Intensifying Competition with Financial Institutions and New-Entrant Risk
First written in FY2016. 2 of 3 entries say "Worsened", first in FY2019. Latest entry: FY2026.
Japan Post Bank moved to the "Worse" side of this theme in 2019, 5 years before the typical company in this theme (2024).
The whole theme swung hardest in 2025: 11 of 22 companies on the "Worse" side.
18 other companies' latest entry also says "Worsened".
- FY2026WorsenedAnnual report
「In addition, technological advances have led to the entry of new providers of financial services from other industries and to increasingly diverse customer needs.」
Regarding competition risk, the disclosure provides details on customer attrition and the obsolescence of existing services resulting from entry by companies from other industries, increasingly diverse customer needs and insufficient responses to new technologies, including AI. - FY2019WorsenedAnnual report
「In addition, technological advances have led to the entry of new providers of financial services from other industries and to increasingly diverse customer needs.」
In addition to competition among traditional financial institutions, the disclosure explicitly identifies entry into financial services from other industries and increasingly diverse customer needs as competitive factors. - FY2016First statedAnnual report
「If the Bank fails to gain an advantage over other financial institutions with which it competes, cannot respond to changes in the market structure, or faces deregulation and new market entry progressing beyond expectations, this may affect its performance and financial condition.」
The disclosure describes retail banking competition with megabanks, regional banks and other financial institutions.