Intensifying competition due to financial institutions entering and consolidating in Kyushu
First written in FY2017. 3 of 5 entries say "Worsened", first in FY2020. Latest entry: FY2026.
Fukuoka Financial Group moved to the "Worse" side of this theme in 2020, 1 year before the typical company in this theme (2021).
The whole theme swung hardest in 2025: 12 of 24 companies on the "Worse" side.
21 other companies' latest entry also says "Worsened".
- FY2026WorsenedAnnual report
「Top risk: Declining competitiveness accompanying the rapid advancement of the digital society ・The existing earnings base could be damaged by technological advances and the emergence of innovative financial services from platform companies and companies in other industries」
Reorganizes competitive risk as a top risk and identifies technological advances and innovative financial services from platform companies and companies in other industries as specific competitive factors. - FY2025WorsenedAnnual report
「In addition to megabanks and regional banks, online banks and online brokerages are gaining momentum, while companies from other industries are also entering financial services one after another, intensifying the competitive environment.」
Explicitly identifies the entry and consolidation of other financial institutions in Kyushu, as well as online banks, online brokerages and companies from other industries entering financial services, as competitive factors. - FY2020WorsenedAnnual report
「The rapid advancement of digital technology is also expected to lead to a succession of new entrants from other industries into the banking business.」
Describes entry into banking by companies from other industries driven by digital technology, in addition to the risks of financial institutions entering and consolidating in Kyushu. - FY2018RestatedAnnual report
「Kyushu is expected to see further entry and business expansion by other financial institutions, as well as consolidation among local financial institutions.」
Competition in Kyushu continues to intensify due to the entry, business expansion and consolidation of financial institutions. - FY2017First statedAnnual report
「Kyushu, including Fukuoka, Kumamoto and Nagasaki prefectures, which are the Group's main operating base and the region in which it seeks broad expansion under its business strategy, is expected to see further entry and business expansion by other financial institutions, as well as consolidation among local financial institutions.」
Identifies the entry and business expansion of other financial institutions in the main operating region, and consolidation among local financial institutions, as competitive risks.