The Shiga Bank, Ltd.
Capital Adequacy Ratio at the End of the Third Quarter of the Fiscal Year Ending March 2026
The consolidated total capital adequacy ratio at the end of the third quarter of the fiscal year ending March 2026 was 14.43%, and the standalone ratio was 14.09%, increasing by 0.81 and 0.75 points respectively year-over-year.
Key Figures
- Consolidated Total Capital Adequacy Ratio: 14.43% (Year-over-Year increase of 0.81 points)
- Standalone Total Capital Adequacy Ratio: 14.09% (Year-over-Year increase of 0.75 points)
- Amount of Consolidated Total Capital: 460.2 billion JPY (Year-over-Year increase of 50.5 billion JPY)
AI要約
Overview of Capital Adequacy Ratio
At the end of the third quarter of the fiscal year ending March 2026, Shiga Bank, Ltd.'s capital adequacy ratio (under international unified standards) was 14.43% on a consolidated basis and 14.09% on a standalone basis. Compared with the previous year’s same period of 13.62% consolidated and 13.34% standalone, this represents increases of 0.81 points and 0.75 points respectively. The amount of capital also increased to 460.2 billion JPY consolidated and 444.6 billion JPY standalone year-over-year. Risk assets amounted to 3,187.5 billion JPY consolidated and 3,154.3 billion JPY standalone, while the total required capital was 255.0 billion JPY consolidated and 252.3 billion JPY standalone.
Impact on Investors and Future Outlook
The improvement in the capital adequacy ratio reflects enhanced financial soundness, contributing to stronger creditworthiness. In particular, the rise in the Tier 1 ratio indicates improved capital quality, strengthening regulatory compliance capabilities. The company intends to continue enhancing its capital base and conducting rigorous risk management to maintain a stable management foundation. This financial strengthening is expected to provide reassuring factors for investors.
