Risks related to administrative processing, fraud, counterfeit and stolen cards, and bank transfer scams
First written in FY2016. 16 of 17 entries say "Restated". Latest entry: FY2025-H1.
The whole theme swung hardest in 2026: 5 of 7 companies on the "Worse" side.
4 other companies' latest entry also says "Restated".
- FY2025-H1RestatedAnnual report
「During the six months ended 30 September, there were no material changes in the occurrence of major risks that management recognizes could materially affect the financial position, operating results or cash flows of the consolidated companies, among the matters concerning the business and financial conditions described in the interim securities report, or in the business and other risks of the Bank Group (the Bank and its consolidated subsidiaries) described in the annual securities report for the previous fiscal year. Nor were there any matters relating to newly arisen business and other risks.」
States that there have been no significant changes or new risks among the major risks, including operational processing, fraud, card-related crime and bank transfer scams. - FY2024-Q3RestatedAnnual report
「During the nine months ended 31 December, there were no material changes in the occurrence of major risks that management recognizes could materially affect the financial position, operating results or cash flows of the consolidated companies, among the matters concerning the business and financial conditions described in the quarterly securities report, or in the business and other risks of the Bank Group described in the annual securities report for the previous fiscal year. Nor were there any matters relating to newly arisen business and other risks.」
States that there have been no significant changes or new risks among the major risks, including operational processing, fraud, card-related crime and bank transfer scams. - FY2024-Q2RestatedAnnual report
「During the six months ended 30 September, there were no material changes in the occurrence of major risks that management recognizes could materially affect the financial position, operating results or cash flows of the consolidated companies, among the matters concerning the business and financial conditions described in the quarterly securities report, or in the business and other risks of the Bank Group described in the annual securities report for the previous fiscal year. Nor were there any matters relating to newly arisen business and other risks.」
States that there have been no significant changes or new risks among the major risks, including operational processing, fraud, card-related crime and bank transfer scams. - FY2024-Q1RestatedAnnual report
「During the first three months of the current fiscal year, there were no material changes in the occurrence of major risks that management recognizes could materially affect the financial position, operating results or cash flows of the consolidated companies, among the matters concerning the business and financial conditions described in the quarterly securities report, or in the business and other risks of the Bank Group (the Bank and its consolidated subsidiaries) described in the annual securities report for the previous fiscal year. Nor were there any matters relating to newly arisen business and other risks.」
States that there have been no significant changes or new risks among the major risks, including operational processing, fraud, card-related crime and bank transfer scams. - FY2023-Q1RestatedAnnual report
「During the first three months of the current fiscal year, there were no material changes in the occurrence of major risks that management recognizes could materially affect the financial position, operating results or cash flows of the consolidated companies, among the matters concerning the business and financial conditions described in the quarterly securities report, or in the business and other risks of the Bank Group (the Bank and its consolidated subsidiaries) described in the annual securities report for the previous fiscal year. Nor were there any matters relating to newly arisen business and other risks.」
States that there have been no significant changes or new risks among the major risks, including operational processing, fraud, card-related crime and bank transfer scams. - FY2021RestatedAnnual report
「Although the possibility of this risk materializing is low, the Bank recognizes it as a significant risk that could have a major impact if a serious incident were to occur.」
It reconfirms the risks relating to administrative processing, fraud, special fraud and cash-card theft, among others, together with the responses provided through regulations, internal audits and the administrative control framework. - FY2020-Q1RestatedAnnual report
「During the first three months of the current fiscal year, there were no material changes in the business and other risks of the Bank Group (the Bank and its consolidated subsidiaries) described in the annual securities report for the previous fiscal year. Nor were there any matters relating to newly arisen business and other risks.」
It states that there have been no material changes or new risks relating to administrative processing, fraud, card-related crime and bank-transfer scams, among others. - FY2019-Q3RestatedAnnual report
「During the nine months ended 31 December, there were no material changes in the business and other risks of the Bank Group (the Bank and its consolidated subsidiaries) described in the annual securities report for the previous fiscal year. Nor were there any matters relating to newly arisen business and other risks.」
It summarizes that there have been no material changes or new risks relating to administrative processing, fraud, card-related crime and bank-transfer scams, among others. - FY2019-Q2RestatedAnnual report
「During the six months ended 30 September, there were no material changes in the business and other risks of the Bank Group (the Bank and its consolidated subsidiaries) described in the annual securities report for the previous fiscal year. Nor were there any matters relating to newly arisen business and other risks.」
It states that there have been no material changes or new risks relating to administrative processing, fraud, card-related crime and bank-transfer scams, among others. - FY2018-Q3RestatedAnnual report
「During the nine months ended 31 December, there were no material changes in the business and other risks of the Bank Group described in the annual securities report for the previous fiscal year. Nor were there any matters relating to newly arisen business and other risks.」
It states that there have been no material changes or new risks relating to administrative processing, fraud, card-related crime and bank-transfer scams, among others. - FY2018-Q2RestatedAnnual report
「During the six months ended 30 September, there were no material changes in the business and other risks of the Bank Group (the Bank and its consolidated subsidiaries) described in the annual securities report for the previous fiscal year. Nor were there any matters relating to newly arisen business and other risks.」
It states that there have been no material changes or new risks relating to administrative processing, fraud, card-related crime and bank-transfer scams, among others. - FY2018-Q1RestatedAnnual report
「During the first three months of the current fiscal year, there were no material changes in the business and other risks of the Bank Group (the Bank and its consolidated subsidiaries) described in the annual securities report for the previous fiscal year. Nor were there any matters relating to newly arisen business and other risks.」
It states that there have been no material changes or new risks relating to administrative processing, fraud, card-related crime and bank-transfer scams, among others. - FY2017RestatedAnnual report
「Restrictions on ATM transfers for customers aged 65 or older who hold the Bank's cash cards and have not made an ATM transfer in the past 3 years」
As measures against counterfeit and stolen cards and bank-transfer scams, the Bank continues to implement measures such as ATM transfer restrictions based on customer age and usage history. - FY2017-Q3RestatedAnnual report
「During the nine months ended 31 December, there were no material changes in the business and other risks of the Bank Group described in the annual securities report for the previous fiscal year. Nor were there any matters relating to newly arisen business and other risks.」
It summarizes that there have been no material changes or new risks relating to administrative processing, fraud, card-related crime and bank-transfer scams, among others. - FY2017-Q2RestatedAnnual report
「During the six months ended 30 September, there were no material changes in the business and other risks of the Bank Group (the Bank and its consolidated subsidiaries) described in the annual securities report for the previous fiscal year. Nor were there any matters relating to newly arisen business and other risks.」
It summarizes that there have been no material changes or new risks relating to administrative processing, fraud, card-related crime and bank-transfer scams, among others. - FY2017-Q1RestatedAnnual report
「During the first three months of the current fiscal year, there were no material changes in the business and other risks of the Bank Group (the Bank and its consolidated subsidiaries) described in the annual securities report for the previous fiscal year. Nor were there any matters relating to newly arisen business and other risks.」
It summarizes that there have been no material changes or new risks relating to administrative processing, fraud, card-related crime and bank-transfer scams, among others. - FY2016First statedAnnual report
「However, inaccurate administrative processing resulting from insufficient understanding by officers and employees, inappropriate processing caused by fraud or errors, and inadequate measures against crimes involving counterfeit or stolen cash cards or bank-transfer scams could damage customer trust and result in claims for damages, potentially adversely affecting the Bank Group's operations, operating performance and financial condition.」
These risks are listed together with measures such as regulations, internal audits, ATM monitoring, payment limits and reconfirmation of the customer's transfer instructions.