Business Risk

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

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

Please refer to page 15 of the Annual Report 2026 (Financial and Corporate Data Section)  for details of key risks.