Market risk from declines in investment asset prices and rising market interest rates
First written in FY2024. 4 of 7 entries say "Materialised", first in FY2025-H1. Latest entry: 2026-11-13.
Credit Saison moved to the "Worse" side of this theme in 2024, 5 years after the typical company in this theme (2019).
The whole theme swung hardest in 2019: 14 of 25 companies on the "Worse" side.
8 other companies' latest entry also says "Mitigated".
- 2026-11-13MitigatedResults
「以上の結果、当中間連結会計期間の純収益は412億96百万円（前年同期比40.2％増）、事業利益は59億98百万円（前年同期は事業損失46億95百万円）となりました。」
グローバル事業は前年同期の事業損失から事業利益へ転じ、投資資産価格下落・評価変動に関連する損失状況が中間期実績では改善した。 - FY2026WorsenedAnnual report
「As a result, net revenue for the consolidated fiscal year was ¥6.2438 billion, up 21.2% year on year. Meanwhile, business loss was ¥1.428 billion, compared with business profit of ¥3.384 billion in the previous fiscal year, due to additional credit costs arising from changes in the business environment in the lending business in Indonesia, which had been recognized through the current fiscal year, and impairment losses recognized in the Investment Business, among other factors.」
In addition to impairment losses in the Investment Business, additional credit costs in the lending business in Indonesia caused the global business to turn from a profit in the previous fiscal year to a loss of ¥1.428 billion. - 2026-05-15MaterialisedResults
「インドネシアのレンディング事業における事業環境の変化に伴う貸倒コストの追加や、インベストメント事業における評価損の計上等により、事業損失は14億28百万円（前期は事業利益33億84百万円）となりました。」
貸倒コストの追加および投資評価損により、グローバル事業が事業利益から事業損失へ転じた。 - FY2026-H1MaterialisedAnnual report
「As a result, net revenue for the six-month consolidated accounting period was ¥2.9447 billion, up 37.5% year on year. Meanwhile, business loss was ¥4.695 billion, compared with a business loss of ¥511 million in the same period of the previous year, due to additional credit costs arising from changes in the business environment in the lending business in Indonesia and impairment losses recognized in the Investment Business, among other factors.」
In addition to impairment losses in the Investment Business, additional credit costs were recognized in the lending business in Indonesia, causing the global business loss to widen from the same period of the previous year. - FY2025MaterialisedAnnual report
「The Investment Business recognized impairment losses on investees.」
Impairment losses on investments were recognized, and the risk of declines and valuation fluctuations in investment asset prices materialized as an actual loss. - FY2025-H1MaterialisedAnnual report
「Meanwhile, primarily due to impairment losses on investees in the Investment Business, business loss was ¥511 million, compared with business profit of ¥1.758 billion in the same period of the previous year.」
Impairment losses on investments were recognized, and the risk of declines and valuation fluctuations in investment asset prices materialized as a business loss in the global business. - FY2024First statedAnnual report
「The Group invests in the shares of listed and unlisted companies, venture capital funds, bonds, real estate and real estate funds. If the prices of these investment assets decline in the market, the Group’s operating performance and financial condition may be adversely affected. In addition to indirect financing through borrowings from banks and other financial institutions, the Group uses direct financing such as corporate bonds, including financing at variable interest rates. A sharp rise in market interest rates may adversely affect the Group’s operating performance and financial condition.」
The company identified declines in investment asset prices and rising market interest rates as market risks affecting both investments and funding. It stated that these risks would be managed through asset-liability management, investment limits, prior screening and monitoring.