Intensifying Competition in Regional Financial Markets
First written in FY2016. 12 of 13 entries say "Restated". Latest entry: FY2024-Q3.
The whole theme swung hardest in 2025: 11 of 21 companies on the "Worse" side.
21 other companies' latest entry also says "Restated".
- 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 could materially affect investors’ decisions, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
States that there have been no material changes concerning the risk of intensifying competition in regional financial markets. - FY2021RestatedAnnual report
「In Oita Prefecture, which is the bank’s primary operating base, the bank faces competition from local peer banks and megabanks, as well as regional financial institutions in neighboring prefectures, non-bank financial institutions and others.」
The bank continues to identify intensifying competition involving regional financial institutions, megabanks, non-bank financial institutions and entrants from other industries as an ongoing risk. - FY2021-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 could materially affect investors’ decisions, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
States that there have been no material changes concerning the risk of intensifying competition in regional financial markets. - FY2020-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 could materially affect investors’ decisions, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
Comprehensively states that there have been no material changes concerning the risk of intensifying competition in regional financial markets. - FY2019RestatedAnnual report
「The bank faces competition from local peer banks and megabanks, as well as regional financial institutions in neighboring prefectures, non-bank financial institutions and others.」
The bank continues to identify intensifying competition involving regional financial institutions, megabanks, non-bank financial institutions and entrants from other industries as an ongoing risk. - FY2019-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 could materially affect investors’ decisions, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
States that there have been no material changes concerning the risk of intensifying competition in regional financial markets. - FY2019-Q1RestatedAnnual report
「During the first quarter of the current consolidated cumulative period, there were no occurrences of matters that could materially affect investors’ investment decisions among the matters relating to the business and financial position described in this quarterly report, nor were there any material changes to the “Business and Other Risks” described in the annual securities report for the previous fiscal year.」
Comprehensively states that there have been no material changes concerning the risk of intensifying competition in regional financial markets. - FY2018RestatedAnnual report
「In Oita Prefecture, which is the bank’s primary operating base, the bank faces competition from local peer banks and megabanks, as well as regional financial institutions in neighboring prefectures, non-bank financial institutions and others.」
The bank continues to identify the competitive environment involving regional financial institutions, megabanks, non-bank financial institutions and entrants from other industries as a risk. - FY2018-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 could materially affect investors’ decisions, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
States that there have been no material changes concerning the risk of intensifying competition in regional financial markets. - FY2017-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 could materially affect investors’ decisions, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
States that there have been no material changes concerning the risk of intensifying competition in regional financial markets. - FY2017-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 could materially affect investors’ decisions, or in the “Business and Other Risks” described in the securities report for the previous fiscal year.」
States that there have been no material changes concerning the risk of intensifying competition in regional financial markets. - FY2017-Q1RestatedAnnual report
「During the first quarter of the current consolidated cumulative period, there were no occurrences of matters that could materially affect investors’ investment decisions among the matters relating to the business and financial position described in this quarterly report, nor were there any material changes to the “Business and Other Risks” described in the annual securities report for the previous fiscal year.」
States that there have been no material changes concerning the risk of intensifying competition in regional financial markets. - FY2016First statedAnnual report
「The bank faces competition from local peer banks and megabanks, as well as regional financial institutions in neighboring prefectures, non-bank financial institutions and others. The competitive environment has intensified through the substantial deregulation of the financial system in recent years, including the privatization of government-affiliated financial institutions, moves by Japan Post Bank to expand its business scope, and the entry of companies from other industries, such as retail, into banking.」
Indicates that intensifying competition through competing financial institutions, entry by companies from other industries and deregulation may affect earnings and funding costs.