Risk of an Increase in Non-Performing Loans and Loan-Loss Provisions
First written in FY2016. 20 of 45 entries say "Mitigated", first in FY2017-Q1. Latest entry: 2026-09-25.
Jimoto Holdings moved to the "Worse" side of this theme in 2020, the same year as the typical company in this theme.
The whole theme swung hardest in 2020: 23 of 44 companies on the "Worse" side.
21 other companies' latest entry also says "Mitigated".
- FY2026WorsenedAnnual report
「Claims on borrowers in bankruptcy or undergoing rehabilitation, and similar claims: ¥20,715 million; doubtful claims: ¥68,179 million; restructured loans: ¥3,517 million; total: ¥92,411 million」
Total credit-risk-monitored loans increased from ¥91,188 million at the end of the previous fiscal year to ¥92,411 million. Although doubtful claims and restructured loans partly decreased, claims on borrowers in bankruptcy or undergoing rehabilitation increased, and the credit-risk balance deteriorated on a full-year basis. - FY2026-H1WorsenedAnnual report
「Claims on borrowers in bankruptcy or undergoing rehabilitation, and similar claims: ¥18,206 million ¥15,062 million; doubtful claims: ¥69,379 million ¥73,903 million; restructured loans: ¥3,603 million ¥3,499 million; total: ¥91,188 million ¥92,465 million」
Total credit-risk-monitored loans increased from ¥91,188 million at the end of the previous fiscal year to ¥92,465 million. Claims on borrowers in bankruptcy or undergoing rehabilitation decreased, while doubtful claims increased, and the credit-risk balance deteriorated again. - FY2025Declining credit-risk balances alongside continued uncertainty about the futureAnnual report
「Claims on borrowers in bankruptcy or undergoing rehabilitation, and similar claims: ¥18,206 million; doubtful claims: ¥69,379 million; restructured loans: ¥3,603 million; total: ¥91,188 million. We recognize that there is a reasonable possibility that this risk will materialize as profitability deteriorates due to persistently high corporate prices and higher personnel costs resulting from wage increases.」
Total credit-risk-monitored loans decreased from ¥99,587 million in the previous fiscal year to ¥91,188 million, and the provision for loan losses also decreased to ¥1,988 million. Meanwhile, new emphasis has been placed on the risk of deteriorating profitability at small and medium-sized enterprises against the backdrop of US tariff policy, corporate prices and personnel costs. - FY2025-H1MitigatedAnnual report
「Claims on borrowers in bankruptcy or undergoing rehabilitation, and similar claims: ¥17,281 million; doubtful claims: ¥72,300 million; restructured loans: ¥3,488 million; total: ¥93,070 million」
Total risk-monitored loans decreased from ¥99,587 million at the end of March 2024 to ¥93,070 million. Credit risk has been quantified and continues to materialize as actual credit issues, but the latest balance has contracted. - FY2024WorsenedAnnual report
「Total: ¥99,587 million」
Total credit-risk-monitored loans increased from ¥73,386 million in the previous fiscal year to ¥99,587 million. Claims on borrowers in bankruptcy or undergoing rehabilitation amounted to ¥22,423 million, doubtful claims to ¥73,465 million, and the allowance for loan losses also increased. - FY2024-Q3WorsenedAnnual report
「Claims on borrowers in bankruptcy or undergoing rehabilitation, and similar claims: ¥9,768 million; doubtful claims: ¥60,956 million; restructured loans: ¥5,897 million; total: ¥76,622 million」
Total risk-monitored loans increased from ¥73,386 million at the end of March 2023 to ¥76,622 million, with doubtful claims and restructured loans also increasing. - FY2024-Q2WorsenedAnnual report
「Total ¥73,386 million ¥75,023 million」
Total risk-monitored loans increased from ¥73,386 million at the end of March 2023 to ¥75,023 million. Doubtful claims increased from ¥59,995 million to ¥62,371 million, and restructured loans increased from ¥5,202 million to ¥5,977 million. - FY2024-Q1WorsenedAnnual report
「Total ¥73,386 million ¥74,474 million」
Total risk-monitored loans increased from ¥73,386 million at the end of March 2023 to ¥74,474 million at the end of the current quarter. Restructured loans also increased. - FY2023WorsenedAnnual report
「The Group's ordinary expenses increased by ¥6,012 million year on year to ¥41,733 million, mainly because provisions were recognized for the sudden failure of a business partner at Kirayaka Bank and precautionary provisions were recognized to support local companies.」
The sudden failure of a business partner and precautionary provisions materialized, and the provision for loan losses amounted to ¥9,358 million. Total credit-risk-monitored loans increased from ¥52,270 million in the previous year to ¥73,386 million. - FY2023-Q3WorsenedAnnual report
「Due in part to the poor performance of a specific large borrower and the recognition of provisions related to that borrower」
Provisions continued to be recognized in response to the poor performance of a large borrower, and the provision for loan losses amounted to ¥3,789 million. Total risk-monitored loans also increased from ¥52,270 million at the end of the previous fiscal year to ¥60,571 million. - FY2023-Q2MaterialisedAnnual report
「Due in part to the poor performance of a specific large borrower at Kirayaka Bank and the recognition of provisions related to that borrower」
The poor performance of a large borrower materialized, and a ¥3,514 million provision for loan losses was recognized. Total risk-monitored loans also increased from ¥52,270 million to ¥58,263 million. - FY2023-Q1WorsenedAnnual report
「Total ¥52,270 million ¥53,290 million」
Total risk-monitored loans increased from ¥52,270 million at the end of the previous fiscal year to ¥53,290 million. Doubtful claims increased from ¥40,151 million to ¥41,493 million, indicating deterioration in the disclosed credit-risk figures. - FY2022WorsenedAnnual report
「Claims on borrowers in bankruptcy or undergoing rehabilitation, and similar claims: ¥4,424 million Doubtful claims: ¥40,151 million Restructured loans: ¥7,695 million Total: ¥52,270 million」
Total risk-monitored loans increased from ¥45,900 million in the previous fiscal year to ¥52,270 million. Doubtful claims and restructured loans also increased, indicating deterioration in the disclosed credit-risk figures. - FY2022-Q3WorsenedAnnual report
「Total ¥45,053 million ¥47,556 million」
Total risk-monitored loans increased from ¥45,053 million at the end of the previous consolidated fiscal year to ¥47,556 million. Loans to borrowers in legal bankruptcy, delinquent loans and restructured loans all increased, and a ¥792 million provision for loan losses was recognized. - FY2022-Q2WorsenedAnnual report
「Total ¥45,053 million ¥46,076 million」
Total risk-monitored loans increased from ¥45,053 million at the end of the previous consolidated fiscal year to ¥46,076 million. Problem loans and related exposures increased at both Kirayaka Bank and Sendai Bank. - FY2022-Q1Decline in monitored loans and recognition of a provision for loan lossesAnnual report
「Total ¥45,053 million ¥43,163 million Provision for loan losses ¥0 ¥483 million」
Total risk-monitored loans decreased from ¥45,053 million at the end of the previous fiscal year to ¥43,163 million, while loans to borrowers in legal bankruptcy increased from ¥673 million to ¥1,647 million and a ¥483 million provision for loan losses was recognized. Improvement and the emergence of credit costs coexisted. - FY2021-Q3WorsenedAnnual report
「Loans to borrowers in legal bankruptcy ¥737 million Delinquent loans ¥33,619 million Loans delinquent for 3 months or more ¥0 million Restructured loans ¥5,765 million Total ¥40,122 million」
Total risk-monitored loans increased from ¥36,895 million at the end of the previous fiscal year to ¥40,122 million. Delinquent loans and restructured loans also increased. - FY2021-Q2WorsenedAnnual report
「Total ¥36,895 million ¥38,910 million」
Total risk-monitored loans increased from ¥36,895 million at the end of March 2020 to ¥38,910 million. Additional provisions for loan losses were also recognized in light of the impact of the infectious disease. - FY2021-Q1WorsenedAnnual report
「Loans to borrowers in legal bankruptcy ¥811 million Delinquent loans ¥31,587 million Loans delinquent for 3 months or more ¥0 million Restructured loans ¥5,640 million Total ¥38,039 million」
Total risk-monitored loans increased from ¥36,895 million at the end of the previous fiscal year to ¥38,039 million. Delinquent loans and restructured loans also increased. - FY2020WorsenedAnnual report
「In addition, as a result of progress in resolving non-performing loans, the provision for loan losses increased by ¥283 million from the previous consolidated fiscal year to ¥1,573 million.」
The provision for loan losses increased by ¥283 million from the previous year. Total risk-monitored loans also increased from ¥36,351 million to ¥36,895 million, indicating higher costs for managing credit risk and deterioration in some indicators. - FY2020-Q3Decline in risk-monitored loans and recognition of a provision for loan lossesAnnual report
「Loans to borrowers in legal bankruptcy ¥1,128 million Delinquent loans ¥30,144 million Loans delinquent for 3 months or more ¥0 million Restructured loans ¥4,263 million Total ¥35,536 million」
Total risk-monitored loans decreased from ¥36,351 million at the end of the previous fiscal year to ¥35,536 million. Meanwhile, loans to borrowers in legal bankruptcy increased, and a ¥388 million provision for loan losses was recognized, indicating the coexistence of factors supporting improvement and deterioration. - FY2020-Q2MitigatedAnnual report
「Total ¥35,676 million」
Total risk-monitored loans decreased from ¥36,351 million at the end of March 2019 to ¥35,676 million. Loans to borrowers in legal bankruptcy increased from ¥519 million to ¥662 million, while delinquent loans and restructured loans decreased. Although the risk has been quantified, this does not indicate that an actual loss has occurred. - FY2020-Q1MitigatedAnnual report
「Loans to borrowers in legal bankruptcy ¥530 million Delinquent loans ¥30,823 million Loans delinquent for 3 months or more ¥0 million Restructured loans ¥4,206 million Total ¥35,560 million」
Total risk-monitored loans decreased from ¥36,351 million at the end of the previous fiscal year to ¥35,560 million, and the disclosed non-performing loan figures declined. - FY2019MitigatedAnnual report
「Loans to borrowers in legal bankruptcy: ¥519 million, delinquent loans: ¥31,526 million, loans delinquent for 3 months or more: ¥0 million, restructured loans: ¥4,305 million, total: ¥36,351 million」
Total risk-monitored loans decreased from ¥37,692 million at the end of the previous fiscal year to ¥36,351 million. Meanwhile, as a result of progress in resolving non-performing loans, the provision for loan losses amounted to ¥1,289 million. - FY2019-Q3MitigatedAnnual report
「Loans to borrowers in legal bankruptcy ¥775 million Delinquent loans ¥29,870 million Loans delinquent for 3 months or more ¥0 million Restructured loans ¥4,464 million Total ¥35,110 million」
Total risk-monitored loans decreased from ¥37,692 million at the end of the previous consolidated fiscal year to ¥35,110 million. Meanwhile, both loans to borrowers in legal bankruptcy and restructured loans increased. - FY2019-Q2MitigatedAnnual report
「Total: ¥35,418 million」
Total risk-monitored loans decreased from ¥37,692 million at the end of the previous consolidated fiscal year to ¥35,418 million, with the disclosed non-performing loan figures declining further. Although the risk has been quantified, this does not indicate that an actual loss has occurred. - FY2019-Q1MitigatedAnnual report
「Loans to borrowers in legal bankruptcy: ¥1,498 million, delinquent loans: ¥31,215 million, loans delinquent for 3 months or more: ¥0 million, restructured loans: ¥4,369 million, total: ¥37,083 million」
Total risk-monitored loans decreased from ¥37,692 million at the end of the previous fiscal year to ¥37,083 million. Meanwhile, loans to borrowers in legal bankruptcy increased from ¥615 million to ¥1,498 million. - FY2018MitigatedAnnual report
「Loans to borrowers in legal bankruptcy: ¥615 million, delinquent loans: ¥32,661 million, loans delinquent for 3 months or more: ¥0 million, restructured loans: ¥4,415 million, total: ¥37,692 million」
Total risk-monitored loans decreased from ¥44,009 million at the end of the previous fiscal year to ¥37,692 million. Restructured loans increased from ¥4,158 million to ¥4,415 million. - FY2018-Q3MitigatedAnnual report
「Loans to borrowers in legal bankruptcy ¥800 million Delinquent loans ¥34,161 million Loans delinquent for 3 months or more ¥0 million Restructured loans ¥3,351 million Total ¥38,312 million」
Total risk-monitored loans decreased from ¥44,009 million at the end of the previous consolidated fiscal year and ¥38,707 million in the previous quarter to ¥38,312 million, with the disclosed non-performing loan figures declining further. - FY2018-Q2MitigatedAnnual report
「Loans to borrowers in legal bankruptcy: ¥751 million Delinquent loans: ¥34,598 million Loans delinquent for 3 months or more: ¥0 million Restructured loans: ¥3,357 million Total: ¥38,707 million」
Total risk-monitored loans decreased from ¥44,009 million at the end of March 2017 to ¥38,707 million, with the disclosed non-performing loan figures declining further. - FY2018-Q1MitigatedAnnual report
「Loans to borrowers in legal bankruptcy: ¥833 million Delinquent loans: ¥37,877 million Loans delinquent for 3 months or more: ¥0 million Restructured loans: ¥3,363 million Total: ¥42,073 million」
Total risk-monitored loans decreased from ¥44,009 million at the end of March 2017 to ¥42,073 million, with the disclosed non-performing loan figures declining further. - FY2017MitigatedAnnual report
「Claims against bankrupt borrowers ¥853 million, delinquent loans ¥38,997 million, loans delinquent for 3 months or more ¥— million, loans with modified terms ¥4,158 million, total ¥44,009 million.」
Total risk-monitored loans decreased from ¥48,675 million at the end of the previous consolidated fiscal year to ¥44,009 million, improving the disclosed non-performing loan figures. - FY2017-Q3MitigatedAnnual report
「Claims against bankrupt borrowers ¥1,374 million, delinquent loans ¥39,612 million, loans delinquent for 3 months or more ¥— million, loans with modified terms ¥4,255 million, total ¥45,242 million」
Total risk-monitored loans decreased from ¥48,675 million at the end of the previous consolidated fiscal year to ¥45,242 million, and decreased slightly from ¥45,261 million in the previous quarter. - FY2017-Q2MitigatedAnnual report
「Claims against bankrupt borrowers ¥1,279 million, delinquent loans ¥39,701 million, loans delinquent for 3 months or more ¥— million, loans with modified terms ¥4,280 million, total ¥45,261 million」
Total risk-monitored loans decreased from ¥48,675 million at the end of the previous consolidated fiscal year to ¥45,261 million, and also decreased from the ¥47,904 million disclosed in the previous quarter. - FY2017-Q1MitigatedAnnual report
「Claims against bankrupt borrowers ¥2,018 million, delinquent loans ¥41,276 million, loans delinquent for 3 months or more ¥— million, loans with modified terms ¥4,610 million, total ¥47,904 million」
Total risk-monitored loans decreased from ¥48,675 million at the end of the previous consolidated fiscal year to ¥47,904 million. - FY2016First statedAnnual report
「Depending on domestic and overseas economic conditions, fluctuations in real estate and stock prices, and changes in the business conditions of the Group's customers, the Group's non-performing loans and credit-related expenses may increase.」
The company disclosed ¥2,308 million in claims against bankrupt borrowers, ¥41,650 million in delinquent loans, and ¥4,715 million in loans with modified terms.