From the end of March 2026, the method for calculating the capital adequacy ratio will change: the credit risk calculation approach will switch from the standardized approach to the foundation internal ratings-based approach, and the operational risk equivalent amount calculation method will change from an ILM specified value of 1 to a multiplier calculated from internal loss 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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":"8386","jir_company_name":"The Hyakujushi Bank, Ltd.","jir_importance":"\u2605\u2605\u2605\u2606\u2606","jir_publication_date":"2026-03-31","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/03\/8386-20260331-01.pdf","jir_short_summary":"From the end of March 2026, the method for calculating the capital adequacy ratio will change: the credit risk calculation approach will switch from the standardized approach to the foundation internal ratings-based approach, and the operational risk equivalent amount calculation method will change from an ILM specified value of 1 to a multiplier calculated from internal loss data.","jir_summary":"### Details of the Calculation Method Changes\nThe Hyakujushi Bank, Ltd. will, with approval from the Financial Services Agency, change the method for calculating the capital adequacy ratio starting from the calculation at the end of March 2026. The credit risk calculation method will shift from the current standardized approach to a foundation internal ratings-based approach using the bank\u2019s internal credit ratings. The operational risk equivalent amount calculation method will also change from the previously specified ILM value of 1 to a standardized measurement method using a multiplier based on internal loss data. These changes will enable more appropriate reflection of risk changes in the capital adequacy ratio.\n\n### Purpose and Future Outlook\nThe purpose of these changes is to more accurately reflect the risks inherent in the bank, to enhance risk management systems, and to maintain soundness, thereby aiming to improve sustainability. Through these efforts, the bank intends to contribute to the creation of well-being in the local community as outlined in its \"Long-Term Vision 2030\" by providing more attractive products and services. The new capital adequacy ratio calculation results are scheduled to be announced in mid-May 2026.","jir_financial_highlights":"Timing of Applying Capital Adequacy Ratio Calculation Method Change: End of March 2026 (Unknown)\nCredit Risk Calculation Method: Standardized Approach \u2192 Foundation Internal Ratings-Based Approach (Changed)\nOperational Risk Equivalent Amount Calculation Method: Standardized Measurement Method (ILM=1) \u2192 Standardized Measurement Method (ILM calculated from internal loss data, etc.) (Changed)","jir_category":"","jir_hashtags":"#HyakujushiBank, #CapitalAdequacyRatio, #RiskManagement, #GeneralIR, #JapaneseStocks","jir_key_figures":"Application Timing: From calculation at the end of March 2026\nCredit Risk Calculation Method: Changed from Standardized Approach to Foundation Internal Ratings-Based Approach\nOperational Risk Equivalent Amount Calculation Method: Changed from ILM=1 specified value to multiplier calculated from internal loss data","jir_meta_title":"The Hyakujushi Bank to Change Capital Adequacy Ratio Calculation Method from End of March 2026 to Enhance Risk Management","jir_meta_description":"The Hyakujushi Bank will revise its method for calculating the capital adequacy ratio from the end of March 2026, changing the credit risk approach and operational risk equivalent amount method, aiming to enhance risk management and maintain soundness.","jir_og_title":"The Hyakujushi Bank Changes Capital Adequacy Ratio Calculation Method to Strengthen Risk Management","jir_og_description":"From the end of March 2026, the capital adequacy ratio calculation method will be updated to improve soundness through more precise risk assessments.","jir_og_image_url":"\/assets\/og\/company-general_ir.jpg","jir_chart_data_collection":"[]","ir_related_company":9046,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"general_ir","footnotes":""},"sector":[],"importance":[],"class_list":["post-37960","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n