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.
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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.
적용 수학 공식 및 방정식
이 Capital Adequacy Ratio Calculator는 5가지 핵심 수학 공식을 사용합니다:
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.
비율 계산기 사용법
이 비율 계산기는 아래의 3단계로 쉽게 사용할 수 있습니다:
수치 입력하기
입력 칸에 알고 있는 비율 값을 입력합니다. 구하려는 미지수 자리의 칸 하나는 비워둡니다.
모드 선택하기
비율 모드(풀기, 간소화, 스케일링)를 선택합니다. 각 모드는 입력한 수치에 맞춰 다른 공식들을 적용합니다.
결과 확인하기
계산하기 버튼을 누릅니다. 결과 화면에 정답과 함께 시각적인 비율 바, 원형 차트, 상세한 단계별 풀이 과정이 출력됩니다.
실제 예제 문제 및 단계별 풀이
비율 계산기를 활용하여 아래 3가지 예제 문제를 단계별로 해결하는 과정입니다:
입력 1 Bank with $12B Tier 1, $4B Tier 2, $120B RWA
입력 2 Assess if a bank meets the 8% minimum
입력 3 How much capital needed for 10% CAR?
자주 묻는 질문 (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.