Risk of a shrinking operating base due to population and corporate declines
First written in FY2024. 1 of 2 entries say "Worsened", first in 2026-05-13. Latest entry: 2026-05-13.
Aichi Financial Group moved to the "Worse" side of this theme in 2026, 5 years after the typical company in this theme (2021).
The whole theme swung hardest in 2018: 6 of 12 companies on the "Worse" side.
7 other companies' latest entry also says "Worsened".
- 2026-05-13WorsenedM&A and Subsidiary Changes
「Meanwhile, the business environment surrounding regional financial institutions is changing significantly due to the effects of population decline and the advancing decline in the birthrate and aging of the population on economic activity and the labor market, as well as the transition to a “world with interest rates” and intensifying competition, including competition from other industries, resulting from advances in IT and digital technologies. More agile responses to these changes are required than ever before.」
The description of changes affecting the operating base was expanded to explicitly include the declining birthrate and aging population, as well as their effects on economic activity and the labor market, in addition to population decline. - FY2024First statedAnnual report
「Amid changes in the social environment surrounding the financial industry, including declines in population and the number of businesses, customer needs are becoming more sophisticated and diverse owing to the management challenges faced by business customers and changes in the lifestyles of individual customers.」
The group newly identified population and business declines as changes in the social environment surrounding the financial industry.