Integrated Risk Management and Risk Control through ALM
First written in FY2016. 6 of 8 entries say "Restated". Latest entry: FY2025.
The Bank Of Saga moved to the "Worse" side of this theme in 2025.
The whole theme swung hardest in 2020: 2 of 11 companies on the "Worse" side.
0 other companies' latest entry also says "Reframed".
- FY2025ReframedAnnual report
「We classify risks by type into 4 categories: credit risk, market risk, liquidity risk, and operational risk. We designate a department responsible for each risk, conduct appropriate risk management according to the characteristics of each risk, and have the Risk Management Department manage these risks on an integrated basis.」
The framework of integrated risk management across 4 categories remains in place, while the wording has been revised to identify the Risk Management Department as the department responsible for integrated management. - FY2024RestatedAnnual report
「We classify risks by type into 4 categories: credit risk, market risk, liquidity risk, and operational risk. We designate a department responsible for each risk, conduct appropriate risk management according to the characteristics of each risk, and have the Corporate Planning and Administration Department manage these risks on an integrated basis.」
The framework of classification into 4 categories, designation of departments responsible for each risk, integrated management by the Corporate Planning and Administration Department, statistical risk exposure measurement, and risk capital allocation remains in place. - FY2022RestatedAnnual report
「Specifically, we measure risk exposure using statistical and other methods, allocate risk capital to credit risk, market risk, and operational risk, and control risk within levels acceptable to management. The status of integrated risk is reported to monthly management meetings, ALM meetings, and other forums, enabling the flexible implementation of necessary measures.」
Integrated risk management based on risk classification into 4 categories, risk exposure measurement, risk capital allocation, and reporting to management and ALM meetings remains in place. - FY2021RestatedAnnual report
「Specifically, we measure risk exposure using statistical and other methods, allocate risk capital to credit risk, market risk, and operational risk, and control risk within levels acceptable to management.」
Integrated risk management based on risk classification into 4 categories, risk exposure measurement, risk capital allocation, and reporting to management and ALM meetings remains in place. - FY2020RestatedAnnual report
「We measure risk exposure using statistical and other methods, allocate risk capital to credit risk, market risk, and operational risk, and control risk within levels acceptable to management. The status of integrated risk is reported to monthly management meetings, ALM meetings, and other forums, enabling the flexible implementation of necessary measures.」
Integrated risk management based on risk classification into 4 categories, risk exposure measurement, risk capital allocation, and reporting to management and ALM meetings remains in place. - FY2018RestatedAnnual report
「We measure risk exposure using statistical and other methods, allocate risk capital to credit risk, market risk, and operational risk, and control risk within levels acceptable to management. The status of integrated risk is reported to monthly management meetings, ALM meetings, and other forums, enabling the flexible implementation of necessary measures.」
The framework for integrated risk management is reiterated, comprising risk classification into 4 categories, risk exposure measurement, risk capital allocation, and reporting to management and ALM meetings. - FY2017RestatedAnnual report
「We measure risk exposure using statistical and other methods, allocate risk capital to credit risk, market risk, and operational risk, and control risk within levels acceptable to management. The status of integrated risk is reported to monthly management meetings, ALM meetings, and other forums, enabling the flexible implementation of necessary measures.」
The framework for integrated management is reiterated, comprising risk classification into 4 categories, risk exposure measurement, risk capital allocation, and reporting to management and ALM meetings. - FY2016First statedAnnual report
「We measure risk exposure using statistical and other methods, allocate risk capital to credit risk, market risk, and operational risk, and control risk within levels acceptable to management. The status of integrated risk is reported to monthly management meetings, ALM meetings, and other forums, enabling the flexible implementation of necessary measures.」
The framework classifies risks into 4 categories, credit, market, liquidity, and operational, and manages them through the departments responsible for each risk, the Corporate Planning and Administration Department, management meetings, and ALM meetings.