Investor Relations

Risk Management

In order to realize our Group Vision, we appropriately manage the diverse risks involved in business development.

Approach to Risk Management

In our view, the objective of Risk Management is to ensure the Company’s survival and improve corporate value for stakeholders.
Taking on some degree of risk is necessary in our business, but the materialization of such risks could not only result in losses on our financial statements. It could also require compensation and reparations, and the public’s loss of trust in the Company could have a major impact on subsequent corporate management. We practice Risk Management by controlling risk-taking while also considering our risk tolerance, and thus enhance our relationship of trust with stakeholders.

Risk Management system

The Company works to assure the persistence and efficiency of business by appropriately managing each risk characteristic of management.
With the Risk Management rules, risks are assumed and classified, and risks caused by unforeseen events are avoided and minimized. A Risk Management Section, with the President working as the Chairman, has been established, and this section implements countermeasure against risks, builds the Risk Management system, supervises the implementation status of measures, performs consultations, etc. Also, the Integrated Risk Management Group ascertains and manages risks on a consolidated level. Furthermore, various types of risks, such as credit risks and interest rate risks, are quantitatively measured using a unified scale, and the level of each measured risk is compared to the Company’s capital and are then controlled.

Business continuity plan (BCP)

The Company has established a business continuity plan (BCP) in which the basic policy is set out.
In the event of a major earthquake or other disaster, we will perform the necessary tasks for business continuity and speedy restoration in accordance with purpose-specific plan of action.