Enhancing the Framework for Managing Credit, Market and ALM Risks
First written in FY2017. 2 of 4 entries say "Restated". Latest entry: FY2025.
The whole theme swung hardest in 2026: 8 of 35 companies on the "Worse" side.
19 other companies' latest entry also says "Restated".
- FY2025RestatedAnnual report
「The group manages credit risk through individual management for each obligor and portfolio management based on an assessment of its credit assets as a whole.」
The disclosure continues to cover credit risk management through individual and portfolio management, credit limits by rating and industry, quarterly measurement and reporting to the ALM Committee. - FY2022AdvancedAnnual report
「The group manages credit risk through individual management for each obligor and portfolio management based on an assessment of its credit assets as a whole. It also seeks to avoid concentrations of credit exposure by setting credit limits by rating and industry, and regularly or as needed reviews the current status of borrowers and its lending policies. Credit risk exposure is measured quarterly, with the results reported to the ALM Committee and other bodies, as the group works to contain credit risk.」
Credit risk management has been given concrete form through individual and portfolio management, credit limits by rating and industry, quarterly measurement and reporting to the ALM Committee. - FY2018RestatedAnnual report
「In addressing credit risk, the bank is developing its review framework and personnel while actively working to enhance credit risk management.」
The disclosure continues to cover the enhancement of credit, market and ALM risk management through the review framework, personnel development, VaR, stress testing and the ALM Committee. - FY2017First statedAnnual report
「The bank will further strengthen its risk management frameworks, including credit risk management, and its ALM framework.」
The medium-term management plan specifies the strengthening of various forms of risk management, including credit risk management, and the ALM framework as an initiative. It also describes measures including VaR, stress testing and monitoring by the ALM Committee.