Risk–Return Optimization Using a Risk Appetite Framework
First written in FY2018. 6 of 11 entries say "Advanced", first in FY2019. Latest entry: FY2026.
0 other companies' latest entry also says "Other".
- FY2026Update to top risksAnnual report
「The top risks selected by the Board of Directors in March 2026 are as follows: ・Deterioration in business conditions due to external environmental factors ・Large-scale damage caused by cyberattacks ・Large-scale damage caused by system failures ・Occurrence of a major natural disaster」
At its March 2026 meeting, the Board of Directors updated the top risks and selected 4 items: external conditions, cyberattacks, system failures, and large-scale natural disasters. - FY2025AdvancedAnnual report
「The “top risks” selected by the Board of Directors at its meeting held in March 2025 were as follows:・Deterioration in corporate performance due to external environmental factors・Deterioration in liquidity due to competition for deposits and other factors・Large-scale losses caused by cyberattacks・Large-scale losses caused by system failures・Occurrence of a large-scale natural disaster」
The company updated the top risks selected by the Board of Directors for fiscal 2025, listing external conditions, competition for deposits, cyberattacks, system failures, and natural disasters. - FY2024AdvancedAnnual report
「The “top risks” selected by the Board of Directors at its meeting held in March 2024 were as follows:・“Inadequate response to climate change and environmental issues” (transition risk)・“Occurrence of a large-scale natural disaster” (physical risk)」
At its March 2024 meeting, the Board of Directors selected inadequate responses to climate change and environmental issues and large-scale natural disasters as top risks. - FY2022AdvancedAnnual report
「The “top risks” selected by the Board of Directors at its meeting held in March 2022 were as follows.」
The company continued operating the Risk Appetite Framework and KRI system, and the Board of Directors selected new top risks, including COVID-19, soaring energy prices, changes in monetary policy, climate change, and cyberattacks. - FY2021AdvancedAnnual report
「“Top risks” are selected by the Board of Directors as part of the Risk Appetite Framework. Wherever possible, KRI (Key Risk Indicator) metrics are established as warning indicators for identifying in advance the possibility that risks may materialize in the future. We seek to identify early signs through continuous monitoring and prepare to respond swiftly if a risk materializes.」
The company established specific procedures linking the Risk Appetite Framework with the Board of Directors' selection of top risks and continuous monitoring of KRIs. - FY2020AdvancedAnnual report
「We used the Risk Appetite Framework, a methodology for optimizing risk and return through appropriate portfolio formation while taking into account the balance among earnings, risk, and capital, and worked to enhance governance covering risk management as a whole and foster a strong risk culture.」
The company described how the Risk Appetite Framework was used in practice for annual risk management and portfolio formation. - FY2019AdvancedAnnual report
「While taking into account the balance among earnings, risk, and capital, we established the Risk Appetite Framework as a methodology for clarifying and monitoring the types and amounts of risk that management is prepared to accept voluntarily, and will enhance governance covering risk management as a whole and foster a strong risk culture.」
The Risk Appetite Framework was incorporated into the Board of Directors' structure as a governance framework for risk management based on the balance among earnings, risk, and capital. - FY2019-Q3RestatedAnnual report
「We will also use the Risk Appetite Framework as a risk-management methodology to continuously monitor the amount of risk incorporated into the budget and the relationship between risk assets and returns, optimize risk and return, and establish a firm upward trend in gross operating profit.」
The company reconfirmed the continuous monitoring and optimization of risk amounts, risk assets, and returns using the Risk Appetite Framework. - FY2019-Q2RestatedAnnual report
「We will also use the Risk Appetite Framework as a risk-management methodology to continuously monitor the amount of risk incorporated into the budget and the relationship between risk assets and returns, optimize risk and return, and establish a firm upward trend in gross operating profit.」
The company reconfirmed the continuous monitoring and optimization of risk amounts, risk assets, and returns using the Risk Appetite Framework. - FY2019-Q1RestatedAnnual report
「We will also use the Risk Appetite Framework as a risk-management methodology to continuously monitor the amount of risk incorporated into the budget and the relationship between risk assets and returns, optimize risk and return, and establish a firm upward trend in gross operating profit.」
The company reconfirmed the monitoring and optimization of risk amounts, risk assets, and returns through the Risk Appetite Framework. - FY2018First statedAnnual report
「We will also use the Risk Appetite Framework as a risk-management methodology to continuously monitor the amount of risk incorporated into the budget and the relationship between risk assets and returns, optimize risk and return, and establish a firm upward trend in gross operating profit.」
The company disclosed for the first time the introduction and use of the Risk Appetite Framework as a method for forming a portfolio while balancing earnings, risk, and capital.