Risk of Rising Non-Performing Loans and Credit-Related Expenses
First written in FY2024-Q3. 2 of 6 entries say "Mitigated", first in 2026-05-14. Latest entry: 2026-07-31.
The whole theme swung hardest in 2020: 24 of 45 companies on the "Worse" side.
21 other companies' latest entry also says "Mitigated".
- 2026-07-31MitigatedEarnings
「The ratio of disclosed claims under the Financial Reconstruction Act was 1.23%, or 1.13% assuming partial direct write-offs, remaining at a low level.」
The ratio of disclosed claims under the Financial Reconstruction Act declined from 1.26% at the end of March 2026 to 1.23% at the end of June 2026, while total disclosed claims decreased from ¥97.4 billion to ¥96.2 billion. - FY2026Annual update of non-performing loan amountsAnnual report
「Total: ¥101,682 million; ¥97,983 million」
Total claims under the Banking Act and other regulations declined from ¥101,682 million at March 2025 to ¥97,983 million at March 2026. Claims in bankruptcy and rehabilitation and similar claims, however, increased from ¥12,291 million to ¥16,118 million. - 2026-05-14MitigatedEarnings
「The ratio of disclosed claims under the Financial Reconstruction Act was 1.26%, or 1.15% assuming partial direct write-offs, remaining at a low level.」
京都銀行's standalone ratio of disclosed claims declined from 1.36% at the end of March 2025 to 1.26% at the end of March 2026, while total disclosed claims decreased from ¥101.1 billion to ¥97.4 billion. - FY2025Quantitative disclosure of non-performing loan amountsAnnual report
「Total: ¥97,612 million; ¥101,682 million」
Discloses total amounts of claims under the Banking Act and other regulations of ¥97,612 million at March 2024 and ¥101,682 million at March 2025. - FY2024RestatedAnnual report
「However, depending on trends in Japan’s economy, changes in real estate prices, the financial condition of borrowers to which our Group has extended loans, and changes in the global economic environment, our Group’s non-performing loans and credit-related costs may increase more than anticipated.」
Reiterates the credit risk factors and the possibility of increases in non-performing loans and credit-related costs. - FY2024-Q3First statedAnnual report
「Depending on trends in Japan’s economy, changes in real estate prices, the financial condition of borrowers to which our Group has extended loans, and changes in the global economic environment, our Group’s non-performing loans and credit-related costs may increase more than anticipated.」
Identifies economic conditions, real estate prices, borrowers and the global economy as credit risk factors.