Expansion of Lending Deals Using Collateral Valuations and Prudent Underwriting
First written in FY2016. 20 of 38 entries say "Advanced", first in FY2019-Q1. Latest entry: FY2026.
2 other companies' latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「As a result, new loans of ¥4,064 million less collections of ¥1,788 million resulted in ¥3,238 million, up 236.5% from the end of the previous fiscal year,」
The company originated new loans based on prudent credit and collateral screening, resulting in a significant increase in the balance of loans receivable from lending operations. - FY2026-H1AdvancedAnnual report
「During the interim consolidated accounting period, loans receivable from lending operations amounted to ¥3.205 billion, up 233.0% from the end of the previous fiscal year, following ¥2.535 billion in new loans and ¥292 million in collections.」
While continuing its short-term lending and prudent screening policies, the company originated ¥2.535 billion in new loans and collected ¥292 million, expanding the balance of loans receivable from lending operations to ¥3.205 billion, up 233.0% from the end of the previous fiscal year. - FY2025Significant decline in loans receivable from lending operations due to collections exceeding new loans, and collection of claims in bankruptcy and rehabilitation proceedingsAnnual report
「During the fiscal year, loans receivable from lending operations amounted to ¥962 million, down 79.6% from the end of the previous fiscal year, following ¥3.352 billion in new loans and ¥7.118 billion in collections. In addition, the company collected ¥152 million in claims in bankruptcy and rehabilitation proceedings that had been transferred from loans receivable from lending operations during the previous fiscal year.」
Collections significantly exceeded new loans, reducing the balance of loans receivable from lending operations to ¥962 million. In addition, the company collected ¥152 million in claims in bankruptcy and rehabilitation proceedings. - FY2025-H1Decline in loans receivable from lending operations due to collections exceeding new loans, and collection of claims in bankruptcy and rehabilitation proceedingsAnnual report
「During the interim consolidated accounting period, loans receivable from lending operations amounted to ¥4.573 billion, down 3.3% from the end of the previous fiscal year, following ¥2.36 billion in new loans and ¥2.515 billion in collections. In addition, the company collected ¥152 million in claims in bankruptcy and rehabilitation proceedings that had been transferred from loans receivable from lending operations during the previous fiscal year.」
While continuing its short-term lending and prudent screening policies, collections exceeded new loans, and the balance of loans receivable from lending operations declined to ¥4.573 billion, down 3.3% from the end of the previous fiscal year. In addition, the company collected ¥152 million in claims in bankruptcy and rehabilitation proceedings. - FY2024Decrease in the balance of loans receivable due to collections and transfers exceeding new lendingAnnual report
「During the fiscal year, loans receivable from lending operations amounted to ¥4.728 billion, down 2.7% from the end of the previous fiscal year, following ¥3.114 billion in new loans and ¥3.245 billion in collections and transfers.」
While continuing its short-term lending and prudent screening policies, collections and transfers exceeded new loans, and the balance of loans receivable from lending operations declined to ¥4.728 billion, down 2.7% from the end of the previous fiscal year. - FY2024-Q3Decline in loans receivable from lending operations due to collections exceeding new loansAnnual report
「During the cumulative third quarter of the fiscal year, loans receivable from lending operations amounted to ¥4.466 billion, down 8.1% from the end of the previous fiscal year, following ¥1.504 billion in new loans and ¥1.898 billion in collections.」
While continuing its policy of focusing on short-term loans and carefully evaluating profitability, collateral value and collectibility, collections exceeded new loans, and the balance of loans receivable from lending operations declined to ¥4.466 billion, down 8.1% from the end of the previous fiscal year. - FY2024-Q2AdvancedAnnual report
「During the cumulative second quarter of the fiscal year, loans receivable from lending operations amounted to ¥5.215 billion, up 7.3% from the end of the previous fiscal year, following ¥1.317 billion in new loans and ¥961 million in collections.」
While continuing its policy of focusing on short-term loans and carefully evaluating profitability, collateral value and collectibility, the company originated ¥1.317 billion in new loans and collected ¥961 million. The balance of loans receivable from lending operations rose to ¥5.215 billion, up 7.3% from the end of the previous fiscal year. - FY2024-Q1AdvancedAnnual report
「During the cumulative first quarter of the fiscal year, loans receivable from lending operations amounted to ¥4.889 billion, up 0.6% from the end of the previous fiscal year, following ¥445 million in new loans and ¥415 million in collections.」
While continuing its short-term lending and prudent screening policies, the company originated ¥445 million in new loans and collected ¥415 million, resulting in a slight increase in the balance of loans receivable from lending operations to ¥4.889 billion. - FY2023Decrease in the balance of loans receivable due to collections and transfers exceeding new lendingAnnual report
「During the fiscal year, loans receivable from lending operations amounted to ¥4.859 billion, down 17.8% from the end of the previous fiscal year, following ¥3.444 billion in new loans and ¥4.496 billion in collections and transfers.」
Collections and transfers of ¥4.496 billion exceeded new loans of ¥3.444 billion, and the balance of loans receivable from lending operations declined to ¥4.859 billion, down 17.8% from the end of the previous fiscal year. - FY2023-Q3Decrease in the balance of loans receivable due to collections and transfers exceeding new lendingAnnual report
「Because the company focuses mainly on short-term loans with maturities of one year or less, loans receivable from lending operations may decline significantly during the period as loans are repaid. During the cumulative third quarter of the fiscal year, loans receivable from lending operations amounted to ¥5.107 billion, down 13.6% from the end of the previous fiscal year, following ¥2.872 billion in new loans and ¥3.676 billion in collections and transfers.」
While continuing to focus on short-term loans with maturities of one year or less and conduct prudent screening, collections and transfers of ¥3.676 billion exceeded new loans of ¥2.872 billion, and the balance of loans receivable from lending operations declined to ¥5.107 billion. - FY2023-Q2Decrease in the balance of loans receivable due to collections and transfers exceeding new lendingAnnual report
「Because the company focuses mainly on short-term loans with maturities of one year or less, loans receivable from lending operations may decline significantly during the period as loans are repaid. During the cumulative second quarter of the fiscal year, loans receivable from lending operations amounted to ¥5.406 billion, down 8.5% from the end of the previous fiscal year, following ¥2.053 billion in new loans and ¥2.557 billion in collections and transfers.」
While continuing to focus on short-term loans with maturities of one year or less, collections and transfers of ¥2.557 billion exceeded new loans of ¥2.053 billion, and the balance of loans receivable from lending operations declined to ¥5.406 billion. - FY2023-Q1Decline in loans receivable from lending operations due to collections exceeding new loans and other factorsAnnual report
「During the cumulative first quarter of the fiscal year, loans receivable from lending operations amounted to ¥5.134 billion, down 13.1% from the end of the previous fiscal year, following ¥970 million in new loans, ¥1.147 billion in collections and the transfer of some loans to short-term loans outside the lending operations.」
While maintaining its policy of carefully evaluating profitability, collateral value and collectibility, the balance of loans receivable from lending operations declined because collections exceeded new loans and some loans were transferred to short-term loans. - FY2022AdvancedAnnual report
「During the fiscal year, loans receivable from lending operations amounted to ¥5.911 billion, up 79.8% from the end of the previous fiscal year, following ¥10.464 billion in new loans and ¥7.839 billion in collections.」
While focusing mainly on short-term loans and continuing its screening process, the company originated ¥10.464 billion in new loans and collected ¥7.839 billion. The balance of loans receivable from lending operations rose to ¥5.911 billion, up 79.8% from the end of the previous fiscal year. - FY2022-Q3AdvancedAnnual report
「In this business segment, the company carefully evaluates profitability, collateral value and other factors, and proceeds only after carefully examining collectibility and other considerations. Because it focuses mainly on short-term loans with maturities of one year or less, loans receivable from lending operations may decline significantly during the period as loans are repaid. During the cumulative third quarter of the fiscal year, loans receivable from lending operations amounted to ¥6.126 billion, up 86.4% from the end of the previous fiscal year, following ¥7.773 billion in new loans and ¥4.935 billion in collections.」
The company expanded the balance of loans receivable from lending operations to ¥6.126 billion while carefully evaluating profitability, collateral value and collectibility and maintaining its policy of focusing mainly on short-term loans with maturities of one year or less. - FY2022-Q2AdvancedAnnual report
「Because the company focuses mainly on short-term loans with maturities of one year or less, loans receivable from lending operations may decline significantly during the period as loans are repaid. During the cumulative second quarter of the fiscal year, loans receivable from lending operations amounted to ¥5.049 billion, up 53.6% from the end of the previous fiscal year, following ¥4.562 billion in new loans and ¥2.8 billion in collections.」
The company continued to focus on short-term loans with maturities of one year or less and to conduct prudent screening. As a result of originating ¥4.562 billion in new loans and collecting ¥2.8 billion, the balance of loans receivable from lending operations rose to ¥5.049 billion, up 53.6% from the end of the previous fiscal year. - FY2022-Q1AdvancedAnnual report
「During the three months ended the first quarter of the current consolidated fiscal year, operating loan receivables amounted to ¥4,388 million, up 33.5% from the end of the previous fiscal year, due to new loans of ¥2,625 million, collections of ¥1,474 million and, among other factors, the transfer of ¥49 million in claims subject to civil rehabilitation proceedings to bankruptcy and reorganisation claims.」
While continuing its rigorous screening policy, the company originated new loans of ¥2,625 million and collected ¥1,474 million. The balance of operating loan receivables was ¥4,388 million, up 33.5% from the end of the previous fiscal year. - FY2021AdvancedAnnual report
「During the current consolidated fiscal year, operating loan receivables increased to ¥3,287 million, up 9.3% from the end of the previous fiscal year, due to new loans of ¥7,859 million, collections of ¥7,577 million and a net increase of ¥282 million.」
The company continued its short-term lending business and rigorous screening. Following new loans of ¥7,859 million and collections of ¥7,577 million, the balance of operating loan receivables was ¥3,287 million. - FY2021-Q3AdvancedAnnual report
「During the nine months ended the third quarter of the current consolidated fiscal year, operating loan receivables amounted to ¥3,301 million, up 9.9% from the end of the previous fiscal year, due to new loans of ¥3,499 million and collections of ¥3,202 million.」
While continuing to focus on short-term loans with terms of up to 1 year and rigorous screening, the company originated new loans of ¥3,499 million and collected ¥3,202 million. The balance of operating loan receivables was ¥3,301 million, up 9.9% from the end of the previous fiscal year. - FY2021-Q2AdvancedAnnual report
「During the six months ended the second quarter of the current consolidated fiscal year, operating loan receivables amounted to ¥3,100 million, up 3.2% from the end of the previous fiscal year, due to new loans of ¥2,105 million and collections of ¥2,010 million.」
While continuing to focus on short-term loans and rigorous screening, the company originated new loans of ¥2,105 million and collected ¥2,010 million. The balance of operating loan receivables was ¥3,100 million, up 3.2% from the end of the previous fiscal year. - FY2021-Q1Decrease in the balance due to collections of short-term loansAnnual report
「Because we mainly provide short-term loans with terms of up to 1 year, operating loan receivables may decline significantly during the period as loans are repaid. During the three months ended the first quarter of the current consolidated fiscal year, operating loan receivables declined to ¥2,265 million, down 24.6% from the end of the previous fiscal year, due to new loans of ¥970 million and collections of ¥1,710 million.」
While continuing to focus on short-term loans with terms of up to 1 year, collections exceeded new loans, and the balance of operating loan receivables declined to ¥2,265 million, down 24.6% from the end of the previous fiscal year. - FY2020AdvancedAnnual report
「During the current consolidated fiscal year, operating loan receivables increased to ¥3,005 million, up 95.0% from the end of the previous fiscal year, due to new loans of ¥5,301 million, collections of ¥3,837 million and a net increase of ¥1,464 million.」
The company continued its short-term lending business and rigorous screening. New loans of ¥5,301 million, collections of ¥3,837 million and a net increase of ¥1,464 million expanded the balance of operating loan receivables to ¥3,005 million. - FY2020-Q3AdvancedAnnual report
「In this business segment, we carefully assess profitability, collateral value and other factors and proceed only after carefully examining collectibility and other considerations. Because we mainly provide short-term loans with terms of up to 1 year, the balance of operating loan receivables fluctuates during the period. During the nine months ended the third quarter of the current consolidated fiscal year, operating loan receivables increased to ¥3,389 million, up 120.0% from the end of the previous fiscal year, due to new loans of ¥4,611 million, collections of ¥2,762 million and a net increase of ¥1,848 million.」
The company carefully examined profitability, collateral value and collectibility and continued its business model centered on short-term loans with terms of up to 1 year. New loans of ¥4,611 million, collections of ¥2,762 million and a net increase of ¥1,848 million brought the balance of operating loan receivables to ¥3,389 million, up 120.0% from the end of the previous fiscal year. - FY2020-Q2AdvancedAnnual report
「In this business segment, we carefully assess profitability, collateral value and other factors and proceed only after carefully examining collectibility and other considerations. Because we mainly provide short-term loans with terms of up to 1 year, the balance of operating loan receivables fluctuates during the period. During the six months ended the second quarter of the current consolidated fiscal year, operating loan receivables increased to ¥3,596 million, up 133.4% from the end of the previous fiscal year, due to new loans of ¥3,771 million, collections of ¥1,716 million and a net increase of ¥2,055 million.」
The company continued its short-term lending business and rigorous screening. New loans of ¥3,771 million, collections of ¥1,716 million and a net increase of ¥2,055 million expanded the balance of operating loan receivables to ¥3,596 million. - FY2020-Q1AdvancedAnnual report
「In the previous consolidated fiscal year, the partial business transfer of one borrower was completed in March 2019, and the full amount of its operating loan receivable, ¥2,487 million, was collected. As a result, operating loan receivables had declined to ¥1,541 million at the end of the previous consolidated fiscal year. During the first quarter of the current consolidated fiscal year, new loans of ¥1,500 million increased operating loan receivables to ¥3,041 million, up 97.3% from the end of the previous fiscal year.」
The company collected the full ¥2,487 million following a partial business transfer by a borrower, while originating ¥1,500 million in new loans during the quarter. The balance of operating loan receivables therefore rose to ¥3,041 million, up 97.3% from the end of the previous fiscal year. - FY2019ReframedAnnual report
「The moneylending business is based on short-term lending to pachinko hall operators and other high-quality operating companies. We assess not only real estate but also enterprise value, establish appropriate safeguards and continue lending with the utmost care, as before.」
The company has expanded its explanation from a focus on conventional collateral valuation to a short-term lending policy that assesses enterprise value in addition to real estate and establishes appropriate safeguards. - FY2019-Q3AdvancedAnnual report
「In the moneylending business, the balance of loans receivable at the end of the third quarter of the current consolidated fiscal year was ¥3,297 million, up 90.1% from the end of the previous fiscal year. In this business segment, we have been undertaking new transactions after carefully assessing profitability, collectibility and other factors. Revenue was ¥270 million, up 166.4% year on year, and segment profit was ¥174 million, up 224.7%.」
The company continues to undertake new transactions after carefully assessing profitability and collectibility. The balance of loans receivable increased to ¥3,297 million, up 90.1% from the end of the previous fiscal year. Revenue in the moneylending business was ¥270 million, and segment profit was ¥174 million. - FY2019-Q2AdvancedAnnual report
「In the moneylending business, the balance of loans receivable at the end of the second quarter of the current consolidated fiscal year was ¥4,015 million, up 131.5% from the end of the previous fiscal year. In this business segment, we have been undertaking new transactions after carefully assessing profitability, collectibility and other factors,」
The balance of loans receivable increased to ¥4,015 million, up 131.5% from the end of the previous fiscal year. The company continues to undertake new transactions after carefully assessing profitability and collectibility. - FY2019-Q1AdvancedAnnual report
「In the moneylending business, the balance of loans receivable at the end of the first quarter of the current consolidated fiscal year was ¥3,635 million, up 109.6% from the end of the previous fiscal year.」
The balance of loans receivable increased to ¥3,635 million, up 109.6% from the end of the previous fiscal year, expanding the scale of the moneylending business. The company also continues its policy of initiating new transactions after carefully assessing profitability and collectibility. - FY2018-Q3RestatedAnnual report
「In this business segment, we undertake transactions after carefully assessing profitability, collectibility and other factors. As a result, revenue was ¥101 million, down 27.3% year on year, and segment profit was ¥80 million, down 30.0%.」
The company continues its policy of carefully assessing the profitability and collectibility of lending deals. Revenue for the nine months ended the third quarter was ¥101 million, and segment profit was ¥80 million. - FY2018-Q2RestatedAnnual report
「In this business segment, we undertake transactions after carefully assessing profitability, collectibility and other factors.」
The company continues its policy of carefully assessing the profitability and collectibility of lending deals. The balance of loans receivable was reported at ¥1,571 million, down 8.3% from the end of the previous fiscal year. - FY2018-Q1RestatedAnnual report
「In this business segment, in addition to real estate collateral, our strength lies in being able to value as collateral the movable assets held by pachinko hall operators, including gaming machines, which are considered difficult for banks and other financial institutions to handle. We execute lending deals that meet the needs of pachinko hall operators and also undertake lending deals for businesses outside the pachinko industry after carefully assessing their profitability, collectibility and other factors.」
The company continues its policy of executing lending deals using the collateral valuation of real estate and movable assets while carefully assessing profitability and collectibility. - FY2017RestatedAnnual report
「Our strength lies in being able to value as collateral the movable assets held by pachinko hall operators, including gaming machines, which are considered difficult for banks and other financial institutions to handle. In addition to actively pursuing lending deals for pachinko hall operators, we also undertake lending deals for businesses in other industries after carefully assessing their profitability, collectibility and other factors. As a result, revenue was ¥174 million, down 5.7% year on year, and segment profit was ¥156 million, up 5.0%.」
The company continues its policy of lending based on its strength in collateral valuation and carefully screening profitability and collectibility. Full-year revenue was ¥174 million, and segment profit was ¥156 million. - FY2017-Q3RestatedAnnual report
「Our strength lies in being able to value as collateral the movable assets held by pachinko hall operators, including gaming machines, which are considered difficult for banks and other financial institutions to handle. In addition to actively pursuing lending deals for pachinko hall operators, we also undertake lending deals for businesses in other industries after carefully assessing their profitability, collectibility and other factors. As a result, revenue was ¥139 million, down 5.2% year on year, and segment profit was ¥125 million, up 9.1%.」
The company continues its policy of lending using collateral valuation and carefully screening profitability and collectibility. Revenue for the nine months ended the third quarter was ¥139 million, and segment profit was ¥125 million. - FY2017-Q2RestatedAnnual report
「Our strength lies in being able to value as collateral the movable assets held by pachinko hall operators, including gaming machines, which are considered difficult for banks and other financial institutions to handle. In addition to actively pursuing lending deals for pachinko hall operators, we also undertake lending deals for businesses in other industries after carefully assessing their profitability, collectibility and other factors. As a result, revenue was ¥101 million, down 0.7% year on year, and segment profit was ¥88 million, up 12.5%.」
The company continues its policy of lending using collateral valuation and carefully screening profitability and collectibility. For the six months ended the second quarter, the moneylending business recorded revenue of ¥101 million and segment profit of ¥88 million. - FY2017-Q1RestatedAnnual report
「Our strength lies in being able to value as collateral the movable assets held by pachinko hall operators, including gaming machines, which are considered difficult for banks and other financial institutions to handle. In addition to actively pursuing lending deals for pachinko hall operators, we also undertake lending deals for businesses in other industries after carefully assessing their profitability, collectibility and other factors. As a result, revenue was ¥52 million, up 5.2% year on year, and segment profit was ¥46 million, up 18.7%.」
The company continues its policy of lending based on its strength in collateral valuation and screening profitability and collectibility. Quarterly results were revenue of ¥52 million and segment profit of ¥46 million, with no new targets or changes in initiatives indicated. - FY2016First statedAnnual report
「Our strength lies in being able to value as collateral the movable assets held by pachinko hall operators, including gaming machines, which are considered difficult for banks and other financial institutions to handle. In addition to actively pursuing lending deals for pachinko hall operators, we also undertake lending deals for businesses in other industries after carefully assessing their profitability, collectibility and other factors.」
The company screens profitability and collectibility while leveraging its strength in valuing assets related to pachinko halls as collateral.