Credit, Market and Regulatory Risks in the FX and Credit Businesses
First written in FY2016. 32 of 35 entries say "Worsened", first in FY2017-Q3. Latest entry: 2026-08-03.
Ly moved to the "Worse" side of this theme in 2017.
The whole theme swung hardest in 2017: 1 of 7 companies on the "Worse" side.
2 other companies' latest entry also says "Mitigated".
- 2026-08-03MitigatedEarnings
「Undrawn loan commitments 10,648,136 10,345,835」
Undrawn loan commitments decreased from ¥10,648.136 billion at the end of the previous consolidated fiscal year to ¥10,345.835 billion. - FY2026WorsenedAnnual report
「Undrawn loan commitments 9,971,127 10,648,136」
Undrawn loan commitments increased from ¥9,971,127 million to ¥10,648,136 million, indicating a renewed expansion in credit exposure in the card and financial businesses. - FY2026-H1WorsenedAnnual report
「Total loan commitments 11,242,876 11,954,674 Drawn loan commitments 1,271,748 1,364,783 Undrawn loan commitments 9,971,127 10,589,890」
Total loan commitments increased from ¥11,242,876 million to ¥11,954,674 million, while undrawn loan commitments increased from ¥9,971,127 million to ¥10,589,890 million, indicating a renewed expansion in credit exposure. - FY2025MitigatedAnnual report
「The Group's loan commitments primarily consist of shopping and cash advance limits available to the Group's credit card members. The total amount of loan commitments and undrawn loan commitments are as follows.」
Total loan commitments decreased from ¥13,424,525 million to ¥11,242,876 million, while undrawn loan commitments decreased from ¥12,395,147 million to ¥9,971,127 million. - FY2024WorsenedAnnual report
「Total loan commitments 13,424,525 Drawn loan commitments 1,029,378 Undrawn loan commitments 12,395,147」
Undrawn loan commitments increased from ¥11,186,409 million at the end of the previous period to ¥12,395,147 million, further expanding credit exposure in the card and financial businesses. - FY2024-Q3WorsenedAnnual report
「Total loan commitments 11,973,631 12,943,876 Drawn loan commitments 787,221 989,855 Undrawn loan commitments 11,186,409 11,954,020」
Undrawn loan commitments increased from ¥11,186,409 million at the end of the previous consolidated fiscal year to ¥11,954,020 million, further expanding credit exposure in the card and financial businesses. - FY2024-Q2WorsenedAnnual report
「Total loan commitments 11,973,631 12,587,568 Drawn loan commitments 787,221 888,113 Undrawn loan commitments 11,186,409 11,699,454」
Undrawn loan commitments increased from ¥11,186,409 million at the end of the previous consolidated fiscal year to ¥11,699,454 million, expanding credit exposure in the card and financial businesses. - FY2024-Q1WorsenedAnnual report
「Total loan commitments 12,480,965 Drawn loan commitments 842,965 Undrawn loan commitments 11,637,999」
Undrawn loan commitments increased from ¥11,186,409 million at the end of the previous consolidated fiscal year to ¥11,637,999 million, expanding credit exposure in the card and financial businesses. - FY2023WorsenedAnnual report
「Total loan commitments 11,973,631 Drawn loan commitments 787,221 Undrawn loan commitments 11,186,409」
Undrawn loan commitments increased substantially from ¥6,246,251 million at the end of the previous period to ¥11,186,409 million, expanding credit exposure in the card and financial businesses. - FY2023-Q3WorsenedAnnual report
「Total loan commitments 6,846,655 11,290,214 Drawn loan commitments 600,404 747,570 Undrawn loan commitments 6,246,251 10,542,643」
Undrawn loan commitments increased substantially from ¥6,246,251 million at the end of the previous consolidated fiscal year to ¥10,542,643 million, expanding credit exposure in the card and financial businesses. - FY2023-Q2WorsenedAnnual report
「Total loan commitments 6,846,655 9,719,904 Drawn loan commitments 600,404 635,531 Undrawn loan commitments 6,246,251 9,084,372」
Undrawn loan commitments increased substantially from ¥6,246,251 million at the end of the previous period to ¥9,084,372 million, significantly expanding credit exposure in the card and financial businesses. - FY2023-Q1WorsenedAnnual report
「Total loan commitments 6,846,655 7,921,744 Drawn loan commitments 600,404 614,643 Undrawn loan commitments 6,246,251 7,307,101」
Undrawn loan commitments in the card and financial businesses increased from ¥6,246,251 million at the end of the previous period to ¥7,307,101 million, expanding credit exposure. - FY2022WorsenedAnnual report
「Total loan commitments 6,846,655 Drawn loan commitments 600,404 Undrawn loan commitments 6,246,251」
Total loan commitments in the card and financial businesses increased to ¥6,846,655 million, and undrawn loan commitments increased to ¥6,246,251 million, expanding credit exposure. - FY2022-Q3WorsenedAnnual report
「Total loan commitments 5,674,622 6,552,540 Drawn loan commitments 486,391 577,729 Undrawn loan commitments 5,188,231 5,974,810」
Undrawn loan commitments increased from ¥5,188,231 million at the end of the previous period to ¥5,974,810 million, expanding credit exposure in the card and financial businesses. - FY2022-Q2WorsenedAnnual report
「Total loan commitments 5,674,622 6,263,461 Drawn loan commitments 486,391 498,570 Undrawn loan commitments 5,188,231 5,764,891」
Undrawn shopping and cash advance commitments for cardholders increased from ¥5,188,231 million at the end of the previous period to ¥5,764,891 million, expanding credit exposure. - FY2022-Q1WorsenedAnnual report
「Total loan commitments 5,674,622 5,844,060 Drawn loan commitments 486,391 485,875 Undrawn loan commitments 5,188,231 5,358,185」
Undrawn loan commitments increased from ¥5,188,231 million at the end of the previous period to ¥5,358,185 million, expanding credit exposure in the card and financial businesses. - FY2021WorsenedAnnual report
「Total loan commitments 4,979,095 5,674,622 Drawn loan commitments 405,965 486,391 Undrawn loan commitments 4,573,130 5,188,231」
Undrawn loan commitments increased from ¥4,573,130 million at the end of the previous period to ¥5,188,231 million, expanding credit exposure in the card and financial businesses. - FY2021-Q3WorsenedAnnual report
「Total loan commitments 4,979,095 5,441,285 Drawn loan commitments 405,965 449,484 Undrawn loan commitments 4,573,130 4,991,800」
Undrawn loan commitments increased from ¥4,573,130 million at the end of the previous period to ¥4,991,800 million, expanding credit exposure in the card and financial businesses. - FY2021-Q2WorsenedAnnual report
「Total loan commitments 4,979,095 5,330,317 Drawn loan commitments 405,965 401,339 Undrawn loan commitments 4,573,130 4,928,978」
Undrawn loan commitments increased from ¥4,573,130 million at the end of the previous period to ¥4,928,978 million, expanding credit exposure in the card and financial businesses. - FY2021-Q1WorsenedAnnual report
「Total loan commitments 4,979,095 5,165,133 Drawn loan commitments 405,965 401,334 Undrawn loan commitments 4,573,130 4,763,799」
Undrawn loan commitments increased from ¥4,573,130 million at the end of the previous period to ¥4,763,799 million, expanding credit exposure in the card and financial businesses. - FY2020WorsenedAnnual report
「Total loan commitments 4,979,095 Drawn loan commitments 405,965 Undrawn loan commitments 4,573,130」
Undrawn loan commitments increased from ¥3,854,555 million at the end of the previous period to ¥4,573,130 million, expanding credit exposure in the card and financial businesses. - FY2020-Q3WorsenedAnnual report
「Total loan commitments 4,172,094 4,750,026 Drawn loan commitments 317,538 408,167 Undrawn loan commitments 3,854,555 4,341,858」
Undrawn loan commitments increased from ¥3,854,555 million at the end of the previous period to ¥4,341,858 million, expanding credit exposure in the card and financial businesses. - FY2020-Q2WorsenedAnnual report
「Undrawn loan commitments 3,854,555 4,194,296」
Undrawn loan commitments increased from ¥3,854,555 million at the end of the previous consolidated fiscal year to ¥4,194,296 million, expanding credit exposure in the card and financial businesses. - FY2020-Q1WorsenedAnnual report
「Undrawn loan commitments 4,190,781」
Undrawn loan commitments increased from ¥3,854,555 million at the end of the previous consolidated fiscal year to ¥4,190,781 million, expanding credit exposure in the card and financial businesses. - FY2019WorsenedAnnual report
「Undrawn loan commitments 3,854,555」
Undrawn loan commitments, including the shopping limits of the card business, amounted to ¥3,854,555 million, increasing from the comparable figure of ¥2,994,378 million at the end of the previous period. Credit exposure continued to expand. - FY2019-Q3WorsenedAnnual report
「Undrawn loan commitments 3,513,214」
Undrawn loan commitments, including the shopping limits of the card business, amounted to ¥3,513,214 million, exceeding the recalculated comparable figure of ¥2,994,378 million at the end of the previous consolidated fiscal year and the amount disclosed in the previous quarter. Credit exposure continued to expand. - FY2019-Q2WorsenedAnnual report
「Undrawn loan commitments 3,235,841」
Undrawn loan commitments, including the shopping limits of the card business, amounted to ¥3,235,841 million, exceeding the recalculated comparable figure of ¥2,994,378 million at the end of the previous consolidated fiscal year. Credit exposure expanded. The disclosure also states that the full credit limit may not necessarily be drawn. - FY2019-Q1WorsenedAnnual report
「Undrawn loan commitments 3,078,626」
Following a change in the scope of disclosure to include the shopping limits of the card business in loan commitments, undrawn loan commitments amounted to ¥3,078,626 million. This exceeded the recalculated comparable figure of ¥2,994,378 million at the end of the previous consolidated fiscal year, indicating an expansion in credit exposure. - FY2018WorsenedAnnual report
「Undrawn loan commitments 426,258」
Undrawn loan commitments in the card and banking businesses increased from ¥261,696 million at the end of the previous period to ¥426,258 million. Following Japan Net Bank's inclusion as a consolidated subsidiary, the banking business's market, credit and liquidity risks were also added to the Group's risk areas. - FY2018-Q3WorsenedAnnual report
「Undrawn loan commitments 310,649」
Undrawn loan commitments for cash advances and other services attached to credit cards increased from ¥261,696 million at the end of March 2017 to ¥310,649 million, further expanding credit exposure. - FY2018-Q2WorsenedAnnual report
「Undrawn loan commitments 295,155」
Undrawn loan commitments for cash advances and other services attached to credit cards increased from ¥261,696 million at FY2017-end to ¥295,155 million, expanding credit exposure. - FY2018-Q1WorsenedAnnual report
「Undrawn loan commitments 278,912」
Undrawn loan commitments for cash advances and other services attached to credit cards increased from ¥261,696 million at the end of March 2017 to ¥278,912 million, expanding credit exposure. - FY2017WorsenedAnnual report
「Undrawn loan commitments 261,696」
Undrawn loan commitments for cash advances and other services attached to credit cards increased from ¥187,981 million at the end of the previous period to ¥261,696 million, further expanding credit exposure. - FY2017-Q3WorsenedAnnual report
「The Group's loan commitments primarily arise from cash advance services attached to credit cards, and the undrawn loan commitment balances are as follows.」
Undrawn cash advance commitments attached to credit cards increased from ¥187,981 million at the end of the previous consolidated fiscal year to ¥249,501 million. Credit exposure expanded in numerical terms. - FY2016First statedAnnual report
「Under the Financial Instruments and Exchange Act and other applicable laws and regulations, ワイジェイFX Co., Ltd. is required to maintain a ratio of at least 120%, calculated by dividing the amount of its non-fixed own capital (liquid assets) by the total of the amounts corresponding to the following 3 risks.」
The FX capital adequacy ratio, a 20% margin maintenance ratio, customer and counterparty credit risk, and foreign exchange fluctuations are disclosed.