Changes in the Management Environment and New Challenges Resulting from Negative Interest Rate Policies and Other Factors
First written in FY2017. 10 of 17 entries say "Restated". Latest entry: FY2026-H1.
Bank of The Ryukyus,Limited moved to the "Worse" side of this theme in 2022, 2 years after the typical company in this theme (2020).
The whole theme swung hardest in 2020: 11 of 20 companies on the "Worse" side.
3 other companies' latest entry also says "Worsened".
- FY2026-H1WorsenedAnnual report
「Although excessive concerns about US trade policy have eased, uncertainty over the outlook for the global economy continues to increase, and the situation requires continued monitoring.」
It stated that, although excessive concerns about US trade policy had eased, uncertainty over the outlook for the global economy was increasing. - FY2025-H1WorsenedAnnual report
「In monetary policy, the Bank of Japan raised its policy rate by 0.15% in July, while the United States cut its policy rate by 0.50% in September. As a result, the yen appreciated against the US dollar to around ¥140 in September, but subsequently depreciated to around ¥148 amid market expectations regarding monetary policy in Japan and the United States. With exchange-rate movements substantial, attention is focused on the impact on prices going forward.」
It specifically described the Bank of Japan's rate hike, the US rate cut, substantial fluctuations in the yen exchange rate and the impact on rising prices as new aspects of the operating environment. - FY2023-Q3WorsenedAnnual report
「During the cumulative consolidated third-quarter period of the fiscal year ending March 2023, from 1 April 2022 to 31 December 2022, signs of recovery emerged as efforts to balance measures against COVID-19 with economic activity progressed, and the government's monthly economic report upgraded its economic assessment in July to “the economy is gradually recovering.” Meanwhile, surging prices and volatility in financial and capital markets are factors of concern for the outlook.」
While signs of recovery were seen in economic activity, it explicitly cited volatility in financial and capital markets, in addition to surging prices, as factors of concern for the outlook. - FY2023-Q1WorsenedAnnual report
「Meanwhile, surging prices resulting from Russia's invasion of Ukraine and the depreciation of the yen have become pronounced and are factors of concern for the outlook.」
In addition to the pandemic and financial environment previously identified, it explicitly cited surging prices resulting from Russia's invasion of Ukraine and the depreciation of the yen as factors of concern for the outlook. - FY2022WorsenedAnnual report
「The operating environment surrounding the Bank remains challenging, with uncertainty over the outlook for financial conditions increasing amid the continuation of the negative interest rate policy, the entry of non-financial companies into financial services, the economic downturn accompanying the spread of COVID-19, and growing concerns about accelerating inflation as resource prices and consumer prices rise, triggered by the situation in Ukraine.」
In addition to the previous negative interest rate and competitive environment, it explicitly cited uncertainty arising from the pandemic, the situation in Ukraine, and rising resource and consumer prices. - 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.」
Regarding changes in the operating environment and new challenges arising from the negative interest rate policy and other factors, it stated that there have been no material changes or new risks since the previous year's disclosure. - 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.」
Regarding changes in the operating environment and new challenges arising from the negative interest rate policy and other factors, it reaffirmed that there have been no material changes or new risks. - 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.」
Regarding changes in the operating environment and new challenges arising from the negative interest rate policy and other factors, it reaffirmed that there have been no material changes or new risks since the previous year's disclosure. - 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.」
Regarding changes in the operating environment and new challenges arising from the negative interest rate policy and other factors, it stated that there have been no material changes or new risks. - 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.」
Regarding changes in the operating environment and new challenges arising from the negative interest rate policy and other factors, it reaffirmed that there have been no material changes or new risks. - 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.」
Regarding changes in the operating environment and new challenges arising from the negative interest rate policy and other factors, it stated that there have been no material changes or new risks. - 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.」
Regarding changes in the operating environment and new challenges arising from the negative interest rate policy and other factors, it stated that there have been no material changes or new risks from the previous fiscal year. - 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.」
Regarding changes in the operating environment and new challenges arising from the negative interest rate policy and other factors, it reaffirmed that there have been no material changes or new risks. - 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.」
Regarding changes in the operating environment and new challenges arising from the negative interest rate policy and other factors, it states that there have been no material changes or new risks in the business and other risks. - FY2018WorsenedAnnual report
「The environment surrounding the Bank is becoming increasingly challenging owing to the continuation of the Bank of Japan's negative interest rate policy and intensifying competition for lending among financial institutions inside and outside the prefecture.」
It stated that the operating environment is becoming increasingly challenging owing to the continuation of the negative interest rate policy and intensifying competition for lending. - 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.」
Regarding changes in the operating environment and new challenges arising from the negative interest rate policy and other factors, it states that there have been no material changes or new risks in the business and other risks. - FY2017First statedAnnual report
「While the local economy has remained strong, new challenges have emerged, including major changes in the operating environment resulting from the Bank of Japan's “negative interest rate policy,” the introduction of benchmarks for financial intermediation, advances in FinTech and a tight labour market.」
The negative interest rate policy, the introduction of benchmarks for financial intermediation, advances in FinTech and a tight labour market were listed as new management challenges.