From the end of March 2026, the credit risk measurement method for calculating the capital adequacy ratio will be changed from the “Standardized Approach” to the “Basic Internal Ratings-Based Approach,” with approval from the Financial Services Agency, and application will commence.<\/p>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","meta":{"Ticker":"","DATE":"","longName":"","company_name_ja":"","fullTimeEmployees":0,"address":"","phone":"","website":"","industry":"","sector":"","regularMarketPrice":0,"financialCurrency":"","marketCap":0,"fiftyTwoWeekLow":0,"fiftyTwoWeekHigh":0,"epsTrailingTwelveMonths":0,"epsForward":0,"bookValue":0,"totalRevenue":0,"OperatingIncome":0,"operatingMargins":0,"NetIncome":0,"profitMargins":0,"ebitda":0,"trailingPE":0,"forwardPE":0,"priceToBook":0,"returnOnEquity":0,"recommendationMean":0,"recommendationKey":"","targetMeanPrice":0,"numberOfAnalystOpinions":0,"analyst_earnings_data":"","dividendRate":0,"dividendYield":0,"payoutRatio":0,"totalEsg":0,"environmentScore":0,"socialScore":0,"governanceScore":0,"title":"","providerPublishTime":"","link":"","longBusinessSummary":"","longBusinessSummary_ja":"","quarterly_revenue":0,"quarterly_net_income":0,"quarterly_operating_profit":0,"enterprise_value":0,"company_officer_1_name":"","company_officer_1_title":"","company_officer_2_name":"","company_officer_2_title":"","company_officer_3_name":"","company_officer_3_title":"","company_officer_4_name":"","company_officer_4_title":"","company_officer_5_name":"","company_officer_5_title":"","company_officers_update_time":"","get_dividend_history_year1":0,"get_dividend_history_year2":0,"get_dividend_history_year3":0,"get_dividend_history_year4":0,"get_dividend_history_year5":0,"get_dividend_history_year6":0,"get_dividend_history_year7":0,"get_dividend_history_year8":0,"get_dividend_history_year9":0,"get_dividend_history_year10":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","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":"","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":"8522","jir_company_name":"The Nagoya Bank, Ltd.","jir_importance":"\u2605\u2605\u2605\u2606\u2606","jir_publication_date":"2026-03-26","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/03\/8522-20260326-01.pdf","jir_short_summary":"From the end of March 2026, the credit risk measurement method for calculating the capital adequacy ratio will be changed from the \"Standardized Approach\" to the \"Basic Internal Ratings-Based Approach,\" with approval from the Financial Services Agency, and application will commence.","jir_summary":"### Overview of Change in Credit Risk Measurement Method\nThe Nagoya Bank, Ltd. will change the credit risk measurement method used for calculating the capital adequacy ratio from the conventional \"Standardized Approach\" to the \"Basic Internal Ratings-Based Approach\" with the approval of the Financial Services Agency. The Basic Internal Ratings-Based Approach leverages the bank\u2019s internal rating system to more accurately reflect the credit risk of loan assets and other exposures, requiring the establishment of a rigorous internal management framework.\n\n### Reason for Change and Future Application\nUnder its corporate philosophy of serving the prosperity of the local community, the bank determined that enhancing credit risk management is essential to strengthen its financial intermediation function and support partnerships. Having worked on strengthening its internal management system and received approval from the Financial Services Agency, the new method will be applied from the capital adequacy ratio calculation at the end of March 2026, with disclosure scheduled for mid-May 2026.","jir_financial_highlights":"Credit Risk Measurement Method: Changed to Basic Internal Ratings-Based Approach (Change from the conventional Standardized Approach)\nApplication Start Date: End of March 2026 (Introduction of new method)\nScheduled Capital Adequacy Ratio Disclosure Date: Mid-May 2026 (Unknown)","jir_category":"","jir_hashtags":"#NagoyaBank, #CapitalAdequacyRatio, #CreditRiskManagement, #FSAApproval, #GeneralIR","jir_key_figures":"Credit Risk Measurement Method Change: Standardized Approach \u2192 Basic Internal Ratings-Based Approach\nApplication Start Date: End of March 2026\nScheduled Capital Adequacy Ratio Disclosure: Mid-May 2026","jir_meta_title":"The Nagoya Bank, Ltd. Changes Capital Adequacy Ratio Calculation Method to Basic Internal Ratings-Based Approach (Effective March 2026)","jir_meta_description":"The Nagoya Bank, Ltd. will change the credit risk measurement method for the capital adequacy ratio from the Standardized Approach to the Basic Internal Ratings-Based Approach from the end of March 2026 with approval from the Financial Services Agency. The capital adequacy ratio disclosure is scheduled for mid-May.","jir_og_title":"Nagoya Bank Enhances Credit Risk Management by Changing Capital Adequacy Ratio Calculation Method","jir_og_description":"Nagoya Bank changes the calculation method for the capital adequacy ratio to the Basic Internal Ratings-Based Approach. Approved by the Financial Services Agency, application is scheduled to start at the end of March 2026.","jir_og_image_url":"\/assets\/og\/company-general_ir.jpg","jir_chart_data_collection":"[]","ir_related_company":8900,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"general_ir","footnotes":""},"sector":[],"importance":[],"class_list":["post-36749","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n