Delays in Structural and Business Model Transformation
First written in FY2021. 1 of 2 entries say "Reframed", first in FY2025. Latest entry: FY2025.
Aozora Bank moved to the "Worse" side of this theme in 2025.
0 other companies' latest entry also says "Reframed".
- FY2025ReframedAnnual report
「Declining competitiveness accompanying changes in social and industrial structures; developing personnel able to use data and information in business operations (DX personnel), and accelerating sustainability initiatives across the Group, both as a business and as a corporate entity.」
The longstanding risk of delays in structural and business model transformation has been organized as a top risk, along with declining competitiveness, a shortage of DX talent and sustainability-related challenges. - FY2021First statedAnnual report
「Declining earnings capacity of the Group due to delays in the structural and business model transformations required in response to the accelerating digitalization of society, commoditization of financial products, intensifying competition in financial services, and the relaxation of regulations governing the scope of banking activities.」
The delay in structural and business model transformation in response to digitalization, product commoditization, intensifying competition and regulatory easing was listed separately as a top risk.