As of the end of the third quarter of the fiscal year ending March 2026 (end of December 2025), the consolidated capital adequacy ratio was 11.96%, Kyoto Bank consolidated ratio was 11.41%, and Kyoto Bank on a non-consolidated basis was 11.10%, remaining flat or slightly increased compared to the end of 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center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"jir_stock_code":"5844","jir_company_name":"Kyoto Financial Group, Inc.","jir_importance":"\u2605\u2605\u2605\u2606\u2606","jir_publication_date":"2026-02-10","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/02\/5844-20260210-01.pdf","jir_short_summary":"As of the end of the third quarter of the fiscal year ending March 2026 (end of December 2025), the consolidated capital adequacy ratio was 11.96%, Kyoto Bank consolidated ratio was 11.41%, and Kyoto Bank on a non-consolidated basis was 11.10%, remaining flat or slightly increased compared to the end of September.","jir_summary":"### Status of Capital Adequacy Ratio\nAs of the end of the third quarter of the fiscal year ending March 2026 (end of December 2025), the capital adequacy ratio stood at 11.96% on a consolidated basis for Kyoto Financial Group, 11.41% on a consolidated basis for Kyoto Bank, and 11.10% on a non-consolidated basis for Kyoto Bank. All figures remain flat or show a slight increase compared to the end of September 2025. Capital amounts have also shown an increasing trend in both consolidated and non-consolidated bases, alongside a rise in risk assets.\n\n### Risk Assets and Total Required Capital\nRisk assets amounted to 4,276.3 billion yen on a consolidated basis, 4,255.5 billion yen on a Kyoto Bank consolidated basis, and 4,279.8 billion yen on a non-consolidated basis, all increasing compared to the end of September. The total required capital was 171 billion yen consolidated, 170.2 billion yen Kyoto Bank consolidated, and 171.1 billion yen non-consolidated, reflecting increases aligned with the rise in risk assets. These figures were calculated based on the basic internal ratings approach and standard measurement approaches.","jir_financial_highlights":"Capital Adequacy Ratio (Kyoto Financial Group Consolidated): 11.96% (Compared to September 2025 end 0.00%)\nCapital Adequacy Amount (Kyoto Financial Group Consolidated): 511.7 billion yen (Compared to September 2025 end +9.4 billion yen)\nCapital Adequacy Ratio (Kyoto Bank Consolidated): 11.41% (Compared to September 2025 end +0.08%)\nCapital Adequacy Amount (Kyoto Bank Consolidated): 485.6 billion yen (Compared to September 2025 end +11.5 billion yen)\nCapital Adequacy Ratio (Kyoto Bank Non-Consolidated): 11.10% (Compared to September 2025 end +0.08%)\nCapital Adequacy Amount (Kyoto Bank Non-Consolidated): 475.1 billion yen (Compared to September 2025 end +11.3 billion yen)","jir_category":"","jir_hashtags":"#KyotoFinancialGroup, #CapitalAdequacyRatio, #financial_summary","jir_key_figures":"Capital Adequacy Ratio (Consolidated): 11.96% (Compared to September 2025 end 0.00%)\nCapital Adequacy Amount (Consolidated): 511.7 billion yen (Compared to September 2025 end +9.4 billion yen)\nRisk Assets (Consolidated): 4,276.3 billion yen (Compared to September 2025 end +78.8 billion yen)","jir_meta_title":"Kyoto Financial Group Capital Adequacy Ratio at End of Third Quarter FY2026 at 11.96%, Flat","jir_meta_description":"Kyoto Financial Group\u2019s capital adequacy ratio as of the end of the third quarter of fiscal year ending March 2026 (end of December 2025) was 11.96% on a consolidated basis, with capital adequacy amount increasing to 511.7 billion yen compared to the end of September.","jir_og_title":"Kyoto Financial Group Announces Capital Adequacy Ratio at End of Third Quarter","jir_og_description":"The capital adequacy ratio as of the end of the third quarter of fiscal year ending March 2026 is 11.96% consolidated, with a capital adequacy amount of 511.7 billion yen, maintaining a stable financial base.","jir_og_image_url":"\/assets\/og\/company-financial_summary.jpg","jir_chart_data_collection":"[]","ir_related_company":7554,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"financial_summary","footnotes":""},"sector":[],"importance":[],"class_list":["post-27097","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n