Deterioration in Funding and Cash Flow Due to Worsening Market Conditions and Declining Creditworthiness
First written in FY2016. 3 of 5 entries say "Restated". Latest entry: FY2026.
FIDEA Holdings moved to the "Worse" side of this theme in 2026, 1 year after the typical company in this theme (2025).
The whole theme swung hardest in 2025: 12 of 50 companies on the "Worse" side.
16 other companies' latest entry also says "Worsened".
- FY2026WorsenedAnnual report
「Higher cash management and liquidity risk due to an unstable deposit base amid competition to attract deposits and other factors.」
Regarding liquidity risk, competition to attract deposits and the resulting instability of the deposit base, driven by population decline and intensifying competition, are explicitly identified as top risks in addition to changes in market conditions and creditworthiness. - FY2019RestatedAnnual report
「If market conditions change significantly, the performance of the group deteriorates, or its external creditworthiness declines, funding costs may increase and cash management may deteriorate, potentially adversely affecting the group's performance and financial condition.」
Liquidity risk arising from changes in market conditions, performance and creditworthiness is reiterated. - FY2018RestatedAnnual report
「If market conditions change significantly, the performance of the group deteriorates, or its external creditworthiness declines, funding costs may increase and cash management may deteriorate, potentially adversely affecting the group's performance and financial condition.」
Funding and liquidity risks arising from changes in market conditions, performance and creditworthiness are reiterated. - FY2017RestatedAnnual report
「If market conditions change significantly, the performance of the group deteriorates, or its external creditworthiness declines, funding costs may increase and cash management may deteriorate, potentially adversely affecting the group's performance and financial condition.」
Liquidity risk arising from changes in market conditions, performance and creditworthiness is reiterated. - FY2016First statedAnnual report
「If market conditions change significantly, the performance of the group deteriorates, or its external creditworthiness declines, funding costs may increase and cash management may deteriorate, potentially adversely affecting the group's performance and financial condition.」
Changes in external markets, performance and creditworthiness are identified as factors contributing to liquidity risk.