Dependence on the Regional Economies of Wakayama Prefecture and Southern Osaka Prefecture
First written in FY2016. 7 of 9 entries say "Restated". Latest entry: FY2026.
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- FY2026RaisedAnnual report
「The Bank's main operating base is Wakayama Prefecture and Osaka Prefecture. Both loans and deposits have a high concentration in these regions, primarily among small and medium-sized enterprises, individuals and local governments.」
The description of the main operating base has expanded from the southern Osaka region to all of Osaka Prefecture. - FY2025-H1RestatedAnnual report
「During the interim consolidated accounting period, there were no new major risks or significant changes to the business risks described in the annual securities report that management recognized as potentially having a material effect on the financial position, operating results, or cash flows of the consolidated companies, among the matters concerning business conditions and financial matters described in this Semiannual Report.」
The Bank stated that there were no material changes to the principal risks, including dependence on the regional economy. - FY2024-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no significant changes in the matters described in this quarterly report regarding the business and accounting conditions that management recognizes could materially affect the financial position, operating results and cash flows of the consolidated companies, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
It was stated that there were no material changes to the principal risks, and the existing risk framework, including dependence on the regional economy, was maintained. - FY2023RestatedAnnual report
「The Bank's main operating base is Wakayama Prefecture and the southern Osaka region. Both loans and deposits have a high concentration in these regions, primarily among small and medium-sized enterprises, individuals and local governments.」
The concentration of the operating base in Wakayama Prefecture and southern Osaka, and dependence on the regional economy, continue to be identified as risks. - FY2023-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no significant changes in the matters described in this quarterly report regarding the business and accounting conditions that management recognizes could materially affect the financial position, operating results and cash flows of the consolidated companies, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
It was stated that there were no material changes to the principal risks, and the existing risk framework, including dependence on the regional economy, was maintained. - FY2023-Q1RestatedAnnual report
「During the three-month period ended 30 June, there were no new risks that management recognizes as having the potential to materially affect the financial position, operating results or cash flows of the consolidated companies, and no material changes to the business risks described in the annual securities report for the previous fiscal year.」
It was stated that there were no material changes to the principal risks, and the existing risk framework, including dependence on the regional economy, was maintained. - FY2022-Q2RestatedAnnual report
「During the cumulative second quarter under review, there were no significant changes in the matters described in this quarterly report regarding the business and accounting conditions that management recognizes could materially affect the financial position, operating results and cash flows of the consolidated companies, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
The Bank stated that there were no material changes to the principal risks. The existing risk framework, including dependence on the regional economy, was maintained. - FY2019RestatedAnnual report
「The Bank's main operating base is Wakayama Prefecture and the southern Osaka region. Both loans and deposits have a high concentration in these regions, primarily among small and medium-sized enterprises, individuals and local governments.」
The concentration of the operating base in Wakayama Prefecture and southern Osaka, and dependence on the regional economy, continue to be identified as risks. - FY2016First statedAnnual report
「The Bank's main operating base is Wakayama Prefecture and the southern Osaka region. Both loans and deposits have a high concentration in these regions, primarily among small and medium-sized enterprises, individuals and local governments. Changes in economic conditions in these core operating regions may affect loan balances, deposits and credit-related costs, potentially adversely affecting the Bank's performance.」
The high concentration in the operating region is described as a risk that may affect performance through loans, deposits and credit-related costs.