Risk of higher funding costs and difficulty raising funds due to credit concerns, etc.
First written in FY2016. 28 of 32 entries say "Mitigated", first in FY2017-Q2. Latest entry: 2026-07-30.
The whole theme swung hardest in 2025: 12 of 50 companies on the "Worse" side.
23 other companies' latest entry also says "Mitigated".
- 2026-07-30MitigatedEarnings
「This was attributable mainly to increases of ¥8.396 billion in cash and deposits, ¥741 million in advances paid, ¥537 million in credit transaction assets, ¥504 million in customers' deposits, ¥400 million in short-term guarantee deposits, ¥175 million in subscription payments and similar items, and ¥120 million in settlement accounts, among other factors.」
Cash and deposits at the end of the first quarter increased by ¥8.396 billion from the end of the previous fiscal year. - FY2025-H1MitigatedAnnual report
「Cash and deposits at the end of the interim accounting period amounted to ¥3.3357 billion, which is sufficient for day-to-day working capital. As a financial institution maintaining current accounts with the Bank of Japan, the company believes it needs to hold funds for emergencies so that payments can continue without disruption even in the event of an unforeseen situation.」
Cash and deposits increased from ¥2.8011 billion at the end of the previous fiscal year to ¥3.3357 billion. The company continues measures including ongoing borrowing, securing borrowing facilities, its liquidity crisis response manual, and stress testing. - FY2024MitigatedAnnual report
「Cash and deposits at the end of the fiscal year amounted to ¥2.8011 billion, which is sufficient for day-to-day working capital. As a financial institution maintaining current accounts with the Bank of Japan, the company believes it needs to hold funds for emergencies so that payments can continue without disruption even in the event of an unforeseen situation.」
Cash and deposits increased from ¥2.1958 billion at the end of the previous fiscal year to ¥2.8011 billion. The company continues measures including its liquidity crisis response manual, stress testing, and securing borrowing facilities. - FY2024-Q3MitigatedAnnual report
「Cash and deposits at the end of the third quarter amounted to ¥3.2050 billion, which is sufficient for day-to-day working capital.」
Cash and deposits increased from ¥2.8003 billion in the previous quarter to ¥3.2050 billion, and the company indicated that they were sufficient for day-to-day working capital. It continues to borrow, secure borrowing facilities, and manage liquidity. - FY2024-Q2MitigatedAnnual report
「Cash and deposits at the end of the second quarter amounted to ¥2.7313 billion, which is sufficient for day-to-day working capital. As a financial institution maintaining current accounts with the Bank of Japan, the company believes it needs to hold funds for emergencies so that payments can continue without disruption even in the event of an unforeseen situation. In addition, it has prepared a liquidity crisis response manual and regularly conducts liquidity stress tests, reporting the results to the management committee.」
Cash and deposits increased from ¥2.1958 billion at the end of the previous fiscal year to ¥2.7313 billion, and the company indicated that they were sufficient for day-to-day working capital. It continues to maintain its liquidity crisis response manual and conduct regular stress tests. - FY2024-Q1MitigatedAnnual report
「Cash and deposits at the end of the first quarter amounted to ¥2.3951 billion, which is sufficient for day-to-day working capital.」
Cash and deposits of ¥2.3951 billion are considered sufficient for day-to-day working capital. The company also continues to maintain its liquidity crisis response manual, conduct regular stress tests, and secure borrowing facilities from banks and other institutions. - FY2023-Q3RestatedAnnual report
「Cash and deposits at the end of the third quarter amounted to ¥2.8003 billion, which is sufficient for day-to-day working capital.」
Cash and deposits of ¥2.8003 billion are considered sufficient for day-to-day working capital, and the company continues to address liquidity risks associated with difficulty in obtaining financing due to concerns about creditworthiness and other factors. - FY2023-Q2RestatedAnnual report
「Cash and deposits at the end of the second quarter amounted to ¥2.3214 billion, which is sufficient for day-to-day working capital. In addition, excluding margin-trading borrowings and securities lending transaction deposits received, borrowings currently amount to ¥275 million. Although the company could repay these borrowings using its own funds, it continues to borrow while emphasising its relationships with banks and other institutions in order to secure stable financing.」
Cash and deposits of ¥2.3214 billion are considered sufficient for day-to-day working capital, and the company continues to address liquidity through ongoing borrowing and the securing of borrowing facilities. - FY2023-Q1MitigatedAnnual report
「Cash and deposits at the end of the first quarter amounted to ¥2.4471 billion, which is sufficient for day-to-day working capital.」
Cash and deposits of ¥2.4471 billion are considered sufficient for day-to-day working capital, and the company continues to address liquidity risks associated with difficulty in obtaining financing due to concerns about creditworthiness and other factors. - FY2022MitigatedAnnual report
「The company considers the likelihood of this risk materialising to be low. Cash and deposits at the end of the fiscal year amounted to ¥2.2723 billion, which is sufficient for day-to-day working capital.」
The likelihood of liquidity risk was assessed as low. The company disclosed cash and deposits of ¥2.2723 billion, its liquidity crisis response manual, stress testing, and secured borrowing facilities. - FY2022-Q3MitigatedAnnual report
「Cash and deposits at the end of the third quarter amounted to ¥3.0596 billion, which is sufficient for day-to-day working capital. As a financial institution maintaining current accounts with the Bank of Japan, the company believes it needs to hold funds for emergencies so that payments can continue without disruption even in the event of an unforeseen situation.」
Cash and deposits increased from ¥2.5125 billion at the end of the previous fiscal year and ¥2.9711 billion at the end of the second quarter, and are considered sufficient for day-to-day working capital. The company also describes borrowings of ¥275 million and its efforts to secure borrowing facilities. - FY2022-Q2MitigatedAnnual report
「Cash and deposits at the end of the second quarter amounted to ¥2.9711 billion, which is sufficient for day-to-day working capital. As a financial institution maintaining current accounts with the Bank of Japan, the company believes it needs to hold funds for emergencies so that payments can continue without disruption even in the event of an unforeseen situation.」
Cash and deposits of ¥2.9711 billion are considered sufficient for day-to-day working capital, and the company continues to maintain liquidity to prepare for emergency payments. - FY2022-Q1MitigatedAnnual report
「Cash and deposits at the end of the first quarter amounted to ¥2.6654 billion, which is sufficient for day-to-day working capital. As a financial institution maintaining current accounts with the Bank of Japan, the company believes it needs to hold funds for emergencies so that payments can continue without disruption even in the event of an unforeseen situation.」
Cash and deposits of ¥2.6654 billion are considered sufficient for day-to-day working capital, and the company continues to maintain liquidity to prepare for emergency payments. - FY2021MitigatedAnnual report
「Cash and deposits at the end of the fiscal year amounted to ¥2.5125 billion, which is sufficient for day-to-day working capital. As a financial institution maintaining current accounts with the Bank of Japan, the company believes it needs to hold funds for emergencies so that payments can continue without disruption even in the event of an unforeseen situation.」
Cash and deposits of ¥2.5125 billion are considered sufficient for day-to-day working capital, and the company continues its efforts to maintain its liquidity crisis response manual, conduct stress tests, and secure borrowing facilities. - FY2021-Q3MitigatedAnnual report
「Cash and deposits at the end of the third quarter amounted to ¥2.7640 billion, which is sufficient for day-to-day working capital. As a financial institution maintaining current accounts with the Bank of Japan, the company believes it needs to hold funds for emergencies so that payments can continue without disruption even in the event of an unforeseen situation. In addition, it has prepared a liquidity crisis response manual and regularly conducts liquidity stress tests, reporting the results to the management committee.」
Cash and deposits increased from ¥2.3434 billion at the end of the previous fiscal year to ¥2.7640 billion, which the company considers sufficient for day-to-day working capital. It continues to maintain its liquidity crisis response manual and conduct regular stress tests. - FY2021-Q2MitigatedAnnual report
「Cash and deposits at the end of the second quarter amounted to ¥2.6722 billion, which is sufficient for day-to-day working capital. As a financial institution maintaining current accounts with the Bank of Japan, the company believes it needs to hold funds for emergencies so that payments can continue without disruption even in the event of an unforeseen situation. In addition, it has prepared a liquidity crisis response manual and regularly conducts liquidity stress tests, reporting the results to the management committee.」
Cash and deposits increased from ¥2.3434 billion at the end of the previous fiscal year to ¥2.6722 billion, which the company considers sufficient for day-to-day working capital. It continues to maintain its liquidity crisis response manual, conduct regular stress tests, and report to the management committee. - FY2021-Q1MitigatedAnnual report
「Cash and deposits at the end of the first quarter accounting period totaled ¥24.745 billion, which we believe is sufficient for day-to-day working capital. As a financial institution that maintains a current account with the Bank of Japan, we believe it is necessary to hold funds for emergencies so that settlement of funds is not disrupted even in the event of an emergency.」
Cash and deposits of ¥2.4745 billion are considered sufficient for day-to-day working capital, and the company continues to maintain its liquidity crisis response manual, conduct stress tests, and secure borrowing facilities from banks and other institutions. - FY2020-Q3MitigatedAnnual report
「Cash and deposits at the end of the third quarter accounting period totaled ¥26.495 billion, which we believe is sufficient for day-to-day working capital. As a financial institution that maintains a current account with the Bank of Japan, we believe it is necessary to hold funds for emergencies so that settlement of funds is not disrupted even in the event of an emergency. In addition, we have prepared a Funding Liquidity Crisis Response Manual for emergencies and regularly conduct funding liquidity stress tests, the results of which are reported to the management meeting.」
The company regards ¥26.495 billion in cash and deposits as sufficient for day-to-day working capital and continues to maintain its Funding Liquidity Crisis Response Manual and conduct regular stress tests. - FY2020-Q2MitigatedAnnual report
「Cash and deposits at the end of the second quarter accounting period totaled ¥23.266 billion, which we believe is sufficient for day-to-day working capital. As a financial institution that maintains a current account with the Bank of Japan, we believe it is necessary to hold funds for emergencies so that settlement of funds is not disrupted even in the event of an emergency. In addition, we have prepared a Funding Liquidity Crisis Response Manual for emergencies and regularly conduct funding liquidity stress tests, the results of which are reported to the management meeting.」
The company regards ¥23.266 billion in cash and deposits as sufficient for day-to-day working capital and continues to maintain its Funding Liquidity Crisis Response Manual and conduct regular stress tests. It is also working to secure credit lines from banks and other institutions with which it has no existing borrowing history. - FY2020-Q1MitigatedAnnual report
「Cash and deposits at the end of the first quarter accounting period totaled ¥22.613 billion, which we believe is sufficient for day-to-day working capital. As a financial institution that maintains a current account with the Bank of Japan, we believe it is necessary to hold funds for emergencies so that settlement of funds is not disrupted even in the event of an emergency. In addition, we have prepared a Funding Liquidity Crisis Response Manual for emergencies and regularly conduct funding liquidity stress tests, the results of which are reported to the management meeting.」
The company regards ¥22.613 billion in cash and deposits as sufficient for day-to-day working capital and continues to maintain its Funding Liquidity Crisis Response Manual and conduct regular stress tests. - FY2019MitigatedAnnual report
「Cash and deposits at the end of the current fiscal year totaled ¥23.869 billion, which we believe is sufficient for day-to-day working capital. We are also working to secure credit lines from banks and other institutions with which we have no existing borrowing history.」
The company regards ¥23.869 billion in cash and deposits as sufficient working capital and continues to secure credit lines, maintain its Funding Liquidity Crisis Response Manual and conduct stress tests. - FY2019-Q3MitigatedAnnual report
「Cash and deposits at the end of the third quarter accounting period totaled ¥23.623 billion, which we believe is sufficient for day-to-day working capital. As a financial institution that maintains a current account with the Bank of Japan, we believe it is necessary to hold funds for emergencies so that settlement of funds is not disrupted even in the event of an emergency.」
The company regards ¥23.623 billion in cash and deposits as sufficient for day-to-day working capital and continues to work to secure credit lines from banks and other institutions with which it has no existing borrowing history. It continues to address the liquidity aspects of the risk of difficulty raising funds due to credit concerns and other factors. - FY2019-Q2MitigatedAnnual report
「Cash and deposits at the end of the second quarter accounting period totaled ¥22.813 billion, which we believe is sufficient for day-to-day working capital. As a financial institution that maintains a current account with the Bank of Japan, we believe it is necessary to hold funds for emergencies so that settlement of funds is not disrupted even in the event of an emergency. In addition, we have prepared a Funding Liquidity Crisis Response Manual for emergencies and regularly conduct funding liquidity stress tests, the results of which are reported to the management meeting.」
The company regards ¥22.813 billion in cash and deposits as sufficient for day-to-day working capital and continues to maintain its Funding Liquidity Crisis Response Manual and conduct regular stress tests. - FY2019-Q1MitigatedAnnual report
「Cash and deposits at the end of the first quarter accounting period totaled ¥19.568 billion, which we believe is sufficient for day-to-day working capital. We are also working to secure credit lines from banks and other institutions with which we have no existing borrowing history.」
The company regards ¥19.568 billion in cash and deposits as sufficient for day-to-day working capital and describes efforts to secure credit lines from banks and other institutions with which it has no existing borrowing history. - FY2018MitigatedAnnual report
「Cash and deposits at the end of the current fiscal year totaled ¥20.387 billion, which we believe is sufficient for day-to-day working capital. In addition, we have prepared a Funding Liquidity Crisis Response Manual for emergencies and regularly conduct funding liquidity stress tests, the results of which are reported to the management meeting.」
The company regards ¥20.387 billion in cash and deposits as sufficient for day-to-day working capital and explains that it addresses funding and liquidity risks through its Funding Liquidity Crisis Response Manual and regular stress tests. - FY2018-Q3MitigatedAnnual report
「We fund our working capital mainly through borrowings and equity. We held ¥26.286 billion in cash and deposits during the third quarter accounting period, and believe that we have secured sufficient liquidity even after taking into account future investments in equipment, securities and other assets.」
The company stated that cash and deposits totaled ¥26.286 billion and that it had secured sufficient liquidity even after taking into account investments in equipment, securities and other assets. - FY2018-Q2MitigatedAnnual report
「We fund our working capital mainly through borrowings and equity. We held ¥25.316 billion in cash and deposits during the second quarter accounting period, and believe that we have secured sufficient liquidity even after taking into account future investments in equipment, securities and other assets.」
The company stated that cash and deposits totaled ¥25.316 billion and that it had secured sufficient liquidity even after taking into account investments in equipment, securities and other assets. - FY2018-Q1MitigatedAnnual report
「We held ¥21.917 billion in cash and deposits during the first quarter accounting period, and believe that we have secured sufficient liquidity even after taking into account future investments in equipment, securities and other assets.」
The company stated that, with ¥21.917 billion in cash and deposits, it had secured sufficient liquidity even after taking into account investments in equipment, securities and other assets. - FY2017RestatedAnnual report
「We fund our business operations mainly through internal funds and borrowings from financial institutions. However, if concerns about our financial condition become widespread, funding costs may rise substantially or it may become difficult to raise funds, potentially constraining our business operations.」
The company reiterates the sources of operating funds and the risk of higher funding costs and difficulty raising funds due to credit concerns. - FY2017-Q3MitigatedAnnual report
「We fund our working capital mainly through borrowings and equity. We held ¥22.655 billion in cash and deposits during the third quarter accounting period, and believe that we have secured sufficient liquidity even after taking into account future investments in equipment, securities and other assets.」
The company stated that borrowings and equity were its main sources of working capital and that, with ¥22.655 billion in cash and deposits, it had secured sufficient liquidity. - FY2017-Q2MitigatedAnnual report
「We fund our working capital mainly through borrowings and equity. We held ¥21.274 billion in cash and deposits during the second quarter accounting period, and believe that we have secured sufficient liquidity even after taking into account future investments in equipment, securities and other assets.」
After identifying the sources of working capital funding, the company stated that it held ¥21.274 billion in cash and deposits and believed it had secured sufficient liquidity. - FY2016First statedAnnual report
「We fund our business operations mainly through internal funds and borrowings from financial institutions. However, if concerns about our financial condition become widespread, funding costs may rise substantially or it may become difficult to raise funds, potentially constraining our business operations.」
The company identifies internal funds and borrowings from financial institutions as sources of funding for business operations.