Chugin Financial Group,Inc.
Regarding the Tier 1 Capital Ratio at the End of the Third Quarter of the Fiscal Year Ending March 2026
The Tier 1 capital ratio at the end of the third quarter of the fiscal year ending March 2026 was 14.03% on a consolidated basis for Chugin Financial Group, 12.66% on a consolidated basis for The Chugoku Bank, Ltd., and 12.53% on a non-consolidated basis for The Chugoku Bank, Ltd.
Key Figures
- Total Capital Ratio (Consolidated, Chugin Financial Group): 14.03% (Compared to the end of September 2025 △0.20%)
- Tier 1 Ratio (Consolidated, The Chugoku Bank, Ltd.): 11.43% (Compared to the end of September 2025 ＋0.11%)
- Total Capital Amount (Non-Consolidated, The Chugoku Bank, Ltd.): ¥577.3 billion (Compared to the end of September 2025 ＋¥11.1 billion)
AI要約
Status of Capital Ratio
This disclosure presents the Tier 1 capital ratios of Chugin Financial Group and The Chugoku Bank, Ltd. at the end of the third quarter of the fiscal year ending March 2026. Both consolidated and non-consolidated total capital ratios slightly declined compared with the previous quarter; however, Tier 1 ratios and Common Equity Tier 1 ratios increased. Total capital and Tier 1 capital amounts have risen, along with an increasing trend in risk-weighted assets.
Calculation Method and Standards
The capital ratio is calculated based on international unified standards, employing the basic internal ratings-based approach for credit risk and the standardized measurement approach for operational risk. The total required capital amount is computed by applying an 8% multiplier to risk-weighted assets. This methodology appropriately assesses capital soundness.
