Operational, fraud and regulatory violation risks, including post offices
First written in FY2016. 7 of 9 entries say "Materialised", first in FY2020. Latest entry: 2026-05-27.
Japan Post Bank moved to the "Worse" side of this theme in 2020.
1 other company's latest entry also says "Mitigated".
- 2026-05-27MitigatedGeneral Meetings of Shareholders
「郵便局において、部内犯罪等の不祥事件が発覚していることを受け、既存対策の有効性検証や見直し、再発防止策の策定・実行を日本郵政グループ全体で推進するなど、郵便局のコンプライアンス態勢の一層の強化に向けた取組みを進めております。」
部内犯罪等の事案は継続的な対応対象として記載され、既存対策の検証・見直しと再発防止策の実行が示された。 - FY2025MaterialisedAnnual report
「Regarding the cross-selling case at a post office, on 18 March 2025 the Financial Services Agency ordered JAPAN POST HOLDINGS Co.,Ltd., Japan Post Co., Ltd., JAPAN POST INSURANCE Co., Ltd. and the Bank to report regularly on preventive measures and their implementation status, among other matters.」
The improper use of undisclosed financial information at post offices to solicit customers to visit them has become a specific incident subject to a reporting order from the Financial Services Agency. - FY2025-H1MaterialisedAnnual report
「Regarding a case at a post office in which customers were invited to visit the post office for insurance solicitation purposes using non-public financial information concerning their deposits and other products without obtaining their prior consent, the Bank has worked with Japan Post Co., Ltd., JAPAN POST INSURANCE Co., Ltd. and JAPAN POST HOLDINGS Co.,Ltd. to formulate measures to prevent recurrence and is implementing them.」
With regard to operational, fraud and regulatory-compliance risks, including at post offices, the disclosure specifically identifies cases in which undisclosed financial information was improperly used to solicit customers to visit post offices. - FY2022MaterialisedAnnual report
「In addition, regarding the investigation results concerning the loss of customer information at a post office announced on 15 December 2021, preventive measures have been implemented for auxiliary ledgers relating to investment trust and government bond transactions by digitizing those ledgers. We will also progressively reduce the documents retained and digitize documents other than those auxiliary ledgers to prevent losses, thereby moving toward a paperless environment.」
The loss of customer information at post offices continues to be identified as a specific incident, with preventive measures including digitizing auxiliary ledgers, reducing retained documents and moving to a paperless environment. - FY2022-Q3MaterialisedAnnual report
「Following the increase in internal crimes at post offices, including the long-term, large-scale cash embezzlement case at a post office in Nagasaki Prefecture announced on 6 April 2021, the case involving embezzlement of post office funds in Ehime Prefecture announced on 21 July 2021, and the case involving embezzlement of deposit withdrawal funds in Yamaguchi Prefecture announced on 20 January 2022」
With regard to operational and fraud risks, including at post offices, the disclosure newly identifies a case involving the embezzlement of savings withdrawal funds and other misconduct in Yamaguchi Prefecture. It also describes the loss of customer information at a post office, providing greater detail on operational and information-management incidents. - FY2022-Q1MaterialisedAnnual report
「We take seriously the increase in internal crimes, including the prolonged and high-value cash embezzlement case at a post office in Nagasaki Prefecture announced on 6 April 2021, and the case involving the embezzlement of post office funds and other misconduct at a post office in Ehime Prefecture announced on 21 July 2021.」
With regard to operational and fraud risks, including at post offices, the disclosure newly identifies the increase in internal crimes, including the case involving the embezzlement of post office funds and other misconduct in Ehime Prefecture. - FY2021MaterialisedAnnual report
「We take seriously the increase in internal crimes, including the prolonged and high-value cash embezzlement case at a post office in Nagasaki Prefecture announced on 6 April 2021.」
With regard to operational, fraud and regulatory-compliance risks, including at post offices, the disclosure identifies the increase in internal crimes, including a prolonged and high-value cash embezzlement case, as an actual incident. - FY2020MaterialisedAnnual report
「A case occurred at the Bank Group and Japan Post Co., Ltd. in which the required pre-solicitation approval by a manager, among the approvals required under internal rules before soliciting and before accepting applications, was not obtained in connection with the sale of investment trusts to elderly customers.」
A case actually occurred in sales operations, including at post offices, in which the manager approval required under internal rules was not obtained. - FY2016First statedAnnual report
「There is a risk that officers and employees of the Bank and Japan Post Co., Ltd., which sells and provides the Bank's products and services, may fail to carry out procedures prescribed by internal rules and procedures relating to operations, or may cause accidents, fraud or other incidents.」
The disclosure describes the need for internal controls, audits, training and monitoring, including across the extensive post office network, as well as the impact of administrative sanctions and other measures.