Capital Adequacy Ratio Calculator
The Capital Adequacy Ratio Calculator measures a bank's capital relative to its risk-weighted assets. Calculate Tier 1 ratio, Total CAR, and assess regulatory compliance with Basel III requirements — essential for banking analysts and risk managers.
What is Capital Adequacy Ratio?
Capital Adequacy Ratio (CAR) measures a bank's available capital as a percentage of its risk-weighted assets (RWA). CAR ensures banks have enough capital to absorb losses and protect depositors. The Basel III framework requires a minimum CAR of 8%, with at least 6% from Tier 1 capital.
Tier 1 capital includes common equity (CET1) and retained earnings — the highest quality capital. Tier 2 capital includes subordinated debt and hybrid instruments. Regulators worldwide use CAR to assess bank stability and prevent systemic failures.
使用される計算公式・方程式
この計算ツールは5つの主要な公式を使用しています：
1 Capital Adequacy Ratio ▼
A bank with $10B Tier 1, $3B Tier 2, and $100B RWA: CAR = ($13B / $100B) × 100 = 13%.
2 Tier 1 Ratio ▼
A bank with $8B Tier 1 capital and $80B RWA has a Tier 1 ratio of 10%.
3 CET1 Ratio ▼
Basel III requires a minimum CET1 ratio of 4.5%. Most banks target 10%+ for safety.
比率計算ツールの使い方
この比率計算ツールは、以下の3ステップで簡単にご利用いただけます：
数値を入力
入力欄に既知の比率の値を入力します。求めたい未知数の入力欄は空欄のままにしておきます。
モードを選択
比率モード（解く、簡素化、スケーリング）を選択します。各モードで異なる計算式が適用されます。
結果を確認
計算するボタンを押します。結果画面に答えと、視覚的な比率バー、円グラフ、詳細なステップバイステップの解決プロセスが表示されます。
実例問題と段階的な解説
本比率計算ツールを使って、以下の3つの例題をステップバイステップで解決するプロセスです：
入力 1 Bank with $12B Tier 1, $4B Tier 2, $120B RWA
入力 2 Assess if a bank meets the 8% minimum
入力 3 How much capital needed for 10% CAR?
よくある質問 (FAQ)
What is the minimum Capital Adequacy Ratio? ▼
Basel III requires a minimum CAR of 8%, with at least 4.5% CET1 and 6% Tier 1. Many regulators impose additional buffers (conservation buffer of 2.5%), bringing the effective minimum to 10.5%.
What is the difference between Tier 1 and Tier 2 capital? ▼
Tier 1 capital (core capital) includes common equity and retained earnings — it absorbs losses while the bank operates. Tier 2 capital (supplementary) includes subordinated debt that absorbs losses only in liquidation.
What are risk-weighted assets? ▼
Risk-weighted assets assign different risk weights to different asset types. Cash has 0% weight, government bonds 0-20%, mortgages 35-50%, and corporate loans 100%. Total RWA = sum of (asset value × risk weight) for all assets.
Why is CAR important for banks? ▼
CAR ensures banks can absorb unexpected losses without becoming insolvent. Higher CAR means more cushion for depositors and the financial system. Banks with low CAR face regulatory restrictions on dividends and growth.
How does a bank improve its CAR? ▼
Banks can raise CAR by issuing new equity, retaining earnings instead of paying dividends, reducing risk-weighted assets (selling risky loans), or securitizing assets to move them off-balance-sheet.