Impact of climate change on natural disasters, credit and brand
First written in FY2024. . Latest entry: FY2026.
16 other companies' latest entry also says "Other".
- FY2026Climate-related impacts re-quantifiedAnnual report
「Deterioration in the macroeconomy attributable to the effects of rising temperatures on agriculture, water resources, health and other areas; impact on credit costs: approximately ¥5.82 billion」
The quantified impact of credit costs in the climate change scenario analysis was updated from approximately ¥4.14 billion to approximately ¥5.82 billion, and the impacts of multiple risks and opportunities were disclosed. - FY2025Quantification of climate-related impactsAnnual report
「Deterioration in the macroeconomy attributable to the effects of rising temperatures on agriculture, water resources, health and other areas; impact on credit costs: approximately ¥4.14 billion」
For climate change risks, the company quantified the impacts on credit costs, assets and selling, general and administrative expenses under the 1.5°C and 4°C scenarios over short-, medium- and long-term time horizons. - FY2024First statedAnnual report
「The Group’s operating performance and financial condition may be adversely affected by a decline in transaction volume and higher funding costs resulting from deterioration in the Group’s credit standing or brand due to delays in addressing climate change, as well as higher credit costs resulting from deterioration in customers’ household finances and business performance caused by extreme weather events such as typhoons and torrential rain.」
Climate change was identified as a separate material risk, with impacts on the brand, transaction volume, funding costs and credit costs. The TCFD analysis also disclosed quantified impacts, including approximately ¥4 billion in credit costs attributable to rising temperatures.