Credit Risk of Loans to Individuals and Corporates and Securitized Assets
First written in FY2023. 10 of 11 entries say "Worsened", first in FY2024-Q2. Latest entry: 2026-08-06.
No other company in this theme has enough history to compare yet.
- 2026-08-06WorsenedEarnings
「危険債権 2,504 4,033 3,773 要管理債権 3,033 4,189 3,816」
2026年６月末の危険債権と要管理債権の合計は8,222百万円となり、2026年３月末の7,589百万円から増加した。 - FY2026WorsenedAnnual report
「Dangerous claims: ¥3,773 million; claims overdue by 3 months or more: ¥1,950 million; restructured loans: ¥2,043 million; total: ¥7,769 million」
The total amount of disclosed claims related to credit risk increased from ¥4,528 million at the end of March 2025 to ¥7,769 million, while the allowance for loan losses also increased from ¥6,214 million to ¥9,564 million. - FY2026-H1WorsenedAnnual report
「Risk claims ¥2,713 million, claims past due 3 months or more ¥1,604 million, restructured loans ¥1,795 million, total ¥6,115 million」
The total amount of disclosed claims related to credit risk increased from ¥4,528 million at the end of March 2025 to ¥6,115 million, with increases in all three categories: dangerous claims, claims overdue by 3 months or more, and restructured loans. The allowance for loan losses also increased from ¥6,214 million to ¥7,502 million. - FY2025WorsenedAnnual report
「Risk claims ¥2,159 million, claims past due 3 months or more ¥930 million, restructured loans ¥1,437 million, total ¥4,528 million」
Total disclosed claims increased from ¥3,074 million in the previous fiscal year to ¥4,528 million, while the loan-loss allowance also increased from ¥3,756 million to ¥6,214 million. - FY2025-H1WorsenedAnnual report
「Risk claims ¥1,557 million, claims past due 3 months or more ¥934 million, restructured loans ¥1,090 million, total ¥3,582 million」
Total disclosed claims related to credit risk increased from ¥3,074 million at the end of March 2024 to ¥3,582 million, while the loan-loss allowance also increased from ¥3,756 million to ¥4,843 million. - FY2024WorsenedAnnual report
「Risk claims ¥1,360 million, claims past due 3 months or more ¥815 million, restructured loans ¥897 million, total ¥3,074 million」
Total disclosed claims related to credit risk increased from ¥2,218 million at the end of the previous fiscal year to ¥3,074 million, while the loan-loss allowance also increased from ¥2,156 million to ¥3,756 million. - FY2024-Q3WorsenedAnnual report
「Risk claims | 1,104 | 1,349 Claims past due 3 months or more | 630 | 891 Restructured loans | 482 | 720 Total | 2,218 | 2,964」
Total disclosed claims related to credit risk increased from ¥2,218 million at the end of the previous fiscal year to ¥2,964 million, while risk claims, claims past due 3 months or more and restructured loans also increased. - FY2024-Q2WorsenedAnnual report
「Risk claims | 1,104 | 1,363 Claims past due 3 months or more | 630 | 762 Restructured loans | 482 | 592 Total | 2,218 | 2,722」
Total disclosed claims related to credit risk increased from ¥2,218 million at the end of the previous fiscal year to ¥2,722 million, while risk claims, claims past due 3 months or more and restructured loans also increased. - FY2023First statedAnnual report
「Our banking group holds loan claims against individual and corporate customers, securities such as government and corporate bonds, and trust beneficiary rights backed by monetary claims inside and outside the Rakuten Group.」
The company identifies declines in the creditworthiness of debtors, issuers and securitized underlying assets, increases in loan-loss allowances and declines in securities prices as risks.