Risk of Failure to Achieve Business Strategy Targets and Intensifying Competition
First written in FY2016. 20 of 25 entries say "Restated". Latest entry: FY2026.
Suruga Bank moved to the "Worse" side of this theme in 2026, 3 years after the typical company in this theme (2023).
The whole theme swung hardest in 2026: 9 of 10 companies on the "Worse" side.
10 other companies' latest entry also says "Reframed".
- FY2026ReframedAnnual report
「Under the medium-term management plan announced in April 2026, the company is implementing various strategies and measures for the plan period from fiscal 2026 through fiscal 2028.」
The scope of the risks of failure to achieve business strategies and intensifying competition has shifted from Re:Start 2025 to the new medium-term management plan for fiscal 2026 through fiscal 2028, and the possibility of failing to meet numerical targets continues to be disclosed. - FY2025-H1RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The company states that there have been no material changes to the risks of failure to achieve business strategies and intensifying competition. - FY2024-Q3RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The company states that there have been no material changes to the risks of failure to achieve business strategies and intensifying competition. - FY2024-Q2RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The company states that there have been no material changes to the risks of failure to achieve business strategies and intensifying competition. - FY2024-Q1RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The company states that there have been no material changes to the risks of failure to achieve business strategies and intensifying competition. - FY2023-Q3RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The company reiterates that there have been no material changes to the risks of failure to achieve business strategies and intensifying competition. - FY2023-Q2RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The company states that there have been no material changes to the risks of failure to achieve business strategies and intensifying competition. - FY2023-Q1RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The company states that there have been no material changes to the risks of failure to achieve business strategies and intensifying competition. - FY2022RestatedAnnual report
「However, the company may be unable to implement these strategies or measures, or, even if it succeeds in implementing them, may fail to achieve the results initially anticipated. It may also be unable to achieve its announced numerical targets if the various risks described in this section materialize or the economic environment changes.」
The company continues to disclose the possibility that the measures under Re:Start 2025 may not be implemented, their intended results may not be achieved, and numerical targets may not be met. - FY2022-Q2RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The company states that there have been no material changes to the risks of failure to achieve business strategies and intensifying competition. - FY2022-Q1RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The company states that there have been no material changes to the risks of failure to achieve business strategies and intensifying competition. - FY2021-Q3RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The company reiterates that there have been no material changes to the risks of failure to achieve business strategies and intensifying competition. - FY2021-Q1RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The company states that there have been no material changes to the risks of failure to achieve business strategies and intensifying competition. - FY2020RaisedAnnual report
「However, the company may be unable to implement these strategies or measures, or, even if it succeeds in implementing them, may fail to achieve the results initially anticipated. It may also be unable to achieve its announced numerical targets if the various risks described in this section materialize or the economic environment changes.」
In addition to the previous risks of intensifying competition and failure to achieve strategies, the company explicitly identifies the possibility that the measures under Re:Start 2025 may not be implemented, their intended results may not be achieved, and numerical targets may not be met. - FY2020-Q1RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The company states that there have been no material changes to the risks of failure to achieve business strategies and intensifying competition. - FY2019-Q3RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The company reiterates that there have been no material changes to the risks of failure to achieve business strategies and intensifying competition. - FY2019-Q1MaterialisedAnnual report
「In promoting sales of share-house-related loans, the company had used sales through real estate companies as points of contact, known as channel sales, as one form of investment real estate-related lending. However, investigations by the Crisis Management Committee and others have revealed that documents verifying customers' own funds had been forged or altered when they applied for loans, and that sale and purchase agreements for submission to the bank had been prepared separately from the actual sale and purchase agreements, inflating the purchase price to obtain larger loans. This is known as double contracting.」
Specific incidents involving the risk of inadequate management functions in channel sales using real estate companies as points of contact have been identified, including the forgery or alteration of documents verifying customers' own funds and double contracting. - FY2018RaisedAnnual report
「③ The risk of direct or indirect losses arising because a sales management system using real estate companies as points of contact fails to function properly.」
In addition to the previous risks of failure to achieve business strategies and intensifying competition, the company has added the malfunction of a sales management system using real estate companies as points of contact as a specific risk. - FY2018-Q2RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The company states that there have been no material changes to the risks of failure to achieve business strategies and intensifying competition. - FY2018-Q1RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The company states that there have been no material changes to the risks of failure to achieve business strategies and intensifying competition. - FY2017RestatedAnnual report
「The risk that competition will intensify due to competition with peers and companies in other industries, preventing the intended results from being achieved.」
The company continues to disclose the risks of failure to achieve business strategies and intensifying competition. - FY2017-Q3RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The company states that there have been no material changes to the risks of failure to achieve business strategies and intensifying competition. - FY2017-Q2RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The company states that there have been no material changes to the risks of failure to achieve business strategies and intensifying competition. - FY2017-Q1RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The company states that there have been no material changes to the risks of failure to achieve business strategies and intensifying competition. - FY2016First statedAnnual report
「The risk that changes in the business environment will prevent business strategies from producing their intended results.」
The company discloses the possibility that business strategies will fail to produce their intended results, including as a result of intensifying competition with peers and companies in other industries.