Intensifying competition with regional financial institutions, megabanks and non-banks
First written in FY2023-Q1. 3 of 5 entries say "Restated". Latest entry: FY2026.
Procrea Holdings moved to the "Worse" side of this theme in 2026, 2 years 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
「The entry of other companies and banks and the provision of digital services have reduced its relative competitive advantage.」
In addition to the traditional competition among financial institutions, entry from other industries and the provision of digital services were explicitly identified as competitive factors and selected as top risks. - FY2023RestatedAnnual report
「In Aomori Prefecture, the Group's principal operating base, it competes with regional financial institutions, megabanks, non-bank financial institutions and others. In addition, the competitive environment is becoming more intense as a result of deregulation.」
Competition among financial institutions in Aomori Prefecture and intensifying competition resulting from deregulation continue. - FY2023-Q3RestatedAnnual report
「In Aomori Prefecture, the Group's principal operating base, it competes with regional financial institutions, megabanks, non-bank financial institutions and others. In addition, the competitive environment is becoming more intense as a result of deregulation.」
The risks arising from competition among financial institutions in Aomori Prefecture and from a more intense competitive environment resulting from deregulation continue. - FY2023-Q2RestatedAnnual report
「In Aomori Prefecture, the Group's principal operating base, it competes with regional financial institutions, megabanks, non-bank financial institutions and others. In addition, the competitive environment is becoming more intense as a result of deregulation.」
The risks arising from competition among financial institutions in Aomori Prefecture and from a more intense competitive environment resulting from deregulation continue. - FY2023-Q1First statedAnnual report
「In Aomori Prefecture, the Group's principal operating base, it competes with regional financial institutions, megabanks, non-bank financial institutions and others.」
Intensifying competition in Aomori Prefecture, the Group's operating base, is identified as a risk that could lead to higher funding costs and lower investment yields.