Komori
The Yamagata Bank (8344) · RiskRestated

Intensifying competition as regional-bank consolidation accelerates

First written in FY2016. 10 of 12 entries say "Restated". Latest entry: FY2023-Q1.

12entries
7years
0from disclosures
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How it moved
ProgressHeldSoftenedWorseRestatedFY2016 – FY2017-Q2RestatedFY2018-Q1 – FY2023-Q12016: 320162017: 320172018: 120182019: 120192020: 120202021: 220212022: 12022
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. FY2023-Q1RestatedAnnual report

    「During the first quarter of the current fiscal year, there were no material changes to, or newly arising risks among, the business and other risks that could materially affect investors’ decisions, compared with the descriptions in the annual securities report for the previous fiscal year.」

    The company reconfirms that there have been no material changes or newly arising risks since the previous fiscal year concerning the business and other risks, including regional bank consolidation and intensifying competition.
  2. FY2022-Q1RestatedAnnual report

    「During the first quarter of the current fiscal year, there were no material changes to, or newly arising risks among, the business and other risks that could materially affect investors’ decisions, compared with the descriptions in the annual securities report for the previous fiscal year.」

    The company states that there have been no material changes or newly arising risks since the previous fiscal year concerning the business and other risks, including regional bank consolidation and intensifying competition.
  3. FY2021-Q3RestatedAnnual report

    「During the cumulative third quarter of the current fiscal year, there were no material changes to, or newly arising risks among, the business and other risks that could materially affect investors’ decisions, compared with the descriptions in the annual securities report for the previous fiscal year.」

    The company states that there have been no material changes or newly arising risks since the previous fiscal year concerning the business and other risks, including regional bank consolidation and intensifying competition.
  4. FY2020-Q3RestatedAnnual report

    「During the cumulative third quarter of the current fiscal year, there were no material changes to, or newly arising risks among, the business and other risks that could materially affect investors’ decisions, compared with the descriptions in the annual securities report for the previous fiscal year.」

    The company states that there have been no material changes or newly arising risks since the previous fiscal year concerning the business and other risks, including regional bank consolidation and intensifying competition.
  5. FY2019-Q3RestatedAnnual report

    「During the cumulative third quarter of the current fiscal year, there were no material changes to, or newly arising risks among, the business and other risks that could materially affect investors’ decisions, compared with the descriptions in the annual securities report for the previous fiscal year.」

    The company states that there have been no material changes or newly arising risks since the previous fiscal year concerning the business and other risks, including regional bank consolidation and intensifying competition.
  6. FY2019-Q1RestatedAnnual report

    「During the first quarter of the current fiscal year, there were no material changes to, or newly arising risks among, the business and other risks that could materially affect investors’ decisions, compared with the descriptions in the annual securities report for the previous fiscal year.」

    The company states that there have been no material changes or newly arising risks since the previous fiscal year concerning the business and other risks, including regional bank consolidation and intensifying competition.
  7. FY2018-Q2RestatedAnnual report

    「During the cumulative second quarter of the current fiscal year, there were no newly arising matters that could materially affect investors’ decisions among the matters concerning the business and financial conditions described in this quarterly report, nor any material changes to the “Business and Other Risks” described in the annual securities report for the previous fiscal year.」

    The company states that there have been no material changes or newly arising risks concerning the business and other risks, including regional bank consolidation and intensifying competition.
  8. FY2018-Q1RestatedAnnual report

    「During the first quarter of the current fiscal year, there were no material changes to, or newly arising risks among, the business and other risks that could materially affect investors’ decisions, compared with the descriptions in the annual securities report for the previous fiscal year.」

    The company states that there have been no material changes or newly arising risks concerning the business and other risks, including regional bank consolidation and intensifying competition.
  9. FY2017WorsenedAnnual report

    「As strategic consolidation aimed at the future progresses, including accelerating management integration among leading regional banks not only across wider areas but also within the same prefecture, competition is expected to become even more intense.」

    The scope of regional bank consolidation now extends beyond wider-area combinations to combinations within the same prefecture, and the outlook for intensifying competition has been strengthened to “even more intense.”
  10. FY2017-Q2RestatedAnnual report

    「During the cumulative second quarter of the current fiscal year, there were no newly arising matters that could materially affect investors’ decisions among the matters concerning the business and financial conditions described in this quarterly report, nor any material changes to the “Business and Other Risks” described in the annual securities report for the previous fiscal year.」

    The company states that there have been no material changes or newly arising risks concerning the business and other risks, including regional bank consolidation and intensifying competition.
  11. FY2017-Q1RestatedAnnual report

    「During the first quarter of the current fiscal year, there were no material changes to, or newly arising risks among, the business and other risks that could materially affect investors’ decisions, compared with the descriptions in the annual securities report for the previous fiscal year.」

    The company states that there have been no material changes or newly arising risks in its risk disclosures, including risks related to regional bank consolidation and the competitive environment.
  12. FY2016First statedAnnual report

    「Among regional financial institutions, management integrations between leading regional banks are accelerating and strategic consolidation aimed at the future is progressing. Against this backdrop, competition is expected to intensify further.」

    Intensifying competition driven by integration and consolidation among regional banks is identified as a risk.
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