Impact on Earnings and Financial Condition from Unexpected Interest-Rate Changes
First written in FY2016. 14 of 30 entries say "Restated". Latest entry: 2026-08-14.
Bank of The Ryukyus,Limited moved to the "Worse" side of this theme in 2017.
0 other companies' latest entry also says "Materialised".
- 2026-08-14MaterialisedEarnings
「The deposit yield rose 0.07 percentage points from the second half of fiscal 2025 to 0.289%, reflecting higher deposit interest rates.」
Higher deposit interest rates were reflected in an increase in the deposit yield, as well as in higher funding costs and interest on deposits. - FY2026WorsenedAnnual report
「As of 31 March 2026, the Bank's interest rate risk (VaR) for financial instruments, excluding trading activities, was ¥19,087 million.」
Interest rate risk increased from ¥13,104 million to ¥19,087 million. Deposit interest also reached ¥5,541 million, with the impact of higher interest rates reflected in expenses. - 2026-05-12MaterialisedEarnings
「Recurring expenses increased by ¥6.397 billion from the previous fiscal year to ¥67.261 billion, due mainly to higher interest on deposits and operating expenses.」
Higher interest on deposits contributed to the increase in recurring expenses in the full-year results. - FY2026-H1MaterialisedAnnual report
「Meanwhile, ordinary expenses increased by ¥2,366 million year on year to ¥31,851 million, mainly due to higher operating expenses resulting from increased personnel expenses and higher deposit interest resulting from increases in deposit rates, among other factors.」
Higher deposit interest resulting from increases in deposit rates emerged in actual interim results as a factor behind the increase in ordinary expenses. - FY2025-H1MaterialisedAnnual report
「Meanwhile, in monetary policy, the Bank of Japan raised its policy rate by 0.15% in July, while the United States cut its policy rate by 0.50% in September. As a result, the yen appreciated against the US dollar to around ¥140 in September, but subsequently weakened to around ¥148 amid market expectations concerning monetary policy in Japan and the United States. Volatility has been high, and the impact on future prices is being closely monitored. Meanwhile, ordinary expenses increased by ¥1,520 million year on year to ¥29,485 million due to higher deposit interest, personnel expenses, cost of sales in the leasing business and credit-related expenses.」
Changes in policy rates in Japan and the United States and actual fluctuations in market interest rates and foreign exchange rates occurred, and were disclosed as factors behind the increase in ordinary expenses, including deposit interest. - FY2024WorsenedAnnual report
「As of 31 March 2024, the Bank's interest rate risk (VaR), excluding trading activities, was ¥13,104 million in total.」
Interest rate risk (VaR) was ¥13,104 million, a substantial increase from the previous fiscal year's disclosed figure. ALM and limit management are conducted on the assumption of monetary policy normalisation and rising market interest rates. - FY2024-Q3MaterialisedAnnual report
「Meanwhile, ordinary expenses increased by ¥5,887 million year on year to ¥43,021 million, mainly due to cost of sales associated with the conversion of a subsidiary into a consolidated subsidiary and higher foreign-currency funding costs resulting from the rise in US interest rates, among other factors.」
Higher foreign-currency funding costs resulting from the rise in US interest rates, together with cost of sales associated with the conversion of a subsidiary into a consolidated subsidiary, emerged in cumulative third-quarter results as factors behind the ¥5,887 million year-on-year increase in ordinary expenses. - FY2024-Q2MaterialisedAnnual report
「Meanwhile, ordinary expenses increased by ¥4,103 million year on year to ¥27,965 million, mainly due to higher foreign-currency funding costs resulting from the rise in US interest rates, among other factors.」
Higher foreign-currency funding costs resulting from the rise in US interest rates emerged in interim results as a factor behind the ¥4,103 million year-on-year increase in ordinary expenses. - FY2024-Q1MaterialisedAnnual report
「Meanwhile, ordinary expenses increased by ¥1,861 million year on year to ¥14,031 million, mainly due to higher foreign-currency funding costs resulting from the rise in US interest rates, among other factors.」
Higher foreign-currency funding costs resulting from the rise in US interest rates emerged in actual results as a factor behind the ¥1,861 million year-on-year increase in ordinary expenses. - FY2023-Q3MaterialisedAnnual report
「Meanwhile, ordinary expenses increased by ¥1,295 million year on year to ¥37,154 million, mainly due to higher foreign-currency funding costs resulting from the rise in US interest rates, among other factors.」
Higher foreign-currency funding costs resulting from the rise in US interest rates emerged in actual results as a factor behind the increase in ordinary expenses. - FY2023-Q1RestatedAnnual report
「During the cumulative first quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The Bank reaffirmed that there have been no material changes or new risks relating to the risk of earnings and financial impacts from interest rate movements since the previous fiscal year's disclosure. - FY2022MitigatedAnnual report
「As of 31 March 2022, the Bank's interest rate risk (VaR), excluding trading activities, was ¥6,445 million in total.」
Interest rate risk declined from ¥7,304 million in the previous fiscal year to ¥6,445 million. - FY2022-Q2RestatedAnnual report
「During the cumulative second quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure states that there have been no material changes or new risks relating to the risk of earnings and financial impacts from interest rate movements since the previous fiscal year's disclosure. - FY2021WorsenedAnnual report
「As of 31 March 2021, the Bank's interest rate risk (VaR), excluding trading activities, was ¥7,304 million in total.」
Interest rate risk increased from ¥6,460 million in the previous fiscal year to ¥7,304 million. - FY2021-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The Bank reaffirmed that there have been no material changes or new risks relating to the risk of earnings and financial impacts from unexpected interest rate movements. - FY2021-Q2RestatedAnnual report
「During the cumulative second quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The Bank reaffirmed that there have been no material changes or new risks relating to the risk of earnings and financial impacts from unexpected interest rate movements since the previous fiscal year's disclosure. - FY2021-Q1RestatedAnnual report
「During the cumulative first quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure states that there have been no material changes or new risks relating to the risk of earnings and financial impacts from unexpected interest rate movements. - FY2020-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure states that there have been no material changes or new risks relating to the risk of earnings and financial impacts from unexpected interest rate movements. - FY2020-Q2RestatedAnnual report
「During the cumulative second quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure states that there have been no material changes or new risks relating to the risk of earnings and financial impacts from unexpected interest rate movements. - FY2020-Q1RestatedAnnual report
「During the cumulative first quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure states that there have been no material changes or new risks relating to the risk of earnings and financial impacts from interest rate movements since the previous fiscal year. - FY2019MitigatedAnnual report
「As of 31 March 2019, the Bank's interest rate risk (VaR), excluding trading activities, was ¥6,460 million in total.」
Interest rate risk (VaR) declined from ¥9,673 million in the previous fiscal year to ¥6,460 million. - FY2019-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The Bank reaffirmed that there have been no material changes or new risks relating to the risk of earnings and financial impacts from interest rate movements. - FY2019-Q1RestatedAnnual report
「During the cumulative first quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure states that there have been no material changes or new risks relating to the risk of earnings and financial impacts from unexpected interest rate movements. - FY2018WorsenedAnnual report
「As of 31 March 2018, the Bank's interest rate risk (VaR), excluding trading activities, was ¥9,673 million in total.」
Interest rate risk (VaR) increased from ¥8,953 million in the previous annual disclosure to ¥9,673 million. - FY2018-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure states that there have been no material changes or new risks relating to the risk of earnings and financial impacts from unexpected interest rate movements. - FY2017WorsenedAnnual report
「As of 31 March 2017, the Bank's interest rate risk (VaR), excluding trading activities, was ¥8,953 million in total.」
The Bank disclosed interest rate risk (VaR) of ¥8,953 million, up from ¥6,755 million disclosed for the previous fiscal year. - FY2017-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The Bank reaffirmed that there have been no material changes or new risks relating to the risk of earnings and financial impacts from unexpected interest rate movements. - FY2017-Q2RestatedAnnual report
「During the cumulative second quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure states that there have been no material changes or new risks relating to the risk of earnings and financial impacts from unexpected interest rate movements. - FY2017-Q1RestatedAnnual report
「During the cumulative first quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure states that there have been no material changes or newly arising risks relating to interest rate movement risk since the previous fiscal year. - FY2016First statedAnnual report
「However, unexpected interest rate movements could adversely affect the performance and financial position of the Bank Group.」
Managed through ALM, gap analysis and interest rate sensitivity analysis. The disclosed interest rate risk (VaR) was ¥6,755 million.