public institutions (amount allowed to be included in Core capital: instruments and reserves) | - | - | ||
Land revaluation excess after 55% discount (amount allowed to be included in Core capital: instruments and | - | - | ||
Noncontrolling interests subject to transitional arrangements (amount allowed to be included in Core capital: instruments and reserves) | 1,210 | - | ||
Core capital: instruments and reserves (A) | 1,164,380 | 996,022 | ||
Core capital: regulatory adjustments | ||||
Total amount of intangible assets (excluding those relating to mortgage servicing rights) | 41,907 | 41,728 | ||
of which: goodwill (including those equivalent) | 6,318 | 7,052 | ||
of which: other intangibles other than goodwill and mortgage servicing rights | 35,589 | 34,675 | ||
Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability) | 2,691 | 1,003 | ||
Shortfall of eligible provisions to expected losses | 37,898 | 32,182 | ||
Gain on sale of securitization | 11,498 | 8,652 | ||
Gains and losses due to changes in own credit risk on fair valued liabilities | - | - | ||
Net defined benefit asset | 35,049 | 25,797 | ||
Investments in own shares (excluding those reported in the net assets section) | - | - | ||
Reciprocal cross-holdings in common equity | - | - | ||
Investments in the capital 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 specific items | - | 3,486 | ||
of which: significant investments in the common stock of Other Financial Institutions, net of eligible short | - | 3,486 | ||
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 specific items | - | - | ||
of which: significant investments in the common stock of Other Financial Institutions, net of eligible short | - | - | ||
of which: mortgage servicing rights | - | - | ||
of which: deferred tax assets arising from temporary differences (net of related tax liability) | - | - | ||
Core capital: regulatory adjustments (B) | 129,045 | 112,852 | ||
Capital | ||||
Capital ((A)-(B))(C) | 1,035,334 | 883,170 | ||
Risk-weighted assets, etc. | ||||
Total amount of credit risk-weighted assets | 9,834,694 | 8,639,944 | ||
of which: total amount included in risk-weighted assets by transitional arrangements | - | - | ||
of which: significant investments in the common stock of Other Financial Institutions (net of eligible short positions) | - | - | ||
of which: other than above | - | - | ||
Market risk (derived by multiplying the capital requirement by 12.5) | 132,112 | 126,821 | ||
Operational risk (derived by multiplying the capital requirement by 12.5) | 726,707 | 695,273 | ||
Output floor applied | - | - | ||
Total amount of Risk-weighted assets(D) | 10,693,514 | 9,462,039 | ||
Capital adequacy ratio (consolidated) | ||||
Capital adequacy ratio (consolidated) (C)/(D) | 9.68% | 9.33% | ||
Total required capital (Consolidated) | 427,740 | 378,481 |
For reference: Common Equity Tier1 Ratio (International Standard) | 9.54% | 8.68% |
Items | March 31, 2026 | March 31, 2025 | ||
Core capital: instruments and reserves | ||||
Directly issued qualifying common share capital or preferred share capital with a compulsory conversion clause plus related capital surplus and retained earnings | 1,013,763 | 914,346 | ||
of which: capital and capital surplus | 599,030 | 500,469 | ||
of which: retained earnings | 458,314 | 446,944 | ||
of which: treasury stock | (6,327) | (31,267) | ||
of which: earnings to be distributed | (37,254) | (1,800) | ||
of which: other than above | - | - | ||
Share award rights and stock acquisition rights to common shares and preferred shares with a compulsory conver | 8 | - | ||
Total of reserves included in Core capital: instruments and reserves | 8 | 6 | ||
of which: general reserve for loan losses included in Core capital | 8 | 6 | ||
of which: eligible provision included in Core capital | - | - | ||
Eligible noncumulative perpetual preferred shares subject to transitional arrangements (amount allowed to be included in Core capital: instruments and reserves) | - | - | ||
Eligible capital instruments subject to transitional arrangements (amount allowed to be included in Core capital: instruments and reserves) | - | - | ||
Capital instruments issued through measures for capital enhancement by public institutions (amount allowed to be included in Core capital: instruments and reserves) | - | - | ||
Land revaluation excess after 55% discount (amount allowed to be included in Core capital: instruments and res | - | - | ||
Core capital: instruments and reserves (A) | 1,013,780 | 914,353 | ||
Core capital: regulatory adjustments | ||||
Total amount of intangible assets (excluding those relating to mortgage servicing rights) | 13,703 | 14,596 | ||
of which: goodwill (including those equivalent) | - | 60 | ||
of which: other intangibles other than goodwill and mortgage servicing rights | 13,703 | 14,536 | ||
Deferred tax assets that rely on future profitability excluding those arising from temporary differences (net of related tax liability) | 136 | 199 | ||
Shortfall of eligible provisions to expected losses | 10,200 | 7,127 | ||
Gain on sale of securitization | 686 | 1,097 | ||
Gains and losses due to changes in own credit risk on fair valued liabilities | - | - | ||
Prepaid Pension Cost | 11,175 | 9,387 | ||
Investments in own shares (excluding those reported in the net assets section) | - | - | ||
Reciprocal cross-holdings in common equity | - | - | ||
Investments in the capital 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 specific items | - | - | ||
of which: significant investments in the common stock of Other Financial Institutions, net of eligible sho | - | - | ||
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 specific items | - | - | ||
of which: significant investments in the common stock of Other Financial Institutions, net of eligible sho | - | - | ||
of which: mortgage servicing rights | - | - | ||
of which: deferred tax assets arising from temporary differences (net of related tax liability) | - | - | ||
Core capital: regulatory adjustments(B) | 35,902 | 32,408 | ||
Capital | ||||
Capital ((A)-(B))(C) | 977,877 | 881,944 | ||
Risk-weighted assets, etc. | ||||
Total amount of credit risk-weighted assets | 7,709,987 | 6,893,844 | ||
of which: total amount included in risk-weighted assets by transitional arrangements | - | - | ||
of which: significant investments in the common stock of Other Financial Institutions (net of eligible short positions) | - | - | ||
of which: other than above | - | - | ||
Market risk (derived by multiplying the capital requirement by 12.5) | 83,247 | 85,751 | ||
Operational risk (derived by multiplying the capital requirement by 12.5) | 348,525 | 322,537 | ||
Output floor applied | - | - | ||
Total amount of Risk-weighted assets(D) | 8,141,760 | 7,302,132 | ||
Capital adequacy ratio (nonconsolidated) | ||||
Capital adequacy ratio (nonconsolidated) (C)/(D) | 12.01% | 12.07% | ||
Total required capital (nonconsolidated) | 325,670 | 292,085 |