• Internal Control System

Internal Control System

Risk Management

At our company, risks arising from daily operations are categorized into “credit risk,” “market risk,” “liquidity risk,” “operational risk,” etc. according to risk factors, and a system is established to appropriately manage them depending on the characteristics of each risk. We are also working to improve a risk management system to enhance corporate value by ensuring sound and stable corporate management.

Specific Initiatives

  • The “Risk Management Office” has been established as a division to supervise various types of risk, monitoring the status of risks on a daily basis, and an appropriate check system, in which the “Internal Audit Office” audits the appropriateness of the risk management status, has been established.
  • We are promoting integrated risk management by quantifying credit and market risks.
  • Through the operation of the ALM Committee and the Operational Risk Management Committee, we have established a system for regularly monitoring various risks such as credit risk, market risk, liquidity risk, operational risk, and system risk.
  • The Internal Control Committee was established to develop, operate, and evaluate internal controls.
  • The Crisis Management Committee was established to prepare for emergency situations and to formulate a business continuity plan (BCP) to respond to business continuity requirements for tanshi companies in the event of a disaster.

Risk Management Structure


BCP (Business Continuity Plan)

Our company has established a backup office in Tokyo in normal times which is to be prepared for serving as a business base at the time of emergency, and has also established an emergency operation system by assigning certain personnel to the Osaka Head Office.

We are also operating our major accounting and settlement systems in the cloud (two data centers, east and west, always redundant). Even if one data center is damaged by a disaster, the system can be quickly switched to the other center to continue operations.

In fact, since March 2020, in order to deal with the risk of COVID-19, we have been operating (triplication) business sites, including backup offices, at all times. We are operating under a strong BCP system that can respond not only to earthquakes, etc. but also to pandemics.


1. Our company strives to ensure thorough compliance under the following “Three principles of compliance.”

(1) Fully recognizing that inadequacies in compliance can shake our company’s management base, thorough compliance shall be regarded as a fundamental management principle.

(2) Promoting a high-level compliance system as a powerful player representing the industry in global financial and capital markets.

(3) Earning high evaluations from shareholders and the market and gaining the trust of society through thorough compliance.

2. In light of the importance of legal compliance and other forms of compliance, we formulate a compliance program every year and conduct compliance training for all employees.