As of the end of December 2025, the consolidated capital adequacy ratio was 11.72%, and the non-consolidated ratio was 11.27%, representing a decrease of 0.29 points consolidated and 0.30 points non-consolidated from the previous 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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":"","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":"","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":""}},"ast-content-background-meta":{"desktop":{"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":""},"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":"8381","jir_company_name":"San-in Godo Bank, Ltd.","jir_importance":"\u2605\u2605\u2605\u2606\u2606","jir_publication_date":"2026-02-12","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/02\/8381-20260212-01.pdf","jir_short_summary":"As of the end of December 2025, the consolidated capital adequacy ratio was 11.72%, and the non-consolidated ratio was 11.27%, representing a decrease of 0.29 points consolidated and 0.30 points non-consolidated from the previous quarter.","jir_summary":"### Status of Capital Adequacy Ratio\nAt the end of the third quarter of the fiscal year ending March 2026 (end of December 2025), the capital adequacy ratio stood at 11.72% on a consolidated basis and 11.27% on a non-consolidated basis. The consolidated capital amount increased by 2,823 million yen from the previous quarter to 379,224 million yen. However, due to an increase in risk assets and others, the capital adequacy ratio decreased by 0.29 points consolidated and 0.30 points non-consolidated compared to the previous quarter. The amount of risk assets and others increased by 100,843 million yen quarter-on-quarter to 3,234,677 million yen consolidated.\n\n### Disclosure and Future Information Provision\nDetailed composition and components, including the basis and adjustment items of the capital adequacy ratio, are disclosed on our website under \u201cDisclosure Items on Capital Composition.\u201d Credit risk assets are calculated using the Basic Internal Rating Approach, operational risk uses the Standardized Approach, and the total required capital amount is calculated as 4% of the risk assets and others. We will continue to provide timely and appropriate information disclosure going forward.","jir_financial_highlights":"Capital Adequacy Ratio (Domestic Standards) Consolidated: 11.72 (QoQ -0.29)\nCapital Adequacy Ratio (Domestic Standards) Non-Consolidated: 11.27 (QoQ -0.30)\nCapital Amount (Consolidated): 379,224 million yen (QoQ +2,823 million yen)","jir_category":"","jir_hashtags":"#SanInGodoBank, #CapitalPolicy, #CapitalAdequacyRatio","jir_key_figures":"Capital Adequacy Ratio (Consolidated): 11.72% (End of December 2025)\nCapital Adequacy Ratio (Non-Consolidated): 11.27% (End of December 2025)\nCapital Amount (Consolidated): 379,224 million yen (End of December 2025)","jir_meta_title":"San-in Godo Bank Announces 11.72% Consolidated Capital Adequacy Ratio at End of Third Quarter FY2026","jir_meta_description":"San-in Godo Bank announces capital adequacy ratio for the third quarter of fiscal year ending March 2026: 11.72% consolidated, 11.27% non-consolidated, decreased from previous quarter. Detailed disclosures available on the bank\u2019s website.","jir_og_title":"San-in Godo Bank Reports 11.72% Capital Adequacy Ratio as of December 2025","jir_og_description":"Disclosure of capital adequacy ratio for the third quarter of fiscal year ending March 2026. Consolidated ratio at 11.72% and non-consolidated at 11.27%, decreased from the previous period. For details, please visit the official website.","jir_og_image_url":"\/assets\/og\/company-general_ir.jpg","jir_chart_data_collection":"[]","ir_related_company":8872,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"capital_policy","footnotes":""},"sector":[],"importance":[],"class_list":["post-27507","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n