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Capital to Risk Weighted Assets Ratio : ウィキペディア英語版
Capital adequacy ratio
Capital Adequacy Ratio (CAR), also known as Capital to Risk (Weighted) Assets Ratio (CRAR),〔 is the ratio of a bank's capital to its risk. National regulators track a bank's CAR to ensure that it can absorb a reasonable amount of loss and complies with statutory Capital requirements.
It is a measure of a bank's capital. It is expressed as a percentage of a bank's risk weighted credit exposures.
This ratio is used to protect depositors and promote the stability and efficiency of financial systems around the world.
Two types of capital are measured: tier one capital, which can absorb losses without a bank being required to cease trading, and tier two capital, which can absorb losses in the event of a winding-up and so provides a lesser degree of protection to depositors.
==Formula==
Capital adequacy ratios (CARs) are a measure of the amount of a bank's core capital expressed as a percentage of its risk-weighted asset.
Capital adequacy ratio is defined as:
\mbox = \cfrac}
TIER 1 CAPITAL = (paid up capital + statutory reserves + disclosed free reserves) - (equity investments in subsidiary + intangible assets + current & b/f losses)
TIER 2 CAPITAL = A) Undisclosed Reserves + B) General Loss reserves + C) hybrid debt capital instruments and subordinated debts
where Risk can either be weighted assets (\,a) or the respective national regulator's minimum total capital requirement. If using risk weighted assets,
\mbox = \cfrac ≥ 10%.
The percent threshold varies from bank to bank (10% in this case, a common requirement for regulators conforming to the Basel Accords) and is set by the national banking regulator of different countries.
Two types of capital are measured: tier one capital (T_1 above), which can absorb losses without a bank being required to cease trading, and tier two capital (T_2 above), which can absorb losses in the event of a winding-up and so provides a lesser degree of protection to depositors.

抄文引用元・出典: フリー百科事典『 ウィキペディア(Wikipedia)
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