Regional Economic Risk from Concentration in Chiba Prefecture
First written in FY2016. 5 of 22 entries say "Restated". Latest entry: FY2026-H1.
The Keiyo Bank moved to the "Worse" side of this theme in 2019, 7 years before the typical company in this theme (2026).
0 other companies' latest entry also says "Other".
- FY2026-H1Recovery in personal consumption and employmentAnnual report
「In the Chiba Prefecture economy, which is the Bank's operating base, private consumption and employment conditions also showed signs of recovery, and the prefectural economy overall recovered gradually.」
The disclosure adds recovery in private consumption and employment conditions to the previously noted improvement in corporate sentiment in the Chiba Prefecture economy. - FY2025-H1Improvement in business sentimentAnnual report
「In the Chiba Prefecture economy, which is the Bank's operating base, corporate sentiment also showed signs of improvement, and the prefectural economy overall recovered gradually.」
The disclosure adds improvement in corporate sentiment to the previously noted recovery in private consumption in the Chiba Prefecture economy. - FY2024RestatedAnnual report
「In the Chiba Prefecture economy, which is the Bank's operating base, household consumption entered a recovery trend, and the prefectural economy overall recovered gradually.」
Regarding the Chiba Prefecture economy, the disclosure describes a recovery trend in household consumption and a gradual recovery in the prefectural economy, continuing the recovery trend from the previous fiscal year. - FY2024-Q3Recovery in the prefectural economy alongside weak housing investmentAnnual report
「Although some areas, including housing investment, remained weak in the Chiba Prefecture economy, which is the Bank's operating base, the prefectural economy overall recovered gradually.」
The disclosure states that, although some areas of the Chiba Prefecture economy, including housing investment, remained weak, the prefectural economy overall recovered gradually. - FY2024-Q2Improving consumption and business sentiment alongside stalled public investmentAnnual report
「Although public investment in the Chiba Prefecture economy, which is the Bank's operating base, showed signs of stalling in its recovery, private consumption and corporate sentiment improved, and the economy overall recovered gradually.」
In the Chiba Prefecture economy, public investment showed signs of stalling, while private consumption and corporate sentiment improved, resulting in a gradual overall recovery. - FY2024-Q1RestatedAnnual report
「In the Chiba Prefecture economy, which is the Bank's operating base, household consumption entered a recovery trend, and the prefectural economy overall recovered gradually.」
Regarding the Chiba Prefecture economy, the disclosure describes a recovery trend in household consumption and a gradual recovery in the prefectural economy, indicating no major change in direction from the recovery trend through the previous quarter. - FY2023-Q3Recovery in capital investment and the prefectural economyAnnual report
「In the Chiba Prefecture economy, which is the Bank's operating base, capital investment that had been deferred during the pandemic showed signs of recovery, and the prefectural economy overall entered a gradual recovery trend.」
The disclosure states that capital investment deferred during the pandemic showed signs of recovery in the Chiba Prefecture economy, and that the prefectural economy overall entered a gradual recovery trend. - FY2023-Q2Moderate recovery in the prefectural economyAnnual report
「In the Chiba Prefecture economy, which is the Bank's operating base, household consumption moved toward a gradual recovery in the absence of restrictions on activity to control the pandemic, while employment also showed signs of recovery, and the prefectural economy overall entered a gradual recovery trend.」
In the Chiba Prefecture economy, household consumption gradually recovered in the absence of restrictions on activity, while employment also showed signs of recovery. - FY2023-Q1Improving employment alongside stalled productionAnnual report
「Although the easing impact of the pandemic led to improvement in employment conditions and other areas of the Chiba Prefecture economy, which is the Bank's operating base, production and other areas showed signs of stagnation because of supply-side constraints.」
In the Chiba Prefecture economy, employment conditions and other areas improved as the impact of the pandemic eased, while production and other areas remained stalled because of supply constraints. - FY2022-Q3Signs of improving consumption alongside weak employmentAnnual report
「Although employment conditions and other areas of the Chiba Prefecture economy, which is the Bank's operating base, continued to show weakness because of the prolonged impact of the pandemic, household consumption showed some signs of improvement after the state of emergency was lifted.」
In the Chiba Prefecture economy, employment conditions and other areas remained weak because of the prolonged pandemic, while household consumption showed some signs of improvement after the state of emergency was lifted. - FY2022-Q2Signs of improving production alongside stalled consumptionAnnual report
「Although signs of improvement were seen in corporate production activity in the Chiba Prefecture economy, which is the Bank's operating base, household consumption remained stalled amid a combination of requests to refrain from nonessential and nonurgent outings and difficult employment conditions.」
In the Chiba Prefecture economy, corporate production activity showed signs of improvement, while household consumption remained stalled against a backdrop of requests to refrain from going out and difficult employment conditions. - FY2022-Q1RestatedAnnual report
「The Chiba Prefecture economy, which is the Bank's operating base, remained in a difficult situation, with the recovery in household consumption slow to gain momentum because of requests to refrain from nonessential and nonurgent outings and the application of priority preventive measures.」
The disclosure reconfirms that the recovery in private consumption in the Chiba Prefecture economy was delayed by requests to refrain from going out and the application of priority preventive measures, and that difficult conditions continued. - FY2021RestatedAnnual report
「The Chiba Prefecture economy, which is the Bank's operating base, remained in a difficult situation, with employment conditions deteriorating as corporate activity stagnated.」
The disclosure states that corporate activity continued to stagnate and employment conditions continued to deteriorate in the Chiba Prefecture economy. - FY2021-Q3WorsenedAnnual report
「The Chiba Prefecture economy, which is the Bank's operating base, remained in a difficult situation, with employment conditions deteriorating as corporate activity stagnated.」
The description of the Chiba Prefecture economy changed from the personal-consumption recovery seen in the previous quarter to continued difficult conditions in the regional economy, with corporate activity stagnating and employment conditions deteriorating. - FY2021-Q2Concurrent deterioration in employment and recovery in personal consumptionAnnual report
「The Chiba Prefecture economy, which is the Bank's operating base, remained in a difficult situation, with employment conditions deteriorating as corporate activity stagnated. However, private consumption showed signs of recovery as requests to refrain from going out and other restrictions were gradually lifted.」
While the stagnation of corporate activity and deterioration in employment conditions associated with COVID-19 continued, private consumption showed signs of recovery as requests to refrain from going out were gradually lifted. - FY2021-Q1MaterialisedAnnual report
「The Chiba Prefecture economy, which is the Bank's operating base, was also significantly affected across a broad range of areas, with private consumption constrained by requests to refrain from going out and corporate production activity declining.」
The disclosure states that the spread of COVID-19 and requests to refrain from going out actually constrained private consumption and reduced corporate production activity in the Chiba Prefecture economy. - FY2020MaterialisedAnnual report
「The Chiba Prefecture economy, which is the Bank's operating base, also deteriorated rapidly, like the national economy, with weakening private consumption and declining corporate production activity.」
The disclosure states that, in addition to natural disasters, the spread of COVID-19 and other factors actually led to weaker private consumption and lower corporate production activity in the Chiba Prefecture economy. - FY2020-Q3MaterialisedAnnual report
「Although the Chiba Prefecture economy, which is the Bank's operating base, was affected by a decline in consumption following the tax increase and by a succession of natural disasters affecting production, the number of corporate bankruptcies remained low and employment conditions remained firm, with the economy continuing on a gradual recovery path.」
The disclosure states that consumption declined following the consumption-tax rate increase and that a succession of natural disasters affected production in the Chiba Prefecture economy. - FY2020-Q2MaterialisedAnnual report
「Although the Chiba Prefecture economy, which is the Bank's operating base, was partly affected in production and consumption by damage from a succession of typhoons from September onward, the number of corporate bankruptcies remained low, while employment conditions and private consumption remained firm, and the economy continued on a gradual recovery path.」
Regarding natural-disaster risk centered on Chiba Prefecture, the disclosure states that typhoon damage actually affected part of production and consumption. - FY2018RestatedAnnual report
「Because the Bank's operating base is Chiba Prefecture, a deterioration in economic conditions there could adversely affect its results. In addition, if a major earthquake, typhoon or other natural disaster were to occur, particularly in Chiba Prefecture, the Bank's results could be adversely affected not only by damage suffered by the Bank itself, but also through an increase in credit risk resulting from deterioration in the performance of its borrowers.」
The disclosure continues to identify the concentration in the Chiba Prefecture economy and the increase in credit risk resulting from natural disasters such as earthquakes and typhoons. - FY2017WorsenedAnnual report
「In addition, if a major earthquake, typhoon or other natural disaster were to occur, particularly in Chiba Prefecture, the Bank's results could be affected not only by damage suffered by the Bank itself, but also through an increase in credit risk resulting from deterioration in the performance of its borrowers.」
In addition to the previous reference to deterioration in the Chiba Prefecture economy, the disclosure explicitly identifies natural disasters such as earthquakes and typhoons and the resulting increase in credit risk. - FY2016First statedAnnual report
「Because the Bank's operating base is Chiba Prefecture, a deterioration in economic conditions there could adversely affect its results by limiting business expansion and increasing credit risk.」
The disclosure explicitly identifies the regional concentration risk arising from the Bank's operating base in Chiba Prefecture.