Administrative, Legal, Personnel, Event and Reputational Risk
First written in FY2016. 8 of 23 entries say "Restated". Latest entry: FY2026-H1.
The Oita Bank moved to the "Worse" side of this theme in 2017, 7 years before the typical company in this theme (2024).
The whole theme swung hardest in 2017: 3 of 16 companies on the "Worse" side.
0 other companies' latest entry also says "Materialised".
- FY2026-H1MaterialisedAnnual report
「Tourism remained at a high level, although the number of tourists temporarily declined due to rumors concerning disasters.」
States that rumors concerning disasters actually led to a temporary decline in the number of tourists. Tourism subsequently remained at a high level. - FY2024MitigatedAnnual report
「Tourism recovered as inbound visitors increased in addition to domestic visitors.」
States that the adverse impact of infectious diseases, restrictions on movement and other factors on tourism was reversed as domestic and inbound visitors increased. - FY2024-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no significant changes in the matters described in this quarterly report regarding the business and accounting conditions that could materially affect investors’ decisions, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
It states that there have been no material changes regarding administrative, legal, personnel, event and reputational risks. - FY2024-Q2MitigatedAnnual report
「Tourism is recovering, with both domestic and inbound visitors increasing.」
States that the adverse impact of infectious diseases, restrictions on movement and other factors on tourism is being reversed as domestic and inbound visitors increase. - FY2023MitigatedAnnual report
「Tourism recovered as measures to stimulate tourism demand were introduced and border-control measures for foreign visitors to Japan were substantially eased.」
States that the adverse impact of infectious diseases and restrictions on movement on tourism eased as demand-stimulation measures were introduced and border-control measures were relaxed. - FY2023-Q2MitigatedAnnual report
「Tourism has been recovering, supported by the easing of restrictions on movement and measures to stimulate tourism demand.」
States that the adverse impact of COVID-19 and restrictions on movement on tourism began to ease as restrictions on movement were relaxed and measures to stimulate tourism demand were introduced. - FY2022-Q2RestatedAnnual report
「Tourism remained in difficult conditions due to the impact of COVID-19.」
States that the adverse impact of COVID-19 on tourism continued into the first half of fiscal 2021. - FY2021WorsenedAnnual report
「Tourism remained in difficult conditions throughout the fiscal year due to the impact of COVID-19.」
The event and external-environment risks arising from COVID-19 continued to affect the regional economy throughout the fiscal year through their impact on tourism. - FY2021-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no significant changes in the matters described in this quarterly report regarding the business and accounting conditions that could materially affect investors’ decisions, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
It states that there have been no material changes regarding administrative, legal, personnel, event and reputational risks. - FY2021-Q2WorsenedAnnual report
「Tourism faced difficult conditions, with both domestic and overseas visitors declining rapidly and substantially due to the impact of COVID-19 and torrential-rain disasters.」
States that domestic and overseas tourism visitors declined rapidly and substantially due to COVID-19 and torrential-rain disasters, and that the actual impact of events, disasters and other factors on the regional economy is expanding. - FY2020MaterialisedAnnual report
「Tourism remained broadly flat overall, as the Rugby World Cup was held while the deterioration in Japan–South Korea relations led to a sharp decline in South Korean tourists. Toward the end of the fiscal year, however, tourism weakened due to the impact of COVID-19.」
States that, in addition to the deterioration in Japan–South Korea relations, COVID-19 caused actual weakness in tourism at the end of the fiscal year. - FY2020-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no significant changes in the matters described in this quarterly report regarding the business and accounting conditions that could materially affect investors’ decisions, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
Comprehensively states that there have been no material changes concerning administrative, legal, human resources, event and reputational risks. - FY2020-Q2MaterialisedAnnual report
「Tourism recovered, but showed some weakness from the summer onward, including a decline in the number of South Korean visitors staying overnight as Japan–South Korea relations deteriorated.」
States that the deterioration in Japan–South Korea relations actually caused a decline in the number of South Korean visitors staying overnight, resulting in some weakness in tourism. - FY2019-Q2MaterialisedAnnual report
「Tourism recovered gradually, but the effects of extreme heat, torrential rains and typhoons were seen in some areas during the summer.」
States that extreme heat, torrential rains and typhoons actually occurred and affected tourism in some areas. - FY2019-Q1RestatedAnnual report
「During the first quarter of the current consolidated cumulative period, there were no occurrences of matters that could materially affect investors’ investment decisions among the matters relating to the business and financial position described in this quarterly report, nor were there any material changes to the “Business and Other Risks” described in the annual securities report for the previous fiscal year.」
Comprehensively states that there have been no material changes concerning administrative, legal, human resources, event and reputational risks. - FY2018MaterialisedAnnual report
「Personal consumption and tourism weakened around the middle of the fiscal year due to factors including the Northern Kyushu Torrential Rains in July, a typhoon making landfall in September and two typhoons approaching in October, but subsequently showed signs of recovery.」
States that the Northern Kyushu Torrential Rains and typhoons making landfall or approaching actually occurred and affected personal consumption and tourism. - FY2018-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no significant changes in the matters described in this quarterly report regarding the business and accounting conditions that could materially affect investors’ decisions, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
It states that there have been no material changes regarding administrative, legal, personnel, event and reputational risks. - FY2018-Q2MaterialisedAnnual report
「Tourism began to recover at the start of the fiscal year, partly as a reaction to the decline caused by the Kumamoto Earthquake in April last year. However, a series of major disasters occurred, including the Northern Kyushu Torrential Rains in July and flooding caused by Typhoon No. 18 in September, and their effects have been seen in some areas.」
While tourism showed signs of recovery as a reaction to the Kumamoto Earthquake, the Northern Kyushu Torrential Rains and flooding caused by Typhoon No. 18 actually occurred and affected parts of the regional economy. - FY2017MaterialisedAnnual report
「In December 2016, the Bank discovered misconduct by a former employee and sincerely apologized for causing concern to its shareholders.」
States that misconduct by officers and employees has actually occurred as an operational risk. - FY2017-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no significant changes in the matters described in this quarterly report regarding the business and accounting conditions that could materially affect investors’ decisions, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
It states that there have been no material changes regarding administrative, legal, personnel, event and reputational risks. - FY2017-Q2MaterialisedAnnual report
「The regional economy showed signs of stagnation at the beginning of the fiscal year, partly because of the Kumamoto Earthquake that occurred in April. Tourism declined sharply immediately after the earthquake, but from July onward there were signs of recovery, supported by various measures including the Kyushu Fukko-Wari tourism subsidy program.」
The disclosure states that an event risk involving a natural disaster materialized, with the Kumamoto Earthquake causing stagnation in the regional economy and a decline in tourism. It also describes the subsequent recovery. - FY2017-Q1RestatedAnnual report
「During the first quarter of the current consolidated cumulative period, there were no occurrences of matters that could materially affect investors’ investment decisions among the matters relating to the business and financial position described in this quarterly report, nor were there any material changes to the “Business and Other Risks” described in the annual securities report for the previous fiscal year.」
It states that there have been no material changes regarding administrative, legal, personnel, event and reputational risks. - FY2016First statedAnnual report
「The Bank may incur losses because of inappropriate processes, activities by officers and employees, or systems, or because of events occurring externally, which may adversely affect its operating results and financial condition.」
Administrative accidents, misconduct, violations of laws and regulations, loss of personnel, natural disasters and reputational damage are listed as components of operational risk.