Intensifying Competition Among Financial Institutions Across Prefectural Borders
First written in FY2016. 13 of 14 entries say "Restated". Latest entry: FY2026.
The whole theme swung hardest in 2025: 11 of 21 companies on the "Worse" side.
19 other companies' latest entry also says "Restated".
- FY2026RestatedAnnual report
「As the environment surrounding the financial industry becomes more challenging, competition among financial institutions across prefectural borders is intensifying.」
Intensifying competition with Japan Post Bank, megabanks and other regional financial institutions continues to be indicated. - FY2024-Q2RestatedAnnual report
「During the cumulative second-quarter consolidated period, there were no significant changes in the matters described in the quarterly report concerning business conditions and financial information that could materially affect investors’ decisions, or in the business risks described in the securities report for the previous fiscal year.」
No material changes were reported regarding the risk of intensifying competition among financial institutions across prefectural borders. - FY2024-Q1RestatedAnnual report
「During the first quarter of the current consolidated fiscal year, there were no material changes or other significant developments in the financial position or results of operations. There were also no material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes were reported regarding the risk of intensifying competition among financial institutions across prefectural borders. - FY2023-Q1RestatedAnnual report
「During the first quarter of the current consolidated fiscal year, there were no material changes or other significant developments in the financial position or results of operations. There were also no material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes were reported regarding the risk of intensifying competition among financial institutions across prefectural borders. - FY2022-Q1RestatedAnnual report
「During the first quarter of the current consolidated fiscal year, there were no unusual changes or other abnormal developments in the financial position or results of operations. There were also no material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes were reported regarding the risk of intensifying competition among financial institutions across prefectural borders. - FY2021-Q1RestatedAnnual report
「There were no material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes were reported regarding the risk of intensifying competition among financial institutions across prefectural borders. - FY2020-Q3RestatedAnnual report
「During the third quarter of the current consolidated fiscal year, there were no unusual changes or other abnormal developments in the financial position or results of operations. There were also no material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes were reported regarding the risk of intensifying competition among financial institutions across prefectural borders. - FY2020-Q1RestatedAnnual report
「During the first quarter of the current consolidated fiscal year, there were no unusual changes or other abnormal developments in the financial position or results of operations. There were also no material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes were reported regarding the risk of intensifying competition among financial institutions across prefectural borders. - FY2019RestatedAnnual report
「In addition to competition with Japan Post Bank and other regional financial institutions, the operating environment for financial institutions is becoming increasingly challenging due to lower investment yields accompanying the continuation of the negative interest rate policy and greater uncertainty in the market investment environment amid rising geopolitical risks, including US-China trade friction.」
The challenging operating environment for the financial industry, including intensifying competition across prefectural borders, continues to be indicated. - FY2019-Q1RestatedAnnual report
「During the first quarter of the current consolidated fiscal year, there were no unusual changes or other abnormal developments in the financial position or results of operations. There were also no material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes were reported regarding the risk of intensifying competition among financial institutions across prefectural borders. - FY2017RestatedAnnual report
「As the environment surrounding the financial industry becomes more challenging, competition among financial institutions across prefectural borders is intensifying.」
Intensifying competition with Japan Post Bank, megabanks and other regional financial institutions continues to be disclosed. - FY2017-Q2RestatedAnnual report
「During the cumulative second-quarter consolidated period, there were no significant changes in the matters described in the quarterly report concerning business conditions and financial information that could materially affect investors’ decisions, or in the business risks described in the securities report for the previous fiscal year.」
No material changes are reported regarding the risk of intensifying competition among financial institutions across prefectural borders. - FY2017-Q1RestatedAnnual report
「During the first quarter of the current consolidated fiscal year, there were no unusual changes or other abnormal developments in the financial position or results of operations. There were also no material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes are reported regarding the risk of intensifying competition among financial institutions across prefectural borders. - FY2016First statedAnnual report
「As the environment surrounding the financial industry becomes more challenging, competition among financial institutions across prefectural borders is intensifying. In Kumamoto, Kagoshima and Miyazaki prefectures, our group's operating base, the business environment is becoming increasingly severe amid competition with Japan Post Bank, megabanks and other regional financial institutions.」
Competition with Japan Post Bank, megabanks and other regional financial institutions is identified as a risk underlying the strategy of expanding the operating area.