Risk of Changes in Financial Industry Laws and Regulations
First written in FY2016. 3 of 6 entries say "Restated". Latest entry: FY2024.
The Keiyo Bank moved to the "Worse" side of this theme in 2018, 6 years before the typical company in this theme (2024).
The whole theme swung hardest in 2025: 2 of 10 companies on the "Worse" side.
24 other companies' latest entry also says "Restated".
- FY2024RestatedAnnual report
「The bank works to collect information on a regular basis and has established a framework for responding promptly in preparation for such developments.」
The bank continues to collect information on a regular basis and maintain a framework for responding promptly to regulatory change risk. - FY2021RestatedAnnual report
「The bank conducts its business in accordance with applicable laws, regulations and business practices. Future changes to these requirements could affect its operations, operating results and financial condition.」
The bank continues to disclose the risk arising from changes in laws, regulations and business practices. Intensified competition has been organized as a separate risk item. - FY2020WorsenedAnnual report
「As financial deregulation progresses, competition across industry lines among banks, securities companies and insurers, as well as entry by companies from other industries, is intensifying further, also affected by the reorganization of regional financial institutions.」
In addition to regulatory changes and competition from other industries, the bank explicitly identifies the impact of reorganization among regional financial institutions as a factor intensifying competition. - FY2018WorsenedAnnual report
「The bank conducts its business in accordance with applicable laws, regulations and business practices. Future changes to these requirements could adversely affect its operations and operating results. In addition, changes in the financial industry environment could intensify competition with other financial institutions and competition across industry lines, which could adversely affect the bank's operating results and other performance.」
In addition to the existing risk of regulatory changes, the bank explicitly identifies intensified competition from other financial institutions and companies in other industries as risk factors. - FY2017RestatedAnnual report
「The bank conducts its business in accordance with applicable laws, regulations and business practices. Future changes to these requirements could adversely affect its operations and operating results.」
The bank continues to disclose the risk of changes in laws, regulations and business practices. - FY2016First statedAnnual report
「The bank conducts its business in accordance with applicable laws, regulations and business practices. Future changes to these requirements could adversely affect its operations and operating results.」
Changes in laws, regulations and business practices are identified as external risks.