Risk Factors

Regarding risks related to the business and other aspects of our group, matters recognized by management as having the potential to significantly impact the consolidated financial position, business performance, and cash flow of our consolidated subsidiaries, as well as matters that may not necessarily constitute such risks but are considered important for investors' investment decisions, are disclosed in the annual report from the perspective of proactive information disclosure to investors.

For details, please refer to the "Risk Factors " section in the Integrated Report Financial Section.

Under the Basic Policy on Risk Control, which is determined by the Bank’s Board of Directors, the Bank has established Bank-wide risk management policies, management policies for specific risks, and a risk management organization and structure as a framework to appropriately recognize and manage various types of risks in its operations. In addition, for appropriate risk management, the Bank has established a Risk Management Committee and an Asset-Liability Management (ALM) Committee as advisory bodies to the Executive Committee with respect to risks; the Risk Management Division, which is responsible for supervising overall Bank-wide risk management activities; and risk management divisions for managing specific types of risk.

For details, please refer to the Risk Management Initiatives page.