Group-Based Integrated Risk Management and Quantitative Management of Earnings, Risk and Capital
First written in FY2022. 5 of 6 entries say "Advanced", first in FY2023. Latest entry: FY2026.
2 other companies' latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「In September 2025, established a Risk Appetite Statement defining the risks to be taken and those to be avoided as specific risk-taking policies.」
ERM progressed beyond quantitative management of earnings, risk and capital to the implementation of risk-taking policies based on the Risk Appetite Statement. - 2026-06-01AdvancedGeneral Meetings of Shareholders
「Based on related rules, including the Basic Risk Management Regulations and the Risk Appetite Statement, we centrally manage risk across the JACCS Group. This includes appropriate risk-taking through the quantification of risks such as risk appetite, as well as separating business execution functions from risk management functions to ensure sound risk management.」
Group-wide risk management is implemented through quantitative risk-appetite management, separation of business execution and risk management functions, and centralized oversight. - FY2025AdvancedAnnual report
「As of the end of March 2025, measured risk exposure was within risk capacity, ensuring sufficient financial soundness to carry out the current business strategy.」
For quantitative management under ERM, presented measurement results showing that risk exposure was within risk capacity as of the end of March 2025. - FY2024AdvancedAnnual report
「As of the end of March 2024, measured risk exposure was within risk capacity, ensuring sufficient financial soundness to carry out the current business strategy.」
Reported that quantitative management of earnings, risk and capital under ERM was progressing and that risk exposure was within risk capacity as of the end of March 2024. - FY2023AdvancedAnnual report
「We sought to establish a systematic and organizational framework to support appropriate decision-making by reviewing risk categories in response to changes in the environment, establishing various rules and regulations relating to risk management, and creating a Risk Management Committee as an organization directly under the Management Committee, an advisory body to the COO.」
ERM progressed toward a framework for reviewing risk categories, establishing rules and regulations, creating a Risk Management Committee, and quantitatively managing earnings, risk and capital. - FY2022First statedAnnual report
「To ensure that ERM functions appropriately, we will quantify earnings, risk and capital and control the balance among them, thereby securing financial soundness, improving risk-adjusted profitability and enhancing capital efficiency.」
First set out a policy to expand risk management from responding to individual risks to group-wide ERM that manages the balance among earnings, risk and capital.