Risk of funding outflows and liquidity strain
First written in FY2016. 3 of 9 entries say "Restated". Latest entry: FY2026-H1.
The whole theme swung hardest in 2026: 3 of 15 companies on the "Worse" side.
4 other companies' latest entry also says "Other".
- FY2026-H1A return to deposit growthAnnual report
「Deposits, including negotiable certificates of deposit, increased by ¥31.5 billion from the end of the previous consolidated fiscal year (31 March 2025) to ¥3.4272 trillion at the end of the current interim consolidated fiscal period (30 September 2025), as increases in corporate and public-sector deposits outweighed a decrease in individual deposits.」
Although individual deposits decreased, deposits including negotiable certificates of deposit increased by ¥31.5 billion from the end of the previous fiscal year because of increases in corporate and public-sector deposits. - FY2025-H1Continued decline in total deposits due to a decrease in corporate depositsAnnual report
「Deposits, including negotiable certificates of deposit, decreased by ¥11.0 billion from the end of the previous consolidated fiscal year (31 March 2024) to ¥3.3208 trillion at the end of the current interim consolidated fiscal period (30 September 2024), as increases in individual and public-sector deposits were outweighed by a decrease in corporate deposits.」
Although individual and public-sector deposits increased, deposits including negotiable certificates of deposit decreased by ¥11.0 billion from the end of the previous fiscal year because of a decrease in corporate deposits. The trend of declining corporate deposits and total deposits was also confirmed for the interim period. - FY2024Full-year confirmation of the decline in corporate and public-sector depositsAnnual report
「Deposits from customers are the main source of funding in the banking business. During the current consolidated fiscal year, corporate and public-sector deposits decreased, but individual deposits remained firm, enabling the bank to maintain stable funding for investments in loans and securities.」
The bank maintained stable funding as individual deposits remained firm, despite continued declines in corporate and public-sector deposits. - FY2024-Q3Continued decline in total deposits due to decreases in corporate and public-sector depositsAnnual report
「Deposits, including negotiable certificates of deposit, decreased by ¥57.9 billion from the end of the previous consolidated fiscal year to ¥3.3226 trillion, as increases in individual deposits were outweighed by decreases in corporate and public-sector deposits.」
Although individual deposits increased, deposits including negotiable certificates of deposit decreased by ¥57.9 billion from the end of the previous consolidated fiscal year to ¥3.3226 trillion because of decreases in corporate and public-sector deposits. - FY2022RestatedAnnual report
「Deposits from customers are the main source of funding in the banking business. During the current consolidated fiscal year, deposit balances increased, mainly because of an increase in individual deposits, as the decline in consumption and investment and the tendency to retain cash amid the COVID-19 pandemic continued. The bank maintained stable funding for investments in loans and securities.」
The bank has continued to maintain stable funding centered on deposits and secure liquidity and capital. - FY2020WorsenedAnnual report
「The bank also expects customer demand for funds to increase further because of the spread of COVID-19.」
The bank has newly assumed the possibility that the spread of infectious diseases could further increase customer demand for funds and states that it will secure liquidity and capital. - FY2019RestatedAnnual report
「The bank has also established in advance contingency measures covering responses when liquidity comes under pressure, ensuring comprehensive liquidity risk management.」
The bank has established contingency measures in advance for periods of liquidity pressure and reaffirmed its policy of managing liquidity risk. - FY2017RestatedAnnual report
「In addition to working to maintain asset soundness and creditworthiness so as to avoid funding pressure, the bank conducts detailed daily analyses of its funding and investment conditions to ensure that it can always maintain ample liquidity, and maintains sound holdings of highly liquid assets such as government bonds.」
The bank has reaffirmed its liquidity management measures, including analyzing funding and investment conditions, holding highly liquid assets and implementing contingency measures. - FY2016First statedAnnual report
「However, mismatches in the maturities of funding from deposits and other sources and the investment of funds in loans, securities and other assets, as well as unexpected cash outflows, could disrupt funding, making it impossible to manage liquidity or forcing the bank to raise funds at significantly higher interest rates.」
The bank identifies difficulty in obtaining funding caused by maturity mismatches between assets and liabilities or unexpected cash outflows as liquidity risk.