Intensifying Competition with Financial Institutions and Companies from Other Industries
First written in FY2022-Q3. 2 of 5 entries say "Restated". Latest entry: FY2026.
CCI Group moved to the "Worse" side of this theme in 2025, 1 year after the typical company in this theme (2024).
The whole theme swung hardest in 2025: 11 of 21 companies on the "Worse" side.
17 other companies' latest entry also says "Worsened".
- FY2026WorsenedAnnual report
「In addition, the rapid acceleration of generative AI and fintech technologies, the entry of companies in other industries into financial services, and the emergence of fintech companies have made the competitive environment for regional banks even more challenging.」
The Group continues to describe the challenging competitive environment resulting from the emergence of generative AI and fintech companies, as identified in the previous fiscal year. - FY2025WorsenedAnnual report
「In addition, the rapid acceleration of generative AI and fintech technologies, the entry of companies in other industries into financial services, and the emergence of fintech companies have made the competitive environment for regional banks even more challenging.」
In addition to intensifying competition from conventional financial institutions and companies in other industries, the Group identified generative AI and the emergence of fintech companies as factors worsening the competitive environment. - FY2024RestatedAnnual report
「In addition, competition from companies in other industries that provide financial services has intensified, and the Group is facing unprecedentedly rapid change.」
The Group has reaffirmed intensifying competition from companies in other industries, as well as financial institutions, as a risk in its operating environment. - FY2023RestatedAnnual report
「In recent years, financial regulations have been substantially relaxed, and competition has intensified further.」
The Group continues to identify intensifying competition from financial institutions and others, as well as companies in other industries, as a risk in its operating environment. - FY2022-Q3First statedAnnual report
「In recent years, financial regulations have been substantially relaxed, and competition has intensified further. As a result, if the Group is unable to maintain a competitive advantage over other financial institutions and others, this could adversely affect the Group’s operating performance and financial condition.」
The Group identifies intensifying competition from other financial institutions and others following the relaxation of financial regulations as a risk if it is unable to maintain a competitive advantage.