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The Gunma Bank (8334) · RiskRestated

Risks of Population Decline, Population Aging and Regional Economic Stagnation

First written in FY2016. 17 of 20 entries say "Restated". Latest entry: FY2025-H1.

20entries
9years
0from disclosures
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How it moved
ProgressHeldSoftenedWorseRestatedFY2016 – FY2018-Q3RestatedFY2020-Q2 – FY2025-H12016: 320162017: 420172018: 420182019: 220192020: 120202021: 120212022: 120222023: 220232024: 22024
Same theme, other companies

The whole theme swung hardest in 2018: 6 of 12 companies on the "Worse" side.

9 other companies' latest entry also says "Restated".

Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
Showing 14 of the 21 companies compared. The sentences above are computed from all 21.
Full recordFilings, disclosures and news, newest first
  1. FY2025-H1RestatedAnnual report

    「No new business or other risks arose during the interim consolidated accounting period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」

    The company has disclosed that there have been no new occurrences or material changes regarding the risks of population decline, aging, and stagnation in the regional economy.
  2. FY2024-Q3RestatedAnnual report

    「There were no newly arising business or other risks during the third quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」

    The company comprehensively disclosed that there had been no newly arising risks or material changes relating to the risks of population decline, population aging and stagnation in the regional economy.
  3. FY2024-Q1RestatedAnnual report

    「There were no newly arising business or other risks during the first quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」

    The company comprehensively disclosed that there had been no newly arising risks or material changes relating to the risks of population decline, population aging and stagnation in the regional economy.
  4. FY2023RestatedAnnual report

    「Looking at conditions in the region, it faces a range of social issues, including population decline, the declining birthrate and aging population, the emergence of geopolitical risks, and the need to respond to decarbonization.」

    The region continues to recognize population decline and the declining birthrate and aging population as ongoing social challenges.
  5. FY2022-Q3RestatedAnnual report

    「There were no newly arising business or other risks during the third quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」

    The company continues to disclose that there have been no new occurrences or material changes regarding the risks of population decline, aging, and stagnation in the regional economy.
  6. FY2021-Q3RestatedAnnual report

    「There were no newly arising business or other risks during the third quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」

    The company has disclosed that there have been no new occurrences or material changes regarding the risks of population decline, aging, and stagnation in the regional economy.
  7. FY2021-Q1RestatedAnnual report

    「There were no newly arising business or other risks during the first quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」

    The company comprehensively disclosed that there had been no newly arising risks or material changes relating to the risks of population decline, population aging and stagnation in the regional economy.
  8. FY2020-Q2RestatedAnnual report

    「There were no newly arising business or other risks during the second quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」

    The company comprehensively disclosed that there had been no newly arising risks or material changes relating to the risks of population decline, population aging and stagnation in the regional economy.
  9. FY2019WorsenedAnnual report

    「Looking at customer needs, as aging and population decline progress, major challenges for business customers include improving productivity through business succession and the use of digital technologies. For individual customers, interest in asset succession and inheritance-related matters is increasing as the senior population grows, and the role regional financial institutions must play in addressing these challenges is becoming increasingly significant.」

    The challenges associated with population decline and aging were defined specifically as business succession, productivity improvement, and asset succession and inheritance-related needs.
  10. FY2019-Q2RestatedAnnual report

    「There were no newly arising business or other risks during the second quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」

    The company comprehensively disclosed that there had been no newly arising risks or material changes relating to the risks of population decline, population aging and stagnation in the regional economy.
  11. FY2019-Q1RestatedAnnual report

    「There were no newly arising business or other risks during the first quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」

    The company comprehensively disclosed that there had been no newly arising risks or material changes relating to the risks of population decline, population aging and stagnation in the regional economy.
  12. FY2018WorsenedAnnual report

    「Looking at the regional economy, difficulty finding successors and labor shortages have become major challenges to the growth of regional companies. There is substantial latent demand for business succession, M&A, the dispatch of specialized personnel and improvements in operational efficiency through systemization, and expectations for regional financial institutions to contribute to regional revitalization are rising.」

    In addition to population decline and aging, the challenges facing regional companies were defined specifically as difficulties in finding successors and labor shortages.
  13. FY2018-Q3RestatedAnnual report

    「There were no newly arising business or other risks during the third quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」

    The company comprehensively disclosed that there had been no newly arising risks or material changes relating to the risks of population decline, population aging and stagnation in the regional economy.
  14. FY2018-Q2RestatedAnnual report

    「There were no newly arising business or other risks during the second quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」

    The company comprehensively disclosed that there had been no newly arising risks or material changes relating to the risks of population decline, population aging and stagnation in the regional economy.
  15. FY2018-Q1RestatedAnnual report

    「There were no newly arising business or other risks during the first quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」

    The company comprehensively disclosed that there had been no newly arising risks or material changes relating to the risks of population decline, population aging and stagnation in the regional economy.
  16. FY2017RestatedAnnual report

    「As the region faces challenges including population decline and advancing population aging, expectations for the role of regional financial institutions in revitalizing local communities are rising further.」

    The company continued to recognize population decline and population aging as challenges facing the region.
  17. FY2017-Q3RestatedAnnual report

    「There were no newly arising business or other risks during the third quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」

    The company comprehensively disclosed that there had been no newly arising risks or material changes relating to the risks of population decline, population aging and stagnation in the regional economy.
  18. FY2017-Q2RestatedAnnual report

    「There were no newly arising business or other risks during the second quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」

    The company comprehensively disclosed that there had been no newly arising risks or material changes relating to the risks of population decline, population aging and stagnation in the regional economy.
  19. FY2017-Q1RestatedAnnual report

    「There were no newly arising business or other risks during the first quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」

    The company comprehensively disclosed that there had been no newly arising risks or material changes relating to the risks of population decline, population aging and stagnation in the regional economy.
  20. FY2016First statedAnnual report

    「As the region faces challenges including population decline and advancing population aging, expectations for the role of regional financial institutions in revitalizing local communities are rising further.」

    The company recognized demographic changes in the region as a challenge and linked the role of financial institutions to regional revitalization.
Moved together

"Risk of Decline in Capital Adequacy Ratio" moved the same way as this thread, in the same document, in 2 of its 20 moves.

22★12
  1. ★This thread
  2. 1Risk of Decline in Capital Adequacy Ratio2×
  3. 2Risk of net interest margin compression due to negative interest rates2×

★ is this thread; numbers match the list above. The number on a line is how many documents both moved the same way in; lines between the other threads count the documents they moved together in too. Threads that move together often sit closer.

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Risks of Population Decline, Population Aging and Regional Economic Stagnation | The Gunma Bank,Ltd. (8334) | Komori