Intensifying competition in Fukuoka Prefecture
First written in FY2017-Q3. 5 of 8 entries say "Worsened", first in FY2017. Latest entry: FY2026.
Nishi-Nippon Financial Holdings moved to the "Worse" side of this theme in 2017, 4 years before the typical company in this theme (2021).
The whole theme swung hardest in 2025: 12 of 24 companies on the "Worse" side.
22 other companies' latest entry also says "Worsened".
- FY2026WorsenedAnnual report
「Changes in the industrial structure associated with the advancement of digitalization • As the use of digital technologies and AI advances, competitiveness declines as the Group falls behind competitors and new market entrants in customer convenience and costs」
In addition to changes in the competitive environment resulting from fintech and other developments, the risk of declining competitiveness due to falling behind competitors and new market entrants in the use of digitalization and AI is explicitly identified as a top risk. - FY2022RestatedAnnual report
「Fukuoka Prefecture, the Group's primary operating base, faces a challenging competitive environment involving local rival banks, megabanks, regional financial institutions from neighboring prefectures, government-affiliated financial institutions and banks entering the market from other industries, including IT companies and distribution and retail businesses. In addition, the emergence of new technologies such as fintech may change the competitive environment.」
The Group continues to describe a competitive environment that includes local financial institutions, megabanks, government-affiliated financial institutions, businesses from other industries and fintech, among others. - FY2021RestatedAnnual report
「Fukuoka Prefecture, the Group's primary operating base, faces a challenging competitive environment involving local rival banks, megabanks, regional financial institutions from neighboring prefectures, government-affiliated financial institutions and banks entering the market from other industries, including IT companies and distribution and retail businesses. In addition, the emergence of new technologies such as fintech may change the competitive environment.」
The Group continues to describe a competitive environment that includes local financial institutions, megabanks, government-affiliated financial institutions, businesses from other industries and fintech, among others. - FY2020WorsenedAnnual report
「Fukuoka Prefecture, the Group's primary operating base, faces a challenging competitive environment involving local rival banks, megabanks, regional financial institutions from neighboring prefectures, government-affiliated financial institutions and banks entering the market from other industries, including IT companies and distribution and retail businesses. In addition, the emergence of new technologies such as fintech may change the competitive environment.」
The scope of the competitive environment has expanded to explicitly include IT companies, businesses from other industries such as distribution and retail, and new technologies such as fintech. - FY2019WorsenedAnnual report
「The challenging environment continues, with competition from other regional banks and "banks with new business models," among others, also intensifying.」
The disclosure explicitly identifies "banks with new business models" as competitors and states that competition continues to intensify. - FY2018WorsenedAnnual report
「The Group continues to operate in a challenging environment, with competition from other regional banks and internet-only banks, among others, intensifying in addition to the prolonged negative interest rate policy and market contraction associated with population decline.」
The wording has progressed from the intensifying competition identified in the previous fiscal year to state that competition with other regional banks and internet-only banks, among others, is becoming even more intense. - FY2017WorsenedAnnual report
「As the earnings environment becomes increasingly challenging due to declining net interest income resulting from the continuation of negative interest rate policies and market contraction caused by population decline, competition with other regional banks and non-bank industries such as internet-only banks is intensifying.」
In addition to the previously challenging competitive environment, the disclosure explicitly identifies deterioration in the earnings environment and intensifying competition resulting from negative interest rates and population decline. - FY2017-Q3First statedAnnual report
「Fukuoka Prefecture, the Group's primary operating base, faces a challenging competitive environment involving local rival banks, megabanks, regional financial institutions from neighboring prefectures, government-affiliated financial institutions and banks entering the market from other industries, including retail.」
The competitive environment includes regional financial institutions, megabanks, government-affiliated financial institutions and entrants from other industries.