Business Risk

We discuss our risk appetite and business planning based on the following key risks, and also strive for a higher level of risk management.

• Increase in credit costs
• Deterioration in unrealized gains/losses on securities portfolio
• Instability of funding
• Outbreak of crises such as cyberattacks and system failures
• Outbreak of large-scale disasters and other crises
• Reduced competitiveness due to changes in the social structure or industrial structure
• Inadequate response to financial crimes, occurrence of internal fraud and information leaks
• Sustainability of human resources

Please refer to page 16 of the Annual Report 2025 (Financial and Corporate Data Section) for details of key risks.