Avoidance of opaque risk products and management of interest-rate movements through ALM
First written in FY2016. 5 of 6 entries say "Restated". Latest entry: FY2023.
The whole theme swung hardest in 2026: 9 of 36 companies on the "Worse" side.
22 other companies' latest entry also says "Restated".
- FY2023RestatedAnnual report
「The Company’s policy is not to invest in products for which the ultimate holder of the risk is unclear. In addition, because it holds primarily financial assets and financial liabilities exposed to interest-rate movements, the Company implements asset-liability management (ALM) to prevent adverse effects from changes in interest rates.」
We continue to avoid opaque risk products and manage interest-rate fluctuations through ALM. - FY2021RestatedAnnual report
「The Company’s policy is not to invest in products for which the ultimate holder of the risk is unclear. In addition, because it holds primarily financial assets and financial liabilities exposed to interest-rate movements, the Company implements asset-liability management (ALM) to prevent adverse effects from changes in interest rates.」
The Company continues its policy of avoiding risk products and managing risk through ALM. - FY2019RestatedAnnual report
「The Company invests its funds through lending operations centered on loans to small and medium-sized enterprises and other borrowers and personal loans, market-based loans such as repackaged loans in response to the widening loan-to-deposit gap, and securities investments centered on Japanese government bonds. The Company’s policy is not to invest in products for which the ultimate holder of the risk is unclear. In addition, because it holds primarily financial assets and financial liabilities exposed to interest-rate movements, the Company implements asset-liability management (ALM) to prevent adverse effects from changes in interest rates.」
The Company continues to pursue a policy of avoiding opaque risk products and managing interest-rate movements through ALM. - FY2018RestatedAnnual report
「The Company’s policy is not to invest in products for which the ultimate holder of the risk is unclear. In addition, because it holds primarily financial assets and financial liabilities exposed to interest-rate movements, the Company implements asset-liability management (ALM) to prevent adverse effects from changes in interest rates.」
We continue to avoid opaque risk products and manage interest-rate fluctuations through ALM. - FY2017RestatedAnnual report
「The Company’s policy is not to invest in products for which the ultimate holder of the risk is unclear. In addition, because it holds primarily financial assets and financial liabilities exposed to interest-rate movements, the Company implements asset-liability management (ALM) to prevent adverse effects from changes in interest rates.」
We continue to avoid opaque risk products and manage interest-rate fluctuations through ALM. - FY2016First statedAnnual report
「The Company’s policy is not to invest in products for which the ultimate holder of the risk is unclear. In addition, because it holds primarily financial assets and financial liabilities exposed to interest-rate movements, the Company implements asset-liability management (ALM) to prevent adverse effects from changes in interest rates.」
The Company provides loans to small and medium-sized enterprises and individuals and invests in securities, while managing interest-rate movements through ALM and limited derivatives transactions.