FIDEA Holdings Co., Ltd. [8713.T]
TOKYO, Mar 26 (Pulse News Wire) – Fidea Holdings Co., Ltd. (8713.T) announced today that it and its subsidiary banks, Shonai Bank and Kitado Bank, have decided to adopt a more stringent internal rating-based method for calculating credit risk in their capital adequacy ratios, replacing the previous standard approach.
This change was approved by the Financial Services Agency. Under the new "basic internal ratings-based approach," the group will utilize its own internal rating system to precisely measure credit risks associated with lending assets.
This method requires stricter internal management systems compared to the former standard method and necessitates approval from the Financial Services Agency. The purpose of this shift is to enable the group to construct a healthier loan portfolio through appropriate risk-taking, thereby contributing to sustainable regional economic development and enhancing its intermediary functions in finance.
The revised calculation method will be applied starting from the end of March 2026, with the updated capital adequacy ratio expected to be disclosed around mid-May 2026.
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