Regulatory matters (Tables)

12 Months Ended

Mar. 31, 2020

Capital Requirements and Regulatory Adjustments Over Transitional Period

The capital requirements and regulatory adjustments are being phased in over a transitional period as follows (italicized percentages indicate those still in transition periods):

	March 2019			March 2020			March 2021			March 2022			March 2023
Minimum Common Equity Tier 1 capital		4.5	%		4.5	%		4.5	%		4.5	%		4.5	%
Minimum Tier 1 capital		6.0	%		6.0	%		6.0	%		6.0	%		6.0	%
Minimum total capital		8.0	%		8.0	%		8.0	%		8.0	%		8.0	%
Phase out of recognition of capital instruments that no longer qualify as capital		30.0	%		20.0	%		10.0	%		0.0	%		0.0	%
Capital conservation buffer		2.5	%		2.5	%		2.5	%		2.5	%		2.5	%
Countercyclical capital buffer(1)		0.05	%		0.01	%		0.01	%		0.01	%		0.01	%
Additional loss absorbency requirements for G-SIBs and D-SIBs(2)		1.0	%		1.0	%		1.0	%		1.0	%		1.0	%
Minimum Leverage Ratio		3.0	%		3.0	%		3.0	%		3.0	%		3.5	%(3)

Notes:

(1) Figures assume that the countercyclical capital buffer will continue to be 0.01% after March 2020.

(2) Figures assume that the additional loss absorbency requirements applied to the Group as a G-SIB and D-SIB continue to be 1.0% on a fully effective basis in future years.

(3) This figure includes a leverage ratio buffer required to be met at 50% of the additional loss absorbency requirements applied to the Group as a G-SIB under the finalized Basel III reforms.

Capital Adequacy Ratios of MHFG, MHBK, and MHTB Calculated in Accordance with Japanese GAAP and Guidelines Established by Financial Services Agency

Capital adequacy ratios and leverage ratios of MHFG, MHBK, and MHTB as of March 31, 2019 and 2020 calculated in accordance with Japanese GAAP and the guidelines established by the Financial Services Agency are set forth in the following table:

	2019				2020
	Amount		Ratio		Amount		Ratio
	(in billions of yen, except percentages)
Consolidated:
MHFG:
Common Equity Tier 1 capital:
Required(Note)		4,661		8.05		4,978		8.01
Actual		7,390		12.76		7,245		11.65
Tier 1 capital:
Required(Note)		5,529		9.55		5,910		9.51
Actual		9,232		15.94		9,024		14.52
Total risk-based capital:
Required(Note)		6,687		11.55		7,152		11.51
Actual		10,918		18.85		10,722		17.25
Leverage Ratio:
Required		6,257		3.00		6,629		3.00
Actual		9,232		4.42		9,024		4.08
MHBK:
Common Equity Tier 1 capital:
Required		2,388		4.50		2,567		4.50
Actual		6,690		12.60		6,501		11.39
Tier 1 capital:
Required		3,184		6.00		3,422		6.00
Actual		8,527		16.06		8,275		14.50
Total risk-based capital:
Required		4,246		8.00		4,563		8.00
Actual		10,098		19.02		9,865		17.29
Leverage Ratio:
Required		5,758		3.00		6,160		3.00
Actual		8,527		4.44		8,275		4.02
MHTB:
Common Equity Tier 1 capital:
Required		95		4.50		93		4.50
Actual		500		23.67		489		23.64
Tier 1 capital:
Required		127		6.00		124		6.00
Actual		501		23.70		489		23.66
Total risk-based capital:
Required		169		8.00		165		8.00
Actual		505		23.87		491		23.74
Leverage Ratio:
Required		229		3.00		216		3.00
Actual		501		6.55		489		6.79
Non-consolidated:
MHBK:
Common Equity Tier 1 capital:
Required		2,272		4.50		2,403		4.50
Actual		6,363		12.60		6,130		11.47
Tier 1 capital:
Required		3,029		6.00		3,204		6.00
Actual		8,199		16.23		7,905		14.80

	2019				2020
	Amount		Ratio		Amount		Ratio
	(in billions of yen, except percentages)
Total risk-based capital:
Required		4,039		8.00		4,272		8.00
Actual		9,757		19.32		9,482		17.75
Leverage Ratio:
Required		5,517		3.00		5,884		3.00
Actual		8,199		4.45		7,905		4.03
MHTB:
Common Equity Tier 1 capital:
Required		94		4.50		93		4.50
Actual		494		23.58		475		23.10
Tier 1 capital:
Required		126		6.00		123		6.00
Actual		494		23.58		475		23.10
Total risk-based capital:
Required		168		8.00		165		8.00
Actual		498		23.75		477		23.18
Leverage Ratio:
Required		227		3.00		214		3.00
Actual		494		6.53		475		6.66

Note: The required ratios disclosed above, at March 31, 2019 and 2020, include the capital conservation buffer of 2.5%, the countercyclical capital buffer of 0.05% and 0.01%, respectively, and the additional loss absorbency requirements for G-SIBs and D-SIBs of 1.0%, which are all in addition to the regulatory minima. The respective required amounts are determined by applying the ratios to the sum of the risk weighted assets and certain other risk amounts.