Systematic Risk Management and Compliance Framework

「We have also established the Risk Management Committee, ALM Committee and Security Committee as advisory bodies to the Management Committee on risk matters.」

「We have also established the Risk Management Committee, ALM Committee and Security Committee as advisory bodies to the Management Committee on risk matters, the Risk Management Division as the company-wide risk management function, and departments responsible for managing individual risks, and practise appropriate risk management.」

「Under the Risk Management Policy determined by the Board of Directors, we establish company-wide and individual risk management policies, as well as our risk management organisation and framework, identify the various risks associated with management and manage them appropriately. We have also established the Risk Management Committee and ALM Committee as advisory bodies to the Management Committee on risk matters, the Risk Management Division as the company-wide risk management function, and departments responsible for managing individual risks, and practise appropriate risk management.」

「We have established the Risk Management Committee to deliberate on important matters concerning the status of risk management and other issues presented by the departments responsible for overseeing each risk, and to make recommendations to the Management Committee. The committee met 5 times during the fiscal year.」

「Under the Basic Risk Management Policy determined by the Board of Directors, we establish company-wide risk management policies, basic policies for various risks, and our risk management organisation and framework. We identify and appropriately manage the various risks associated with management.」