Kyoto Financial Group (5844) · FactProviding greater specificity to the business impact of the interest-rate environment
Changes in the business environment brought about by the arrival of a “world with interest rates”
First written in FY2025-H1. . Latest entry: FY2026.
3entries
3years
0from disclosures
How it moved
Same theme, other companies
Competition Among Financial Institutions and Declining Earnings Driven by Negative Interest Rates and Changes in the Financial SystemA theme 49 companies write about · 52 as a headwind · 0 as a tailwind
The whole theme swung hardest in 2025: 11 of 21 companies on the "Worse" side.
1 other company's latest entry also says "Other".
Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
Showing 14 of the 49 companies compared. The sentences above are computed from all 49.Full recordFilings, disclosures and news, newest first
- FY2026Providing greater specificity to the business impact of the interest-rate environmentAnnual report
「The environment surrounding us is currently changing as “a world with interest rates” increases the importance of deposits and intensifies competition with other financial institutions to acquire deposits.」
Links “a world with interest rates” to the growing importance of deposits and intensifying competition to acquire them. - FY2025Providing greater specificity to changes in the interest-rate environmentAnnual report
「In addition, as the Bank of Japan raised its policy rate and Japan returned to “a world with interest rates,” the financial environment entered a period of major change.」
Explains “a world with interest rates” as a transformation of the financial environment following an increase in the policy rate. - FY2025-H1First statedAnnual report
「The environment surrounding our Group differs substantially from that when the First Medium-Term Management Plan was formulated, including the arrival of “a world with interest rates.”」
Presents the recognition that the business environment has changed substantially since the First Medium-Term Management Plan was formulated as a premise for the new plan.