Risk that the Medium-Term Management Plan Will Not Deliver
First written in FY2016. 19 of 24 entries say "Restated". Latest entry: FY2025.
The Gunma Bank moved to the "Worse" side of this theme in 2025, 2 years after the typical company in this theme (2023).
The whole theme swung hardest in 2026: 9 of 10 companies on the "Worse" side.
10 other companies' latest entry also says "Reframed".
- FY2025ReframedAnnual report
「Our bank is implementing various initiatives under the “2025 Medium-Term Management Plan: Growth with“Purpose” — Toward Sustainable Growth for the Region and the Gunma Bank Group,” covering the 3-year period from April 2025 to March 2028.」
The disclosure concerning the risk that the management strategy may not deliver results was updated from the previous plan to reflect the “Growth with “Purpose”” plan. - 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 bank has disclosed that there have been no new developments or material changes in the risk that the medium-term management plan will not deliver results. - 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 bank has comprehensively disclosed that there have been no new developments or material changes in the risk that the medium-term management plan will not deliver results. - 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 bank has comprehensively disclosed that there have been no new developments or material changes in the risk that the medium-term management plan will not deliver results. - FY2023RestatedAnnual report
「Our bank is implementing various initiatives under the “2022 Medium-Term Management Plan: Innovation for“Purpose”,” covering the 3-year period from April 2022 to March 2025. However, the bank may be unable to achieve its target profit and other goals because of unexpected expenses for the disposal of non-performing loans resulting from a general deterioration in economic conditions, deterioration in the regional economy, or deterioration in customers' business conditions, which could consequently adversely affect business performance and other aspects of our operations.」
The bank continues to disclose the risk that the management strategy may not deliver results, based on the 2022 medium-term management plan. - FY2022ReframedAnnual report
「Our bank launched the “2022 Medium-Term Management Plan: Innovation for“Purpose”,” covering the 3-year period from April 2022 to March 2025, and is implementing various initiatives. However, the bank may be unable to achieve its target profit and other goals because of unexpected expenses for the disposal of non-performing loans resulting from a general deterioration in economic conditions, deterioration in the regional economy, or deterioration in customers' business conditions, which could consequently adversely affect business performance and other aspects of our operations.」
The assumptions underlying the risk of failing to achieve the management strategy were updated from the 2019 plan to the 2022 plan, “Innovation for“Purpose”.” - 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 bank continues to disclose that there have been no new developments or material changes in the risk that the medium-term management plan will not deliver results. - FY2021RestatedAnnual report
「Our bank is advancing the “2019 Medium-Term Management Plan: Innovation 新次元 — Toward Value Realization,” covering the 3-year period from April 2019 to March 2022, and is implementing various initiatives. However, the bank may be unable to achieve its target profit and other goals because of unexpected expenses for the disposal of non-performing loans resulting from a general deterioration in economic conditions, deterioration in the local economy, or deterioration in customers' business conditions, which could consequently adversely affect business performance and other aspects of its operations.」
The bank continues to describe the advancement of the new plan and the risk of failing to achieve target profit because of deteriorating economic and customer conditions. - 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 bank has disclosed that there have been no new developments or material changes in the risk that the medium-term management plan will not deliver results. - 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 bank has comprehensively disclosed that there have been no new developments or material changes in the risk that the medium-term management plan will not deliver results. - FY2020WorsenedAnnual report
「The impact of the spread of infectious diseases has extended across the regional economy, including Gunma Prefecture, affecting not only tourism, food service and other service industries but also a broad range of sectors such as construction and manufacturing. Depending on when the outbreak subsides, the business conditions of borrowers may change, potentially resulting in unexpected non-performing loans and adversely affecting business performance and other aspects of the bank's operations.」
The risk of failing to achieve the medium-term management plan's targets was newly specified in terms of the impact of infectious diseases on the regional economy and borrowers, as well as the possibility of non-performing loans arising. - 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 bank has comprehensively disclosed that there have been no new developments or material changes in the risk that the medium-term management plan will not deliver results. - FY2019ReframedAnnual report
「Our bank launched the “2019 Medium-Term Management Plan: Innovation 新次元 — Toward Value Realization,” covering the 3-year period from April 2019 to March 2022. The plan defines the group's vision as “a regional financial group that meets customer needs and realizes value through innovation in financial services,” and sets out 2 basic policies: “transforming the management platform through 3 reforms” and “advanced value realization through the evolution of the business model,” under which various initiatives are being implemented.」
The medium-term management plan transitioned from the 2016 plan to the 2019 plan, and the assumptions underlying the risk that the management strategy will not deliver results were updated to reflect the new plan and its new basic policies. - FY2019-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 bank has comprehensively disclosed that there have been no new developments or material changes in the risk that the medium-term management plan will not deliver results. - 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 bank has comprehensively disclosed that there have been no new developments or material changes in the risk that the medium-term management plan will not deliver results. - 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 bank has comprehensively disclosed that there have been no new developments or material changes in the risk that the medium-term management plan will not deliver results. - 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 bank has comprehensively disclosed that there have been no new developments or material changes in the risk that the medium-term management plan will not deliver results. - 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 bank has comprehensively disclosed that there have been no new developments or material changes in the risk that the medium-term management plan will not deliver results. - 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 bank has comprehensively disclosed that there have been no new developments or material changes in the risk that the medium-term management plan will not deliver results. - FY2017RestatedAnnual report
「However, the bank may be unable to achieve its target profit and other goals because of unexpected expenses for the disposal of non-performing loans resulting from a general deterioration in economic conditions, deterioration in the local economy, or deterioration in customers' business conditions.」
The bank continues to disclose the possibility that the medium-term management plan's target profit may not be achieved because of economic conditions, customers and the credit environment. - 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 bank has comprehensively disclosed that there have been no new developments or material changes in the risk that the medium-term management plan will not deliver results. - 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 bank has comprehensively disclosed that there have been no new developments or material changes in the risk that the medium-term management plan will not deliver results. - 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 bank has comprehensively disclosed that there have been no new developments or material changes in the risk that the medium-term management plan will not deliver results. - FY2016First statedAnnual report
「However, the bank may be unable to achieve its target profit and other goals because of unexpected expenses for the disposal of non-performing loans resulting from a general deterioration in economic conditions, deterioration in the local economy, or deterioration in customers' business conditions.」
The possibility of failing to achieve the target profit under the 2016 medium-term management plan is linked to economic conditions, customers and the credit environment.