Credit Risk and Increases in Non-Performing Loans and Credit-Related Expenses
First written in FY2023-Q3. 7 of 11 entries say "Worsened", first in FY2023. Latest entry: 2026-08-07.
Iyogin Holdings moved to the "Worse" side of this theme in 2023, 3 years after the typical company in this theme (2020).
The whole theme swung hardest in 2020: 25 of 47 companies on the "Worse" side.
22 other companies' latest entry also says "Mitigated".
- 2026-08-07MitigatedEarnings
「Non-performing loans under the Financial Reconstruction Law disclosure standards amounted to ¥101.7 billion, and the disclosed non-performing loan ratio remained low at 1.58%.」
Disclosed non-performing loans declined from ¥102.0 billion at the end of March 2026 to ¥101.7 billion, and the disclosed non-performing loan ratio was 1.58%. - FY2026WorsenedAnnual report
「Credit costs increased by ¥5,976 million from the previous fiscal year to ¥7,816 million, mainly because the cost of disposing of non-performing loans increased as bankruptcies, credit-rating downgrades, and other events increased.」
Credit costs increased from ¥1,840 million in the previous fiscal year to ¥7,816 million, and the subtotal of disclosed claims also increased from ¥9,482.4 million to ¥10,207.9 million. - 2026-05-08WorsenedEarnings
「Credit costs (△) 7,816 ＋5,976 1,840」
Credit costs increased from ¥1.840 billion in the previous fiscal year to ¥7.816 billion, while total disclosed non-performing loans increased from ¥94.8 billion to ¥102.0 billion. - FY2026-H1WorsenedAnnual report
「Subtotal ¥94,824 million ¥101,909 million」
The subtotal of disclosed claims and other claims under the Banking Act and other legislation increased from ¥9,482.4 million at the end of March 2025 to ¥10,190.9 million at the end of September 2025. On a non-consolidated basis, bankrupt and reorganization claims and similar claims increased from ¥3.0 billion to ¥9.5 billion, while doubtful claims increased from ¥71.5 billion to ¥77.5 billion. The company also states that no new risks or material changes have arisen in its business and other risks. - FY2025-H1MitigatedAnnual report
「Subtotal ¥97,639 million ¥94,625 million」
The subtotal of disclosed claims and other claims declined from ¥9,763.9 million at the end of March 2024 to ¥9,462.5 million at the end of September 2024. Doubtful claims also declined from ¥7,311.8 million to ¥7,289.2 million, while claims requiring management declined from ¥2,062.9 million to ¥1,841.0 million. - FY2024WorsenedAnnual report
「Credit costs increased by ¥5,383 million from the previous fiscal year to ¥2,785 million, mainly because reversals of provisions for general loan losses declined as provision rates rose, while the cost of disposing of non-performing loans increased due to a rise in bankruptcies and other factors.」
While the subtotal of disclosed claims declined slightly from ¥9,821.8 million to ¥9,763.9 million, doubtful claims increased from ¥6,987.8 million to ¥7,311.8 million, and credit costs also increased. - FY2024-Q3WorsenedAnnual report
「Subtotal ¥98,218 million ¥100,284 million」
The subtotal of disclosed claims and other claims under the Financial Revitalization Law and the Financial Functions Revitalization Law increased from ¥9,821.8 million at the end of March 2023 to ¥10,028.4 million at the end of December 2023. - FY2024-Q2RestatedAnnual report
「Subtotal ¥98,190 million」
The subtotal of disclosed claims and other claims declined from ¥98,218 million at the end of March 2023 to ¥98,190 million, leaving the total broadly unchanged. The company states that no new risks or material changes arose during the second quarter. - FY2024-Q1WorsenedAnnual report
「Subtotal ¥102,110 million」
Claims disclosed under the Financial Revitalization Law and the Banking Act increased from ¥98,218 million at the previous fiscal year-end to ¥102,110 million. Provision for loan losses of ¥2,131 million was also recorded in the first quarter. - FY2023WorsenedAnnual report
「Claims disclosed under the Financial Revitalization Law and risk-management claims increased by ¥9.0 billion from the previous fiscal year-end to ¥98.2 billion. The ratio of claims disclosed under the Financial Revitalization Law and risk-management claims to loans and other assets remained low at 1.75%.」
The amount of disclosed claims increased, and the ratio also rose from 1.66% to 1.75%. The company nevertheless states that it remained at a low level. - FY2023-Q3First statedAnnual report
「If economic conditions in Japan and overseas, real estate prices, stock prices, exchange rates, or the financial condition of borrowers fluctuate significantly, the Group's non-performing loans and credit-related costs may increase.」
The Group recognizes fluctuations in economic conditions, asset prices, exchange rates, and borrowers' circumstances as the main factors driving credit risk.