Responding to the Business Environment Shaped by Population Decline and an Aging Society
First written in FY2017-Q1. 13 of 17 entries say "Restated". Latest entry: FY2026.
The Toho 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
「[Major risks] Likelihood of occurrence: Low / Medium / High Impact: Low ・Risk related to impairment of fixed assets Medium ・Reputational risk ・Risk related to infectious disease outbreaks ・Risk related to changes in laws, regulations and policies ・Delays in restoration following the Great East Japan Earthquake ・Credit risk ・Market risk ・Liquidity risk ・Risk related to the capital adequacy ratio ・Risk related to financial crime ・Intensifying competition due to changes in social and industrial structures ・Shortage of specialized personnel ・Climate-change risk High ・Advances in digital technology ・Risk related to inappropriate conduct by officers and employees ・Risk related to key business partners ・Risk of business interruption caused by major natural disasters and other events ・Geopolitical risk ・Insufficient response to DE&I ・Cybersecurity risk ・Systems risk ・Weakness in the global and Japanese economies ・Population decline and an aging society」
Population decline and an aging society were identified as major risks. As top risks, the Bank specifically cited the resulting contraction of Fukushima’s economic scale and decline in earnings power, as well as effects on securing and allocating personnel. - FY2025-H1RestatedAnnual report
「There have been no material changes or newly arising risks in the business and other risks of the consolidated companies during the interim consolidated accounting period.」
The filing reconfirms that there have been no material changes or newly arising business risks. - FY2024-Q1RestatedAnnual report
「There have been no material changes or newly arising risks in the business and other risks of the consolidated companies during the cumulative first quarter of the current fiscal year.」
The filing reconfirms that there have been no material changes or newly arising business risks. - FY2023-Q2RestatedAnnual report
「There have been no material changes or newly arising risks in the business and other risks of the consolidated companies during the cumulative second quarter of the current fiscal year.」
The filing reconfirms that there have been no material changes or newly arising business risks. - FY2022-Q3RestatedAnnual report
「There have been no material changes or newly arising risks in the business and other risks of the consolidated companies during the cumulative third quarter of the current fiscal year.」
The filing reconfirms that there have been no material changes or newly arising business risks. - FY2022-Q2RestatedAnnual report
「There have been no material changes or newly arising risks in the business and other risks of the consolidated companies during the cumulative second quarter of the current fiscal year.」
The filing reconfirms that there have been no material changes or newly arising business risks. - FY2022-Q1RestatedAnnual report
「There have been no material changes or newly arising risks in the business and other risks of the consolidated companies during the cumulative first quarter of the current fiscal year.」
The filing reconfirms that there have been no material changes or newly arising business risks. - FY2021WorsenedAnnual report
「To support regions and customers facing numerous challenges amid the contraction of the regional economy and the COVID-19 pandemic」
In addition to the previous recognition of market contraction caused by population decline, the filing explicitly identifies the contraction of the regional economy and challenges caused by the COVID-19 pandemic. - FY2021-Q3RestatedAnnual report
「There have been no material changes or newly arising risks in the business and other risks of the consolidated companies during the cumulative third quarter of the current fiscal year.」
The filing reconfirms that there have been no material changes or newly arising business risks. - FY2021-Q2RestatedAnnual report
「There have been no material changes or newly arising risks in the business and other risks of the consolidated companies during the cumulative second quarter of the current fiscal year.」
The filing reconfirms that there have been no material changes or newly arising business risks. - FY2021-Q1RestatedAnnual report
「There have been no material changes or newly arising risks in the business and other risks of the consolidated companies during the cumulative first quarter of the current fiscal year.」
The filing reconfirms that there have been no material changes or newly arising business risks. - FY2020RestatedAnnual report
「The environment surrounding the financial industry is undergoing major changes, including the continuation of accommodative monetary policy, including negative interest rates, market contraction caused by population decline and advances in digitalization.」
The Bank continued to recognize changes in the financial-industry environment, including market contraction caused by population decline and advances in digitalization. - FY2020-Q3RestatedAnnual report
「There have been no material changes or newly arising risks in the business and other risks of the consolidated companies during the cumulative third quarter of the current fiscal year.」
The filing states that there have been no material changes or newly arising business risks. - FY2020-Q2RestatedAnnual report
「There have been no material changes or newly arising risks in the business and other risks of the consolidated companies during the cumulative second quarter of the current fiscal year.」
The filing states that there have been no material changes or newly arising business risks. - FY2019RestatedAnnual report
「The business environment is undergoing major changes, including the continuation of accommodative monetary policy, including negative interest rates, market contraction caused by population decline, rapid advances in financial IT and entry by companies from other industries.」
The Bank continued to recognize changes in the business environment, including market contraction caused by population decline. - FY2018WorsenedAnnual report
「To regard this change as an opportunity and turn it into growth and development for the Bank, we must engage sincerely with regional challenges and customer needs and respond with a sense of urgency.」
The impact of population decline on the business environment was made explicit as market contraction, in addition to demographic change itself. - FY2017-Q1First statedAnnual report
「Amid population decline and the aging of society」
Demographic change was presented as the backdrop to efforts to strengthen initiatives aimed at sustainable growth.