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The Gunma Bank (8334) · RiskRestated

Risks of Reputational Damage, Regulatory Changes and Intensifying Competition

First written in FY2016. 18 of 19 entries say "Restated". Latest entry: FY2025-H1.

19entries
9years
0from disclosures
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How it moved
ProgressHeldSoftenedWorseRestatedFY2016 – FY2025-H12016: 320162017: 420172018: 320182019: 220192020: 120202021: 220212022: 120222023: 120232024: 22024
Same theme, other companies
Competition Among Financial Institutions and Declining Earnings Driven by Negative Interest Rates and Changes in the Financial SystemA theme 49 companies write about · 52 as a headwind · 0 as a tailwind

The whole theme swung hardest in 2025: 11 of 21 companies on the "Worse" side.

19 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 49 companies compared. The sentences above are computed from all 49.
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 Bank has disclosed that there have been no new developments or material changes in risks related to reputational damage, regulatory changes and intensifying competition.
  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 Bank has comprehensively disclosed that there have been no new developments or material changes in risks related to reputational damage, regulatory changes and intensifying competition.
  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 Bank has comprehensively disclosed that there have been no new developments or material changes in risks related to reputational damage, regulatory changes and intensifying competition.
  4. 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 risks related to reputational damage, regulatory changes and intensifying competition.
  5. FY2021RestatedAnnual report

    「Financial regulations in Japan have been substantially relaxed, resulting in increasingly intense competition. Consequently, competition with other financial institutions and others may prevent the Bank from achieving its expected revenue, adversely affecting its performance and financial condition.」

    The Bank continues to describe the possibility of intensifying competition accompanying deregulation and revenue falling short of expectations.
  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 Bank has disclosed that there have been no new developments or material changes in risks related to reputational damage, regulatory changes and intensifying competition.
  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 Bank has comprehensively disclosed that there have been no new developments or material changes in risks related to reputational damage, regulatory changes and intensifying competition.
  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 Bank has comprehensively disclosed that there have been no new developments or material changes in risks related to reputational damage, regulatory changes and intensifying competition.
  9. 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 risks related to reputational damage, regulatory changes and intensifying competition.
  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 Bank has comprehensively disclosed that there have been no new developments or material changes in risks related to reputational damage, regulatory changes and intensifying competition.
  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 Bank has comprehensively disclosed that there have been no new developments or material changes in risks related to reputational damage, regulatory changes and intensifying competition.
  12. 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 risks related to reputational damage, regulatory changes and intensifying competition.
  13. 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 risks related to reputational damage, regulatory changes and intensifying competition.
  14. 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 risks related to reputational damage, regulatory changes and intensifying competition.
  15. FY2017RestatedAnnual report

    「Financial regulations in Japan have been substantially relaxed, resulting in increasingly intense competition. Consequently, competition with other financial institutions and others may prevent the Bank from achieving its expected revenue, adversely affecting its performance and financial condition.」

    The Bank continues to disclose the risk of revenue falling short of expectations due to deregulation and intensifying competition.
  16. 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 risks related to reputational damage, regulatory changes and intensifying competition.
  17. 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 risks related to reputational damage, regulatory changes and intensifying competition.
  18. 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 risks related to reputational damage, regulatory changes and intensifying competition.
  19. FY2016First statedAnnual report

    「Financial regulations in Japan have been substantially relaxed, resulting in increasingly intense competition. Consequently, competition with other financial institutions and others may prevent the Bank from achieving its expected revenue, adversely affecting its performance and financial condition.」

    The Bank identifies intensifying competition resulting from deregulation as a factor that could cause revenue to fall short of expectations.
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Risks of Reputational Damage, Regulatory Changes and Intensifying Competition | The Gunma Bank,Ltd. (8334) | Komori