Deregulation and Intensifying Competition Across Business Categories
First written in FY2016. 21 of 22 entries say "Restated". Latest entry: FY2026-H1.
The whole theme swung hardest in 2025: 11 of 21 companies on the "Worse" side.
19 other companies' latest entry also says "Restated".
- FY2026-H1RestatedAnnual report
「During the current interim consolidated accounting period, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
It is stated that there have been no material changes or risk events concerning the risk of deregulation and intensifying cross-sector competition. - FY2025RestatedAnnual report
「Intensifying competition resulting from deregulation of the financial system and other factors」
Deregulation and intensifying cross-sector competition continue to be identified as risks, with differentiation from competitors and improvements in technology and services cited as countermeasures. - FY2025-H1RestatedAnnual report
「During the current interim consolidated accounting period, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
It is stated that there have been no material changes or risk events concerning the risk of deregulation and intensifying cross-sector competition. - FY2023-Q3RestatedAnnual report
「During the first nine months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
It is stated that there have been no material changes or risk events concerning the risk of deregulation and intensifying cross-sector competition. - FY2023-Q2RestatedAnnual report
「During the first six months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
It is stated that there have been no material changes or risk events concerning the risk of deregulation and intensifying cross-sector competition. - FY2023-Q1RestatedAnnual report
「During the first three months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
It is stated that there have been no material changes or risk events concerning the risk of deregulation and intensifying cross-sector competition. - FY2022-Q2RestatedAnnual report
「During the first six months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
It is stated that there have been no material changes or risk events concerning the risk of deregulation and intensifying cross-sector competition. - FY2022-Q1RestatedAnnual report
「During the first three months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
It is stated that there have been no material changes or risk events concerning the risk of deregulation and intensifying cross-sector competition. - FY2021-Q3RestatedAnnual report
「During the first nine months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
It is stated that there have been no material changes or risk events concerning the risk of deregulation and intensifying cross-sector competition. - FY2021-Q2RestatedAnnual report
「During the first six months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
It is stated that there have been no material changes or risk events concerning the risk of deregulation and intensifying cross-sector competition. - FY2021-Q1RestatedAnnual report
「During the first three months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
It is stated that there have been no material changes or risk events concerning the risk of deregulation and intensifying cross-sector competition. - FY2020RestatedAnnual report
「Intensifying competition resulting from deregulation of the financial system and other factors Medium ・May adversely affect operations and performance ・Differentiation from competitors and improvements in technology and services.」
The expansion of the scope of operations and intensifying competition resulting from deregulation and other factors are identified as risks, with differentiation and improvements in technology and services cited as responses. - FY2019RestatedAnnual report
「In addition, as deregulation of the financial system progresses, competition across sectors, including banking, securities, and insurance, is intensifying. If the Bank is unable to achieve a competitive advantage in this competitive business environment, its business, performance, and financial position could be adversely affected.」
The intensification of competition across the banking, securities, and insurance sectors and the risk of being unable to achieve a competitive advantage continue to be addressed. - FY2019-Q1RestatedAnnual report
「During the first three months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
It is stated in aggregate that there have been no material changes or risk events concerning the risk of deregulation and intensifying cross-sector competition. - FY2018RestatedAnnual report
「Chiba Prefecture, the Bank's core market, is a promising market in the Tokyo metropolitan area, and other financial institutions are also actively expanding their business there. In addition, as deregulation of the financial system progresses, competition across sectors, including banking, securities, and insurance, is intensifying.」
Intensifying competition within Chiba Prefecture and across the banking, securities, and insurance sectors continues to be identified as a risk. - FY2018-Q3RestatedAnnual report
「During the first nine months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
It is stated that there have been no material changes or risk events concerning the risk of deregulation and intensifying cross-sector competition. - FY2018-Q2RestatedAnnual report
「During the first six months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
It is stated that there have been no material changes or risk events concerning the risk of deregulation and intensifying cross-sector competition. - FY2018-Q1RestatedAnnual report
「During the first three months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
It is stated that there have been no material changes or risk events concerning the risk of deregulation and intensifying cross-sector competition. - FY2017RestatedAnnual report
「Chiba Prefecture, the Bank's core market, is a promising market in the Tokyo metropolitan area, and other financial institutions are also actively expanding their business there. In addition, as deregulation of the financial system progresses, competition across sectors, including banking, securities, and insurance, is intensifying.」
Intensifying competition within Chiba Prefecture and across sectors continues to be identified as a risk. - FY2017-Q3RestatedAnnual report
「During the first nine months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
It is stated that there have been no material changes or risk events concerning the risk of deregulation and intensifying cross-sector competition. - FY2017-Q2RestatedAnnual report
「During the first six months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
It is stated that there have been no material changes or risk events concerning the risk of deregulation and intensifying cross-sector competition. - FY2016First statedAnnual report
「As deregulation of the financial system progresses, competition across sectors, including banking, securities, and insurance, is intensifying. If the Bank is unable to achieve a competitive advantage in this competitive business environment, its business, performance, and financial position could be adversely affected.」
The risk that the expansion of the scope of operations may not progress as expected, as well as the risk of deteriorating profitability, is also noted.