Risk of Business and Digital Strategies Failing to Deliver
First written in FY2020. 1 of 3 entries say "Mitigated", first in FY2021. Latest entry: FY2024.
The whole theme swung hardest in 2026: 9 of 10 companies on the "Worse" side.
12 other companies' latest entry also says "Restated".
- FY2024RestatedAnnual report
「At management meetings and other forums, the Bank formulates management plans and various initiatives after conducting multifaceted reviews. It also evaluates and analyzes progress and operates flexibly by revising plans and other measures as necessary.」
As a response to the risk that business strategies may fail to deliver results, the Bank continues to conduct multifaceted reviews, evaluate and analyze progress, and revise plans as necessary. - FY2021MitigatedAnnual report
「At management meetings and other forums, the Bank formulates management plans and various initiatives after conducting multifaceted reviews. It also evaluates and analyzes progress and operates flexibly by revising plans and other measures as necessary.」
As a response to the risk that business strategies may fail to deliver results, the Bank expressly described multifaceted reviews at management meetings, progress evaluation and analysis, and revisions to plans as necessary. - FY2020First statedAnnual report
「The Bank implements various business strategies to strengthen its earnings power. However, these strategies may fail to deliver results or may not produce the outcomes initially anticipated due to various factors, potentially affecting the Bank's performance and financial condition. Examples of strategies that may fail to deliver results include the following: ・Failure to expand lending to high-quality customers as planned ・Failure to secure lending margins as planned ・Failure to increase fee income as planned ・Failure to provide financial services as planned due to delays in the digital strategy or other factors ・Failure to implement efficiency-enhancement strategies as planned」
For the first time, the Bank systematically described the risk that existing initiatives involving expanded lending, securing lending margins, fee income, digital strategy and efficiency improvements may fail to achieve their objectives as a business strategy risk.