Risk to Revenue from Intensifying Competition in the Financial Industry
First written in FY2016. 15 of 18 entries say "Restated". Latest entry: FY2024.
Bank of The Ryukyus,Limited moved to the "Worse" side of this theme in 2024, the same year as the typical company in this theme.
The whole theme swung hardest in 2025: 11 of 21 companies on the "Worse" side.
17 other companies' latest entry also says "Worsened".
- FY2024WorsenedAnnual report
「The operating environment surrounding the bank will enter a world with interest rates as the Bank of Japan moves toward normalizing monetary policy, and depending on its management strategy, higher interest rates may have either a positive or negative impact.」
The bank describes the post-negative-interest-rate-policy environment as a new operating environment, outlining both earnings opportunities and risks. - FY2023-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure reconfirms that there have been no significant changes or new risks since the previous year's disclosure concerning the risk of securing earnings amid intensifying competition in the financial industry. - FY2023-Q1RestatedAnnual report
「During the cumulative first quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure reconfirms that there have been no significant changes or new risks since the previous year's disclosure concerning the risk of securing earnings amid intensifying competition in the financial industry. - FY2022-Q2RestatedAnnual report
「During the cumulative second quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure states that there have been no significant changes or new risks since the previous year's disclosure concerning the risk of securing earnings amid intensifying competition in the financial industry. - FY2021-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure reconfirms that there have been no significant changes or new risks concerning the risk of securing earnings amid intensifying competition in the financial industry. - FY2021-Q2RestatedAnnual report
「During the cumulative second quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure reconfirms that there have been no significant changes or new risks since the previous year's disclosure concerning the risk of securing earnings amid intensifying competition in the financial industry. - FY2021-Q1RestatedAnnual report
「During the cumulative first quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure states that there have been no significant changes or new risks concerning the risk of securing earnings amid intensifying competition in the financial industry. - FY2020-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure reconfirms that there have been no significant changes or new risks concerning the risk of securing earnings amid intensifying competition in the financial industry. - FY2020-Q2RestatedAnnual report
「During the cumulative second quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure states that there have been no significant changes or new risks concerning the risk of securing earnings amid intensifying competition in the financial industry. - FY2020-Q1RestatedAnnual report
「During the cumulative first quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure states that there have been no significant changes or new risks since the previous fiscal year concerning the risk of securing earnings amid intensifying competition in the financial industry. - FY2019-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure reconfirms that there have been no significant changes or new risks concerning the risk of securing earnings amid intensifying competition in the financial industry. - FY2019-Q1RestatedAnnual report
「During the cumulative first quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure states that there have been no significant changes or new risks concerning the risk of securing earnings amid intensifying competition in the financial industry. - FY2018WorsenedAnnual report
「While the local economy remains strong, the operating environment surrounding the bank is becoming increasingly challenging due to the continuation of the Bank of Japan's negative interest rate policy and intensifying lending competition among financial institutions inside and outside the prefecture.」
The disclosure states that the competitive environment is becoming increasingly challenging due to intensifying lending competition among financial institutions inside and outside the prefecture. - FY2018-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure states that there have been no significant changes or new risks concerning the risk of securing earnings amid intensifying competition in the financial industry. - FY2017-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure reconfirms that there have been no significant changes or new risks concerning the risk of securing earnings amid intensifying competition in the financial industry. - FY2017-Q2RestatedAnnual report
「During the cumulative second quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure states that there have been no significant changes or new risks concerning the risk of securing earnings amid intensifying competition in the financial industry. - FY2017-Q1RestatedAnnual report
「During the cumulative first quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
The disclosure states that there have been no significant changes or newly arising risks since the previous fiscal year concerning the risk of securing earnings amid intensifying competition in the financial industry. - FY2016First statedAnnual report
「The bank may be unable to secure the earnings it has projected due to competition with other financial institutions, which could adversely affect its business performance and financial condition.」
Intensifying competition accompanying financial deregulation is identified as an external risk.