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HomeInvestor Relations > IR Glossary

IR Glossary

The following is a list of terms used in our presentation materials, etc.


Capital Adequacy Ratio

The ratio of a bank's equity capital to assets; an indicator of the soundness of financial institution management.
Banks such as ours that do not have overseas operating locations, are subject to the domestic standards, being required to maintain a level of 4% or higher.

Credit spreads

Interest rates added, according to the issuer's ability to repay debt, to the standard interest rate of government bonds, etc.



DX is an abbreviation of “digital transformation.” Refers to the innovation of work and business models into superior forms through the active use of data and digital technology.


Implied Forward Rates

Future projected interest logically calculated based on market interest rates (yield curve).


Net interest income, etc.

Net interest income, etc. = Interest income - Interest expenses (including gains (losses) on sales, etc.)

Net Operating Profit

Unique earnings indicator used by banks, representing gross operating profit less general and administrative expenses and provision for general reserve for possible loan losses.


Risk appetite framework

A business management framework used as common language between banks pertaining to all aspects of risk-taking policies, including the capital distribution and profit maximization of risk appetites (the type and total quantity of risks a company should willingly take on to fulfil its business plans after taking into account the unique aspects of the company’s own business model).

Risk assets

Assets other than yen interest rates (JGBs, etc.)


Strategic investment areas

Alternative assets (private equity funds and real estate funds (equity), etc.), real estate funds (debt), direct lending funds and infrastructure debt funds, etc.



Abbreviation of Task Force on Climate-related Financial Disclosures. An organization established at the proposal of the Financial Stability Board for the purpose of thoroughly realizing corporate information disclosure pertaining to climate change, in which the representatives of the central banks and financial supervisory authorities, etc. of key nations participate.

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