Komori
North Pacific Bank (8524) · RiskRestated

Risks from Intensifying Competition in Financial Services and Regulatory Changes

First written in FY2016. 5 of 6 entries say "Restated". Latest entry: FY2025.

6entries
10years
0from disclosures
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How it moved
ProgressHeldSoftenedWorseRestatedFY2016 – FY20252016: 120162017: 120172018: 120182019: 120192020: 020202021: 020212022: 120222023: 020232024: 020242025: 12025
Same theme, other companies
Competition Among Financial Institutions and Declining Earnings Driven by Negative Interest Rates and Changes in the Financial SystemA theme 53 companies write about · 56 as a headwind · 0 as a tailwind

The whole theme swung hardest in 2025: 11 of 22 companies on the "Worse" side.

22 other companies' latest entry also says "Restated".

Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
Showing 14 of the 53 companies compared. The sentences above are computed from all 53.
Full recordFilings, disclosures and news, newest first
  1. FY2025RestatedAnnual report

    「In recent years, Japan's financial system has undergone substantial regulatory deregulation, accompanied by intensifying competition.」

    The bank continues to identify intensified financial competition and regulatory changes as risks that may affect performance and financial condition.
  2. FY2022RestatedAnnual report

    「In recent years, Japan's financial system has undergone substantial regulatory deregulation, accompanied by intensifying competition.」

    The bank continues to identify the risks that intensified financial competition and regulatory changes may affect performance and financial condition.
  3. FY2019RestatedAnnual report

    「In recent years, Japan's financial system has undergone substantial regulatory deregulation, accompanied by intensifying competition.」

    The bank continues to identify intensified financial competition and regulatory changes as risks that may affect performance and financial condition.
  4. FY2018RestatedAnnual report

    「In recent years, Japan's financial system has undergone substantial regulatory deregulation, accompanied by intensifying competition.」

    The bank continues to identify intensified financial competition and regulatory changes as risks that may affect performance and financial condition.
  5. FY2017RestatedAnnual report

    「In recent years, Japan's financial system has undergone substantial regulatory deregulation, accompanied by intensifying competition.」

    The bank continues to identify intensified financial competition and regulatory changes as risks that may affect performance.
  6. FY2016First statedAnnual report

    「In recent years, Japan's financial system has undergone substantial regulatory deregulation, accompanied by intensifying competition.」

    The bank continues to identify the risk of being unable to secure a competitive advantage and the risk that changes in laws, regulations and policies may affect performance and financial condition.
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