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The Bank of Iwate (8345) · RiskWorsened

Climate Change Transition and Physical Risks and Their Impact on Credit Costs

First written in FY2023. 2 of 3 entries say "Worsened", first in FY2024. Latest entry: FY2026.

3entries
4years
0from disclosures
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How it moved
ProgressHeldSoftenedWorseFirst statedFY2023WorsenedFY2024 – FY20262023: 120232024: 120242025: 020252026: 12026
Same theme, other companies
Credit and operational risks arising from climate changeA theme 50 companies write about · 52 as a headwind · 0 as a tailwind

The Bank of Iwate moved to the "Worse" side of this theme in 2024, 2 years before the typical company in this theme (2026).

The whole theme swung hardest in 2024: 6 of 35 companies on the "Worse" side.

8 other companies' latest entry also says "Worsened".

Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
Showing 14 of the 50 companies compared. The sentences above are computed from all 50.
Full recordFilings, disclosures and news, newest first
  1. FY2026WorsenedAnnual report

    「The analysis indicates that transition risk is expected to increase credit costs by a cumulative ¥3 billion.」

    The expected increase in credit costs from transition risk rose from the previous cumulative estimate of ¥1.6 billion to ¥3 billion. The expected increase in credit costs and other costs from physical risk is also estimated at a maximum of ¥2.3 billion.
  2. FY2024WorsenedAnnual report

    「The analysis indicates that transition risk is expected to increase credit costs by a cumulative ¥1.6 billion.」

    The expected increase in credit costs from transition risk rose from the previous cumulative estimate of ¥700 million to ¥1.6 billion. The expected increase in credit costs and other costs from physical risk also reached a maximum of ¥1.6 billion.
  3. FY2023First statedAnnual report

    「The analysis indicates that transition risk is expected to increase credit costs by a cumulative ¥700 million.」

    The Bank analyzed transition risk in the power sector under the IEA 1.5°C scenario and expects cumulative credit costs to increase by ¥700 million. For physical risk, it analyzed flooding and other risks in Iwate Prefecture under the IPCC 4°C scenario and expects credit costs to increase by up to ¥1.5 billion.
Moved together

"Declining Capital Adequacy Ratio and Risk of Falling Below Regulatory Thresholds" moved the same way as this thread, in the same document, in 2 of its 3 moves.

22222★12345
  1. ★This thread
  2. 1Declining Capital Adequacy Ratio and Risk of Falling Below Regulatory Thresholds2×
  3. 2Credit Risk Arising from Deterioration in Borrowers’ Financial Condition and Loan Defaults2×
  4. 3Widening Segment Loss in Leasing2×
  5. 4Decline in revenue and profit in the credit card and credit guarantee industries2×
  6. 5Downward pressure on the domestic economy from high crude oil prices, yen depreciation, and rising prices2×

★ is this thread; numbers match the list above. The number on a line is how many documents both moved the same way in; lines between the other threads count the documents they moved together in too. Threads that move together often sit closer.

When this could move next
No upcoming earnings preview for The Bank of Iwate yet.
News
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Climate Change Transition and Physical Risks and Their Impact on Credit Costs | The Bank of Iwate,Ltd. (8345) | Komori