Integrated Risk Management Based on Risk and Return
First written in FY2016. 12 of 18 entries say "Restated". Latest entry: FY2026.
3 other companies' latest entry also says "Restated".
- FY2026RestatedAnnual report
「We position the medium-term management plan and the risk appetite framework as the two pillars of management control and aim to optimise risk and return.」
Monitoring of the RAF, alignment with the medium-term management plan, capital allocation and the Integrated Risk Management Committee continue as the foundation of management control. - FY2025RestatedAnnual report
「In building its integrated risk management framework, the company uses a risk appetite framework and aligns it with business strategies such as its medium-term management plan. It has established a framework to plan, implement, monitor and revise initiatives to build a sustainable business model.」
Management through the risk appetite framework, various risk committees and the Integrated Risk Management Committee continues. - FY2025-H1RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
It states that there have been no material changes to the risks concerning integrated risk management. - FY2024-Q3RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
It states that there have been no material changes to the risks concerning integrated risk management. - FY2024-Q2RestatedAnnual report
「All receivables are assessed by business-related departments based on the self-assessment standards for assets, and an asset audit department independent of those departments audits the assessment results.」
The credit risk management procedures of asset assessments by business-related departments and audits by an independent asset audit department continue. - FY2023-Q3RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
It has been reiterated that there have been no material changes to the risk disclosures concerning integrated risk management. - FY2023-Q2RestatedAnnual report
「All receivables are assessed by business-related departments based on the self-assessment standards for assets, and an asset audit department independent of those departments audits the assessment results.」
The credit risk management procedures of asset assessments by business-related departments and audits by an independent asset audit department continue. - FY2022RestatedAnnual report
「In building its integrated risk management framework, the company uses a risk appetite framework and aligns it with business strategies such as its medium-term management plan. It has established a framework to plan, implement, monitor and revise initiatives to build a sustainable business model.」
The company continues to operate a management framework that uses a risk appetite framework and an Integrated Risk Committee to align with business strategy, conduct monitoring and make revisions. - FY2022-Q2RestatedAnnual report
「All receivables are assessed by business-related departments based on the self-assessment standards for assets, and an asset audit department independent of those departments audits the assessment results.」
The company continues to describe a credit risk management procedure involving asset assessments by business-related departments and audits by an independent asset audit department. - FY2021AdvancedAnnual report
「In building its integrated risk management framework, the company uses a risk appetite framework and aligns it with business strategies such as its medium-term management plan. It has established a framework to plan, implement, monitor and revise initiatives to build a sustainable business model.」
The company uses a risk appetite framework for integrated risk management and specifies an operating cycle covering alignment with business strategy, planning, implementation, monitoring and revision. - FY2020RestatedAnnual report
「Because the company is exposed to interest rate and price fluctuation risks in its principal businesses, including deposits, lending and securities investment, it allocates capital by risk type, conducts integrated risk management by controlling quantified risk exposure within the range of its capital, and carries out ALM (asset-liability management).」
The company continues to use capital allocation by risk type, risk measurement, management within the range of its capital and ALM as the foundations of integrated risk management. - FY2020-Q2RestatedAnnual report
「All receivables are assessed by business-related departments based on the self-assessment standards for assets, and an asset audit department independent of those departments audits the assessment results.」
The company continues to describe a credit risk management procedure under which business-related departments conduct self-assessments of receivables and an independent asset audit department audits them. - FY2019AdvancedAnnual report
「For investment real estate loans, the company introduced an external valuation system and will use valuations based on objective data from third-party organizations to exclude problematic cases, such as tampered rent rolls, and apply the results to investment real estate lending. It has also established a Real Estate-Related Business Partner Management System to centrally manage real estate sales and brokerage companies, rent guarantee companies, sublease companies and construction companies involved in real estate-backed lending. By incorporating external information into its internal database of antisocial forces, the company is excluding problematic cases and strengthening credit risk management.」
The company specifies its credit risk management framework, including the three lines of defense, an external valuation system, a Real Estate-Related Business Partner Management System and measures to ensure the independence of lending assessments. - FY2019-Q3RestatedAnnual report
「・Establishment of a credit risk management framework, including lending assessment management, and an internal audit framework」
The company reiterates establishing credit risk management and internal audit frameworks as items in its business improvement plan. - FY2019-Q2AdvancedAnnual report
「Establishment of a credit risk management framework, including lending assessment management, and an internal audit framework」
In addition to its existing integrated risk management, the company presents specific measures to establish a credit risk management framework, including lending assessment management, and an internal audit framework. - FY2018AdvancedAnnual report
「Since April 2018, the company has strengthened its oversight function by revising its framework so that the Executive Committee deliberates matters concerning the formulation of the loan portfolio, the Management Committee deliberates matters concerning loan portfolio management, and the Board of Directors deliberates matters concerning the verification and control of the loan portfolio.」
The company revised its framework for deliberation and verification of the loan portfolio by separating the roles of the Executive Committee, Management Committee and Board of Directors. - FY2017AdvancedAnnual report
「To address various risks, including credit risk, market risk, liquidity risk and operational risk, such as administrative and security risks, the company has established committees corresponding to individual risks and manages those risks individually. It has also established an Integrated Risk Management Committee to oversee these committees and manage the various risks comprehensively.」
The disclosure specifically describes a management framework comprising committees for each type of risk and the Integrated Risk Management Committee, and identifies the scope of integrated risk management. - FY2016First statedAnnual report
「In accordance with its Integrated Risk Management Policy, the company conducts integrated risk management by controlling risk exposure within the range of its capital while taking into account the balance between risks and returns associated with banking operations, and is working to improve the accuracy of this process.」
The company presents a policy of measuring various risks and managing risk exposure within the range of its capital.