Types of Risk |
Examples |
Buisiness environment and business strategy risk |
Economic fluctuations, legal and regulatory matters, demographic changes, technological innovation, investor trends, public opinion, and failed business choices |
Accidents and disaster risk |
Major earthquakes, typhoons, tsunami, epidemics, terrorism, failure/stoppage of social infrastructure, fires, and accidents |
System risk |
Inadequate hardware capacity and application errors |
Legal risk |
Violations of laws and regulations in the course of business, business partner's failure to perform on contracts, and the possibilities of having a relationship with anti‑social forces |
Financial risk |
Undermined reliability of financial reporting, lack of funds, and loss or damage to assets, including deposits |
Human risk |
Personnel shortage, industrial accidents, and occupational hazards |
Information security risk |
Information leakage, unauthorized access, and computer viruses |
Operational risk |
Mistakes in operational procedures and misjudgments |
Risk of associated companies |
Emergence of risk in group companies |
Reputational risk |
Decline in public reputation due to acts and statements by employees and/or third parties |
Credit risk and liquidity risk arising from obligation assumption business |
Emergence of losses due to default, etc. by clearing participants |
Other risks |
Risks other than those mentioned above |