The Challenging Operating Environment Resulting from Declining Birth Rates, Population Aging and Negative Interest Rates
First written in FY2016. 18 of 24 entries say "Restated". Latest entry: FY2026.
The Akita Bank moved to the "Worse" side of this theme in 2022, 2 years after the typical company in this theme (2020).
The whole theme swung hardest in 2020: 11 of 20 companies on the "Worse" side.
5 other companies' latest entry also says "Reframed".
- FY2026ReframedAnnual report
「In addition to the declining and aging population, worsening labor shortages, continued inflation and accelerating digitalization, the business environment surrounding our banking group is undergoing major changes, including the gradual raising of policy interest rates.」
In addition to the existing factors of population decline, population aging and digitalization, labor shortages, rising prices and policy rate increases were explicitly identified as changes in the business environment. - FY2024-Q1RestatedAnnual report
「During the cumulative first quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
It states that there have been no significant changes relating to the challenging operating environment caused by population decline, a declining birthrate and an aging population, digitalization, climate change and other factors. - FY2023ReframedAnnual report
「The operating environment surrounding regional financial institutions is becoming increasingly challenging, with growing uncertainty about the future due to changes in industrial and employment structures resulting from population decline, a declining birthrate and an aging population, as well as the emergence of geopolitical risks and management concerns at overseas financial institutions.」
It adds geopolitical risks and management concerns at overseas financial institutions to the factors contributing to the challenging operating environment, which previously included population decline, a declining birthrate and an aging population, digitalization and climate change. - FY2022ReframedAnnual report
「Akita Prefecture, the Bank's primary base, must address numerous changes, including challenges arising from social structural changes such as population decline, a declining birthrate and an aging population, as well as climate change and the rapid shift to digital technologies.」
It explicitly identifies climate change and the rapid shift to digital technologies, in addition to the previously cited population decline, declining birthrate and aging population and low interest rates, as changes in the operating environment. - FY2022-Q2RestatedAnnual report
「During the cumulative second quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
It states that there have been no significant changes relating to the challenging operating environment caused by the declining birthrate and aging population, low interest rates, advances in digital technology and other factors. - FY2021RestatedAnnual report
「Akita Prefecture, the Bank's operating base, faces structural challenges including population decline, a declining birthrate and an aging population, as well as the resulting contraction of the regional economy. In addition, the spread of COVID-19 has severely restricted social and economic activity, resulting in a significant impact on the region.」
It continues to identify a challenging operating environment characterized by population decline, an aging population, contraction of the regional economy and restrictions on social and economic activity caused by infectious diseases. - FY2021-Q3RestatedAnnual report
「During the cumulative third quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
It states that there have been no significant changes relating to the challenging operating environment caused by the declining birthrate and aging population, low interest rates, advances in digital technology and other factors. - FY2021-Q2RestatedAnnual report
「During the cumulative second quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
It states that there have been no significant changes relating to the challenging operating environment caused by the declining birthrate and aging population, low interest rates, advances in digital technology and other factors. - FY2021-Q1RestatedAnnual report
「During the cumulative first quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
It states that there have been no significant changes relating to the challenging operating environment caused by the declining birthrate and aging population, low interest rates, advances in digital technology and other factors. - FY2020WorsenedAnnual report
「In Akita Prefecture, the Bank's operating base, social structural changes such as the accelerating decline in the working-age population and the aging of business owners are becoming more pronounced. The closure, suspension and dissolution of businesses due to a lack of successors are also becoming more serious, bringing regional issues that must be addressed to the fore.」
It provides details on the challenging operating environment, including population decline, aging business owners, a shortage of successors, the emergence of regional issues and the economic impact of infectious diseases. - FY2020-Q3RestatedAnnual report
「During the cumulative third quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
It states that there have been no significant changes relating to the challenging operating environment caused by the declining birthrate and aging population, low interest rates, advances in digital technology and other factors. - FY2020-Q2RestatedAnnual report
「During the cumulative second quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
It states that there have been no significant changes relating to the challenging operating environment caused by the declining birthrate and aging population, low interest rates, advances in digital technology and other factors. - FY2020-Q1RestatedAnnual report
「During the cumulative first quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
It states that there have been no significant changes relating to the challenging operating environment caused by the declining birthrate and aging population, low interest rates, advances in digital technology and other factors. - FY2019ReframedAnnual report
「Meanwhile, in the banking industry, in addition to the prolonged low-interest-rate environment, companies from other industries continue to enter financial fields such as payment transactions as digital technology advances. The operating environment is becoming increasingly challenging, and the Bank regards transforming its business into a more sustainable earnings structure through business expansion and the reallocation of management resources as a major management challenge that it must overcome.」
It identifies the declining population, declining birthrate and aging population, low interest rates, advances in digital technology and entry by companies from other industries into financial fields as factors contributing to the challenging operating environment. - FY2019-Q3RestatedAnnual report
「During the cumulative third quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
It states that there have been no significant changes relating to the challenging operating environment caused by the declining birthrate, aging population and negative interest rates. - FY2019-Q2RestatedAnnual report
「During the cumulative second quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
It states that there have been no significant changes relating to the challenging operating environment caused by the declining birthrate, aging population and negative interest rates. - FY2019-Q1RestatedAnnual report
「During the cumulative first quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
It states that there have been no significant changes relating to the challenging operating environment caused by the declining birthrate, aging population and negative interest rates. - FY2018-Q3RestatedAnnual report
「During the cumulative third quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
It states that there have been no significant changes relating to risks concerning the operating environment. - FY2018-Q2RestatedAnnual report
「During the cumulative second quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
It states that there have been no significant changes relating to risks concerning the operating environment. - FY2018-Q1RestatedAnnual report
「During the cumulative first quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
It states that there have been no significant changes relating to risks concerning the operating environment. - FY2017RestatedAnnual report
「The business environment surrounding the Bank remains challenging due to the contraction of the regional economy resulting from a decline in the working-age population and other factors, as well as the continued negative interest rate policy.」
It continues to identify the decline in the working-age population, contraction of the regional economy and continuation of the negative interest rate policy as challenging operating conditions. - FY2017-Q3RestatedAnnual report
「During the cumulative third quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
It states that there have been no significant changes relating to the challenging operating environment caused by the declining birthrate, aging population and negative interest rates. - FY2017-Q2RestatedAnnual report
「There have been no material changes to the matters concerning business and other risks described in the annual securities report for the previous fiscal year.」
It states that there have been no significant changes relating to the challenging operating environment caused by the declining birthrate, aging population and negative interest rates. - FY2016First statedAnnual report
「The environment surrounding the Bank is expected to become increasingly challenging due to the declining birthrate and aging population, the introduction of negative interest rates and other factors. The Bank recognizes that it must support local companies and industries more than ever, thereby revitalizing the regional economy and building a stronger management base.」
It identifies the declining birthrate and aging population and negative interest rates as external factors requiring regional support and a stronger management base.