Integrated Risk Management and Enhanced Governance
First written in FY2016. 6 of 7 entries say "Advanced", first in FY2017. Latest entry: FY2026.
- FY2026AdvancedAnnual report
「During the fiscal year, we conducted system failure response drills across all group companies based on a scenario involving damage from a ransomware attack.」
Integrated risk management was given concrete form through ransomware response drills across all group companies and blind drills by the Emergency Response Committee. - 2026-03-26AdvancedM&A and Subsidiary Changes
「To maximize the potential of the management resources of both companies, we will establish a robust group management and control framework and steadily achieve sustainable growth and enhanced corporate value.」
The post-integration group management and control framework was developed toward integrated use of management resources and more sophisticated management. - FY2025AdvancedAnnual report
「During the fiscal year, we conducted large-scale disaster preparedness drills across all group companies based on a scenario involving an inland earthquake directly beneath the Tokyo metropolitan area, assuming more severe damage than in previous drills.」
Integrated risk management was given concrete form through inland earthquake drills across all group companies, verification by headquarters of support arrangements for affected branches, and the preparation of response manuals for failures of critical systems. - FY2021AdvancedAnnual report
「We conducted an all-bank drill based on a scenario involving the spread of COVID-19 and continued to develop our crisis management framework, including by addressing the issues identified.」
The Risk Governance Group was established, business strategy and risk were monitored together, and a torrential-rain disaster response manual and all-bank drills were implemented. - FY2020AdvancedAnnual report
「Specifically, twice a year the Board of Directors determines the amount of risk capital allocated to each risk category, using as the allocation base the amount of Common Equity Tier 1 capital after deducting valuation and translation adjustments, thereby controlling risk.」
The management framework was detailed to include the integration of risk amounts using VaR and other measures, comparison with capital, semiannual risk capital allocation, and monthly reporting to management. - FY2017AdvancedAnnual report
「During the fiscal year, we revised regulations relating to liquidity risk management, including a review of the regulatory framework.」
The framework of the liquidity risk management regulations was reviewed as integrated risk management continued. - FY2016First statedAnnual report
「As banking risks have diversified and become more complex, we manage credit risk, market risk and liquidity risk, among others, not only individually but also through integrated, centralized risk management. In addition, with the enhancement of risk management as a key initiative, we are strengthening integrated risk management, enhancing the management of integrated and individual risks, and reinforcing our audit framework.」
Integrated management using the Risk Management Division, the ALM and Profit Management Committee, and the audit framework is a key initiative.