Intensifying Competition in the Financial Industry and the Risk of Failing to Gain a Competitive Advantage
First written in FY2021. 2 of 4 entries say "Restated". Latest entry: FY2025-H1.
The whole theme swung hardest in 2025: 11 of 21 companies on the "Worse" side.
19 other companies' latest entry also says "Restated".
- FY2025-H1RestatedAnnual report
「There were no new business or other risks, or significant changes to the business and other risks described in the annual securities report for the previous fiscal year, during the current interim consolidated accounting period.」
Disclosed that there were no significant changes during the current interim consolidated accounting period to the risk of intensifying competition in the financial industry and failing to gain a competitive advantage. - FY2024RestatedAnnual report
「The Bank seeks to differentiate itself from competitors through measures that improve customer convenience.」
Continues to differentiate itself by improving customer convenience as a measure addressing intensifying competition and the risk of failing to gain a competitive advantage. - FY2022MitigatedAnnual report
「The Bank will seek to differentiate itself from competitors through measures that improve customer convenience.」
As a measure addressing intensifying competition and the risk of failing to gain a competitive advantage, explicitly described differentiation through measures to improve customer convenience. - FY2021First statedAnnual report
「As financial deregulation progresses, competition in the financial industry is intensifying further due to competition across business categories, including banking, securities and insurance, new entrants from other industries, and the impact of consolidation among regional financial institutions. If the Bank cannot gain a competitive advantage in this competitive business environment, its results and financial position may be affected.」
Competition, previously included in the disclosure of regulatory change risk, was disclosed as a separate risk item arising from competition among financial institutions and between financial institutions and other industries, as well as the consolidation of regional financial institutions.