Impact of Rising Interest Rates on Funding Costs and Residential Mortgages
First written in FY2016. 1 of 3 entries say "Restated". Latest entry: FY2026.
The whole theme swung hardest in 2026: 5 of 8 companies on the "Worse" side.
1 other company's latest entry also says "Mitigated".
- FY2026MitigatedAnnual report
「To mitigate the impact of higher interest rates, the Group is working to use fixed-rate borrowings, extend borrowing maturities, and secure operating cash flow. It is also working to stabilize its financial base by regularly monitoring financial markets and interest-rate trends and selecting appropriate funding methods.」
In response to interest-rate risk, it explicitly identifies fixed-rate borrowings, extended borrowing maturities, securing operating cash flow, and regular monitoring of interest-rate trends as measures. - FY2017RestatedAnnual report
「Higher interest rates at financial institutions in the market would not only increase the Company's funding costs but could also affect the performance of its custom-built housing business through higher personal mortgage rates.」
It reiterates the risk that higher interest rates at financial institutions may affect the Company's funding costs and demand for custom-built housing. - FY2016First statedAnnual report
「Higher interest rates at financial institutions in the market would not only increase the Company's funding costs but could also affect the performance of its custom-built housing business through higher personal mortgage rates.」
It identifies both the Company's borrowing costs and customers' mortgage rates as risk channels.