The consolidated capital adequacy ratio at the end of the third quarter of the fiscal year ending March 2026 was 12.61%, and the standalone ratio was 12.28%, representing decreases of 0.22% and 0.20% respectively 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":"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":"8524","jir_company_name":"Hokuyo Bank, Ltd.","jir_importance":"\u2605\u2605\u2605\u2606\u2606","jir_publication_date":"2026-02-17","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/02\/8524-20260217-01.pdf","jir_short_summary":"The consolidated capital adequacy ratio at the end of the third quarter of the fiscal year ending March 2026 was 12.61%, and the standalone ratio was 12.28%, representing decreases of 0.22% and 0.20% respectively 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), Hokuyo Bank, Ltd.'s capital adequacy ratio was 12.61% on a consolidated basis and 12.28% on a standalone basis, decreasing by 0.22% and 0.20% respectively from the previous quarter (end of September 2025). While the capital amount increased to \u00a5377.4 billion consolidated and \u00a5361.3 billion standalone, the increase in risk assets to \u00a52,990.8 billion consolidated and \u00a52,940.7 billion standalone was the main factor leading to the decline in the ratio. On a Basel III fully implemented basis, the capital adequacy ratios were 11.31% consolidated and 11.06% standalone, also showing slight decreases compared to the previous quarter.\n\n### Disclosures and Future Information Provision\nCredit risk is calculated using the Basic Internal Ratings-Based Approach, and operational risk is calculated using the Standardized Measurement Approach. The total required capital is equivalent to 4% of risk assets, etc. Detailed disclosures on the composition of capital are published on the company\u2019s website based on the \"Pillar 3 (Market Discipline)\" requirements. By referring to this information, investors can gain a more detailed understanding of the bank's capital soundness and risk management status.","jir_financial_highlights":"Consolidated Capital Adequacy Ratio: 12.61% (Compared to end of September 2025 \u25b30.22%)\nConsolidated Capital: \u00a5377.4 billion (Compared to end of September 2025 +\u00a55.9 billion)\nConsolidated Risk Assets, etc.: \u00a52,990.8 billion (Compared to end of September 2025 +\u00a596.7 billion)\nStandalone Capital Adequacy Ratio: 12.28% (Compared to end of September 2025 \u25b30.20%)\nStandalone Capital: \u00a5361.3 billion (Compared to end of September 2025 +\u00a55.2 billion)\nStandalone Risk Assets, etc.: \u00a52,940.7 billion (Compared to end of September 2025 +\u00a589.3 billion)\nBasel III Fully Implemented Basis Consolidated Capital Adequacy Ratio: 11.31% (Compared to end of September 2025 \u25b30.29%)\nBasel III Fully Implemented Basis Standalone Capital Adequacy Ratio: 11.06% (Compared to end of September 2025 \u25b30.28%)","jir_category":"","jir_hashtags":"#HokuyoBank, #financial_summary, #CapitalAdequacyRatio, #JapaneseStocks","jir_key_figures":"Consolidated Capital Adequacy Ratio: 12.61% (Compared to end of September 2025 \u25b30.22%)\nStandalone Capital Adequacy Ratio: 12.28% (Compared to end of September 2025 \u25b30.20%)\nBasel III Fully Implemented Basis Consolidated Capital Adequacy Ratio: 11.31% (Compared to end of September 2025 \u25b30.29%)","jir_meta_title":"Hokuyo Bank, Ltd. Announces Consolidated Capital Adequacy Ratio at 12.61% at End of Q3 Fiscal Year March 2026","jir_meta_description":"Hokuyo Bank, Ltd. announced its capital adequacy ratio at the end of the third quarter of the fiscal year ending March 2026. The consolidated ratio was 12.61% and the standalone ratio was 12.28%, both exhibiting a decline from the previous quarter. Basel III fully implemented basis ratios also showed a downward trend.","jir_og_title":"Hokuyo Bank Announces Q3 Fiscal Year 2026 Capital Adequacy Ratio","jir_og_description":"Capital adequacy ratio at the end of Q3 fiscal year ending March 2026 was disclosed. The consolidated ratio was 12.61% and standalone ratio was 12.28%, both down from the previous period.","jir_og_image_url":"\/assets\/og\/company-general_ir.jpg","jir_chart_data_collection":"[]","ir_related_company":8118,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"financial_summary","footnotes":""},"sector":[],"importance":[],"class_list":["post-29864","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n