Changes in ATM Fees Received and Partnership Arrangements
First written in FY2017. 4 of 9 entries say "Materialised", first in FY2020-Q1. Latest entry: 2026-05-08.
Seven Bank moved to the "Worse" side of this theme in 2019, 2 years before the typical company in this theme (2021).
The whole theme swung hardest in 2025: 6 of 28 companies on the "Worse" side.
10 other companies' latest entry also says "First stated".
- 2026-05-08First statedFinancial Results Presentation
「Higher ATM interchange fees (planned for FY2027)」
For the first time, the company explicitly stated a new time-bound target to raise ATM interchange fees in FY2027. - FY2022RestatedAnnual report
「The ATM acceptance fees we receive from our partners are set at levels deemed reasonable for both parties' businesses. However, if ATM acceptance fees are reduced, or if a partnership is terminated because the parties cannot agree on the level of ATM acceptance fees, this could affect our earnings and financial position.」
The risk of partnerships being terminated due to reduced ATM acceptance fees or failure to agree on terms remains. - FY2022-Q3RestatedAnnual report
「Although total ATM transactions increased, primarily due to the introduction of a new ATM acceptance fee structure for banks and increased investment and expenses for future growth, including fourth-generation ATMs, consolidated ordinary revenue for the nine months ended 31 December was ¥103,199 million, down 0.7% year on year, while ordinary profit was ¥23,502 million, down 18.1%.」
The introduction of a new ATM acceptance fee structure for banks continues to be cited as a factor behind the decline in ordinary profit despite the increase in total ATM transactions. - FY2022-Q2MaterialisedAnnual report
「Although total ATM transactions increased, primarily due to the introduction of a new ATM acceptance fee structure for banks and increased investment and expenses for future growth, including fourth-generation ATMs, consolidated ordinary revenue for the six months ended 30 September was ¥67,425 million, down 1.2% year on year, while ordinary profit was ¥15,079 million, down 19.7%.」
The new ATM acceptance fee structure for banks was introduced and disclosed as a factor behind the decline in ordinary profit even as total ATM transactions increased. - FY2022-Q1MaterialisedAnnual report
「Although revenue increased due to the recovery in total ATM transactions as foot traffic returned, primarily due to the introduction of a new ATM acceptance fee structure for banks and increased investment and expenses for future growth, including fourth-generation ATMs, consolidated ordinary revenue for the three months ended 30 June was ¥33,437 million, up 1.1% year on year, while ordinary profit was ¥7,626 million, down 9.1%.」
The new ATM acceptance fee structure for banks was actually introduced and disclosed as a factor behind the decline in ordinary profit even as total ATM transactions recovered. - FY2020-Q2MaterialisedAnnual report
「Due in part to revisions to ATM usage fees by certain partner financial institutions, average daily transactions per ATM for the six months ended 30 September were 90.5, down 3.3% year on year, while total transactions were 417 million, down 0.4%.」
The impact of revisions to ATM usage fees by partner financial institutions continues to emerge as a factor behind the decline in transaction volume. - FY2020-Q1MaterialisedAnnual report
「Due in part to revisions to ATM usage fees by certain partner financial institutions, average daily transactions per ATM for the three months ended 30 June were 89.6, down 4.4% year on year, while total transactions were 205 million, down 1.4%.」
Revisions to ATM usage fees by partner financial institutions actually occurred and were disclosed as a factor behind the decline in average transactions per ATM and total transactions. - FY2018RestatedAnnual report
「There is no guarantee that fee levels will remain unchanged over the long term. If ATM acceptance fees are reduced, or if a partnership is terminated because the parties cannot agree on the level of ATM acceptance fees, this could affect our operating results and financial position.」
The risk of partnerships being terminated due to reduced ATM acceptance fees or failure to agree on terms remains. - FY2017First statedAnnual report
「There is no guarantee that fee levels will remain unchanged over the long term. If ATM acceptance fees are reduced, or if a partnership is terminated because the parties cannot agree on the level of ATM acceptance fees, this could affect our operating results and financial position.」
The termination of partnerships due to reduced fee levels or failure to agree on terms was described as a business-conditions risk separate from competition.