Addressing the declining birthrate, aging population, and regional economic stagnation
First written in FY2016. 15 of 18 entries say "Restated". Latest entry: FY2026.
The Yamagata Bank moved to the "Worse" side of this theme in 2026, 5 years after the typical company in this theme (2021).
The whole theme swung hardest in 2018: 6 of 12 companies on the "Worse" side.
7 other companies' latest entry also says "Worsened".
- FY2026WorsenedAnnual report
「Yamagata Prefecture, the operating base of our group, faces various challenges as population decline, the declining birthrate and aging population progress, including the emergence of problems such as difficulties in finding successors for businesses and labor shortages, as well as the need to address rising prices and accelerate initiatives toward decarbonization.」
In addition to the previously identified issues of population decline, the declining birthrate and aging population, and regional economic contraction, the company explicitly identifies difficulties in finding successors, labor shortages, rising prices and the response to decarbonization as regional challenges. - FY2023RestatedAnnual report
「Yamagata Prefecture, our bank’s operating base, faces many challenges, including the contraction of the regional economy accompanying population decline, the declining birthrate and aging population, and difficulties in finding successors for small and medium-sized enterprises.」
The company reaffirms population decline, the declining birthrate and aging population, contraction of the regional economy, and difficulties in finding successors for small and medium-sized enterprises as continuing regional challenges. - 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 states that there have been no material changes or newly arising risks since the previous fiscal year concerning the business and other risks, including population decline, the declining birthrate and aging population, and contraction of the regional economy. - FY2022RestatedAnnual report
「The management environment presents many challenges, including the contraction of the regional economy accompanying population decline, the declining birthrate and aging population, and difficulties in finding successors for small and medium-sized enterprises.」
The company continues to recognize difficulties in finding successors for small and medium-sized enterprises, in addition to regional economic contraction caused by population decline, the declining birthrate and aging population, as a regional challenge. - 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 the declining birthrate, aging population, population decline and contraction of the regional economy. This is a routine confirmation concerning risks overall. - FY2021RestatedAnnual report
「The management environment presents many challenges, including the contraction of the regional economy accompanying population decline, the declining birthrate and aging population, and difficulties in finding successors for small and medium-sized enterprises.」
In addition to regional economic contraction caused by population decline, the declining birthrate and aging population, the company explicitly identifies difficulties in finding successors for small and medium-sized enterprises as a regional challenge and reaffirms the importance of the bank’s role in regional revitalization. - 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 the declining birthrate, aging population and contraction of the regional economy. - FY2020RestatedAnnual report
「In light of the management environment, including concerns over the contraction of the regional economy accompanying population decline, the declining birthrate and aging population, we recognize that the role and responsibility our bank must fulfill in regional revitalization and the revitalization of the regional economy have become increasingly important.」
The company continues to describe concerns over regional economic contraction caused by population decline, the declining birthrate and aging population, as well as the importance of the bank’s role and responsibility in regional revitalization. - 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 the declining birthrate, aging population and contraction of the regional economy. - 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 the declining birthrate, aging population and contraction of the regional economy. - 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 the declining birthrate, aging population and contraction of the regional economy. - FY2018WorsenedAnnual report
「Although the economy in Yamagata Prefecture has continued to show signs of recovery, given concerns over the contraction of the regional economy accompanying population decline, the declining birthrate and aging population, we recognize that the role and responsibility our bank must fulfill in regional revitalization and the revitalization of the regional economy have become increasingly important.」
The company has explicitly added concerns over population decline and regional economic contraction to its previous assessment of the declining birthrate and aging population. - 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 the declining birthrate, aging population and stagnation of the regional economy. - 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 since the previous fiscal year concerning the business and other risks, including the declining birthrate, aging population and stagnation of the regional economy. - FY2017RestatedAnnual report
「Given that the declining birthrate and aging population are progressing in Yamagata Prefecture at a faster pace than the national average, we recognize that the role and responsibility our bank must fulfill in revitalizing the regional economy have become increasingly important.」
The company reiterates its assessment of the external environment concerning the declining birthrate, aging population and regional economic revitalization, as well as the bank’s role. - 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 the declining birthrate, aging population and stagnation of the regional economy. - 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 explicitly states that there have been no material changes or newly arising risks overall among the business and other risks compared with the previous fiscal year’s annual securities report. - FY2016First statedAnnual report
「Given that the declining birthrate and aging population are advancing in Yamagata Prefecture faster than the national average, we recognize that our role and responsibility in revitalizing the regional economy have become increasingly important.」
Demographic change is identified as a significant external factor affecting the regional economy and the bank’s role.