Increase in Non-Performing Loans and Credit Costs Due to Economic Conditions, Real Estate Prices, etc.
First written in FY2016. 17 of 35 entries say "Worsened", first in FY2017-Q2. Latest entry: 2026-08-07.
Kyushu Financial Group 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: 24 of 45 companies on the "Worse" side.
20 other companies' latest entry also says "Worsened".
- 2026-08-07WorsenedEarnings
「Disclosed claims under the Financial Reconstruction Law (A) 1,587 62 1,524 1,488 Ratio to total credit (A)÷(B) 1.64% 0.03% 1.61% 1.63%」
Disclosed claims under the Financial Reconstruction Law for the two banks combined increased to ¥158.7 billion at the end of June 2026 from ¥152.4 billion at the end of March 2026, while the ratio to total credit rose from 1.61% to 1.64%. - FY2026WorsenedAnnual report
「Claims against borrowers in legal bankruptcy and similar claims: ¥24,700 million; dangerous loans: ¥69,120 million; loans past due for 3 months or more: ¥22 million; restructured loans: ¥61,719 million; total: ¥155,561 million」
The consolidated total of risk-monitored loans increased from ¥151,742 million in the previous fiscal year to ¥155,561 million. Their ratio to total credit was 1.61% for the two banks combined, unchanged from the previous year, although restructured loans increased. - 2026-05-14WorsenedEarnings
「Disclosed claims under the Financial Reconstruction Law (A) 152,482 5,050 3,715 147,431 148,766」
Disclosed claims under the Financial Reconstruction Law for the two banks combined increased to ¥152,482 million from ¥148,766 million at the end of the previous fiscal year. Credit-related costs also increased to ¥4,772 million from ¥2,367 million in the previous fiscal year. - FY2026-H1MitigatedAnnual report
「Total ¥151,742 million ¥150,411 million」
The consolidated total of risk-monitored loans declined from ¥15,174.2 million at the end of March 2025 to ¥15,041.1 million at the end of September 2025. - FY2025MitigatedAnnual report
「Disclosed claims under the Financial Revitalization Law (A) declined from ¥15.22 billion on 31 March 2024 to ¥14.87 billion on 31 March 2025, while their ratio to total credit declined from 1.69% to 1.61%.」
Disclosed claims under the Financial Revitalization Law and their ratio to total credit declined from the previous fiscal year. The total disclosed claims on the consolidated balance sheet also declined from ¥15,478 million to ¥15,174.2 million. - FY2025-H1MitigatedAnnual report
「Claims against borrowers in legal bankruptcy and similar claims ¥19,206 million ¥20,029 million Dangerous loans ¥79,769 million ¥79,133 million Loans past due for 3 months or more ¥2 million ¥35 million Restructured loans ¥55,730 million ¥51,722 million Total ¥154,708 million ¥150,922 million」
The consolidated total of risk-monitored loans declined from ¥154,708 million at the end of March 2024 to ¥150,922 million at the end of September 2024. Claims against borrowers in legal bankruptcy and loans past due for 3 months or more increased, but the decline in dangerous loans and restructured loans reduced consolidated credit risk exposure overall. - FY2024-Q3WorsenedAnnual report
「Claims against borrowers in legal bankruptcy and similar claims ¥16,075 million ¥18,022 million Dangerous loans ¥87,386 million ¥80,784 million Loans past due for 3 months or more ¥8 million ¥49 million Restructured loans ¥46,307 million ¥56,277 million Total ¥149,776 million ¥155,134 million」
The total of risk-monitored loans increased by ¥535.8 million, from ¥149,776 million at the end of March 2023 to ¥155,134 million at the end of December 2023. Provisioning for loan losses of ¥1,506 million was also recorded, quantifying credit risk exposure and credit costs. - FY2024-Q2MitigatedAnnual report
「Total ¥149,776 million ¥147,615 million」
The consolidated total of risk-monitored loans declined from ¥14,977.6 million at the end of March 2023 to ¥14,761.5 million at the end of September 2023. Although dangerous loans and loans requiring monitoring increased at Kagoshima Bank, consolidated credit risk exposure declined overall. - FY2024-Q1WorsenedAnnual report
「Claims against borrowers in legal bankruptcy and similar claims: ¥16,528 million; dangerous loans: ¥85,606 million; loans past due for 3 months or more: ¥212 million; restructured loans: ¥49,040 million; total: ¥151,388 million.」
The total of risk-monitored loans increased from ¥149,776 million at the end of March 2023 to ¥151,388 million at the end of June 2023. Credit risk exposure expanded quarter on quarter. The risk had materialized as a quantified outcome. - FY2023MitigatedAnnual report
「Disclosed claims under the Financial Revitalization Law (A) declined from ¥15.57 billion on 31 March 2022 to ¥14.70 billion on 31 March 2023, while their ratio to total credit declined from 1.95% to 1.70%.」
The amount of disclosed non-performing loans and their ratio to total credit declined from the previous fiscal year. Provisioning for loan losses also declined from ¥847.2 million in the previous fiscal year to ¥84.1 million. - FY2023-Q3MitigatedAnnual report
「Total ¥158,849 million ¥150,069 million」
The consolidated total of risk-monitored loans declined from ¥15,884.9 million at the end of March 2022 to ¥15,006.9 million at the end of December 2022. It also declined from ¥15,328.8 million at the end of the previous interim period, indicating lower consolidated credit risk exposure. - FY2023-Q2MitigatedAnnual report
「Total ¥158,849 million ¥150,548 million」
The consolidated total of risk-monitored loans declined from ¥15,884.9 million at the end of March 2022 to ¥15,054.8 million at the end of September 2022. Some categories increased, including dangerous loans at Higo Bank, which rose from ¥3.74 billion to ¥3.89 billion, and loans at Kagoshima Bank, which stood at approximately ¥4.25 billion. Although the breakdown was not uniformly lower, consolidated credit risk exposure declined overall. - FY2023-Q1WorsenedAnnual report
「Total ¥158,849 million ¥159,402 million」
The total of risk-monitored loans increased from ¥15,884.9 million at the end of March 2022 to ¥15,940.2 million at the end of June 2022. Provisioning for loan losses also increased from ¥62.8 million in the same period of the previous year to ¥79.1 million. - FY2022-Q3WorsenedAnnual report
「Total ¥150,534 million ¥152,147 million」
The total of risk-monitored loans increased from ¥15,053.4 million at the end of March 2021 to ¥15,214.7 million at the end of December 2021. It declined from ¥15,328.8 million at the end of the previous quarter, indicating higher credit risk exposure than at the fiscal year-end but lower exposure quarter on quarter. - FY2022-Q2WorsenedAnnual report
「The total of loans to borrowers in legal bankruptcy, past-due loans, loans past due for 3 months or more, and restructured loans was as follows. Previous consolidated fiscal year ¥150,534 million Interim consolidated period ¥153,288 million」
The total of risk-monitored loans increased from ¥15,053.4 million at the end of March 2021 to ¥15,328.8 million at the end of September 2021. At the same time, under asset assessments, loans classified as dangerous at Higo Bank increased from ¥3.45 billion to ¥3.74 billion, while loans requiring monitoring at Kagoshima Bank increased from ¥4.28 billion to ¥4.90 billion. - FY2022-Q1WorsenedAnnual report
「Total ¥150,534 million ¥152,153 million」
The total of risk-monitored loans increased from ¥15,053.4 million at the end of March 2021 to ¥15,215.3 million at the end of June 2021. - FY2021-Q3WorsenedAnnual report
「Total ¥132,874 million ¥146,039 million」
The total of risk-monitored loans increased from ¥13,287.4 million at the end of March 2020 to ¥14,603.9 million at the end of December 2020, also rising from ¥14,409.8 million at the end of the previous quarter. Past-due loans and restructured loans increased. - FY2021-Q2WorsenedAnnual report
「Total ¥132,874 million ¥144,098 million」
The total of risk-monitored loans increased from ¥13,287.4 million at the end of March 2020 to ¥14,409.8 million at the end of September 2020. Loans requiring monitoring also increased, expanding credit risk exposure. - FY2021-Q1WorsenedAnnual report
「Total ¥132,874 million ¥135,092 million」
The total of risk-monitored loans increased from ¥13,287.4 million at the end of March 2020 to ¥13,509.2 million at the end of June 2020. Loans to borrowers in legal bankruptcy and restructured loans increased. - FY2020WorsenedAnnual report
「Regarding the forecast for the fiscal year ending March 2021, consolidated net income attributable to owners of the parent is expected to decline to ¥15.0 billion due to the anticipated impact of the spread of COVID-19. The main factor behind the forecast decline is that the operating conditions of the Group's business partners are expected to deteriorate due to the spread of COVID-19, and credit costs for the two subsidiary banks combined are expected to reach ¥9.0 billion, compared with ¥1.1 billion in the fiscal year ended March 2020, due to loan losses and downward migration in borrower classifications.」
Regarding credit risk, the disclosure added an estimate of ¥9.0 billion in credit costs for the fiscal year ending March 2021, based on an assumed deterioration in the business conditions of counterparties due to the spread of the infection. - FY2020-Q3WorsenedAnnual report
「Total ¥131,500 million ¥133,598 million」
The total of risk-monitored loans increased from ¥13,150 million at the end of March 2019 to ¥13,359.8 million at the end of December 2019, indicating a renewed increase in credit risk exposure. “Quantified” and “materialized” were determined to represent realized outcomes expressed numerically. - FY2020-Q1MitigatedAnnual report
「Total ¥131,500 million ¥129,855 million」
The total of risk-monitored loans declined from ¥13,150 million at the end of March 2019 to ¥12,985.5 million at the end of the quarter, reducing credit risk exposure. Credit risk remained present as a quantified outcome. - FY2019MitigatedAnnual report
「The total of loans to borrowers in legal bankruptcy, past-due loans, loans past due for 3 months or more, and restructured loans declined from ¥140,394 million at the end of the previous consolidated fiscal year to ¥131,500 million.」
The total of risk-monitored loans declined by ¥889.4 million year on year, while provisioning for loan losses also declined from ¥457.3 million to ¥380.9 million. - FY2019-Q3Decline in non-performing loan balances and continued provisioning for loan lossesAnnual report
「Ordinary expenses increased by ¥628.8 million year on year to ¥10,165.0 million, mainly due to higher other ordinary expenses resulting from the shift in the provision for loan losses from a reversal to an expense, and higher other operating expenses due to increased losses on sales of Japanese government bonds and other securities. Total ¥140,394 million ¥133,311 million」
The total of risk-monitored loans declined from ¥14,039.4 million at the end of the previous consolidated fiscal year to ¥13,331.1 million, while the provision for loan losses shifted from a reversal to an expense, so negative factors continued on the credit-cost front. - FY2019-Q2Decline in non-performing loan balances and increase in provisioning for loan lossesAnnual report
「The total of loans to borrowers in legal bankruptcy, past-due loans, loans past due for 3 months or more, and restructured loans declined from ¥140,394 million at the end of the previous consolidated fiscal year to ¥136,400 million. Meanwhile, ordinary expenses increased by ¥305.5 million year on year to ¥6,660.3 million, mainly due to higher other ordinary expenses resulting from increased provisioning for loan losses and higher other operating expenses due to increased losses on sales of Japanese government bonds and other securities.」
Although the total of risk-monitored loans declined by ¥399.4 million from the end of the previous fiscal year, increased provisioning for loan losses pushed up ordinary expenses, so the changes in credit risk and credit costs were not uniformly adverse. - FY2019-Q1Shift in credit costs and decline in loan balancesAnnual report
「Ordinary expenses increased by ¥234.1 million year on year to ¥3,424.8 million, mainly due to higher other ordinary expenses resulting from the shift in the provision for loan losses from a reversal to an expense, and higher other operating expenses due to increased losses on sales of Japanese government bonds and other securities. Total ¥140,394 million ¥137,839 million」
The provision for loan losses shifted from a reversal to an expense, creating a negative factor for credit costs. Meanwhile, the total of risk-monitored loans declined from ¥14,039.4 million at the end of the previous fiscal year to ¥13,783.9 million, so the changes were not uniformly adverse. - FY2018MitigatedAnnual report
「The total of loans to borrowers in legal bankruptcy, past-due loans, loans past due for 3 months or more, and restructured loans declined from ¥146,134 million at the end of the previous consolidated fiscal year to ¥140,394 million.」
The total of risk-monitored loans declined by ¥574 million from the end of the previous fiscal year, while provisioning for loan losses also declined from ¥1,026.7 million to ¥457.3 million. - FY2018-Q3MitigatedAnnual report
「Loans to borrowers in legal bankruptcy: ¥2,501 million; past-due loans: ¥83,939 million; loans past due for 3 months or more: ¥637 million; restructured loans: ¥56,155 million; total: ¥143,234 million」
The total of risk-monitored loans declined from ¥146,134 million at the end of the previous consolidated fiscal year to ¥143,234 million. Provisioning for loan losses also fell from ¥948 million in the same period of the previous year to zero in the current period, indicating lower credit risk and credit costs based on the disclosed figures. - FY2018-Q2WorsenedAnnual report
「The total of loans to borrowers in legal bankruptcy, past-due loans, loans past due for 3 months or more, and restructured loans increased from ¥146,134 million at the end of the previous consolidated fiscal year to ¥146,270 million.」
The total of risk-monitored loans increased by ¥136 million from the end of the previous fiscal year to ¥146,270 million. - FY2018-Q1MitigatedAnnual report
「Total ¥146,134 million ¥145,230 million」
The total of risk-monitored loans declined by ¥904 million, from ¥14,613.4 million at the end of the previous fiscal year to ¥14,523.0 million at the end of the first quarter. In addition, the provision for loan losses shifted from an expense in the same period of the previous year to a reversal in the current period, indicating lower credit costs and credit risk exposure based on the figures disclosed for the quarter. - FY2017WorsenedAnnual report
「The total of loans to borrowers in legal bankruptcy, past-due loans, loans past due for 3 months or more, and restructured loans increased from ¥138,159 million at the end of the previous consolidated fiscal year to ¥146,134 million.」
The total of risk-monitored loans increased by ¥7,975 million year on year. Past-due loans and restructured loans remained at high levels, and ¥10,267 million was recorded as provision for loan losses. - FY2017-Q3MaterialisedAnnual report
「Loans to borrowers in legal bankruptcy: ¥4,365 million; past-due loans: ¥80,864 million; loans past due for 3 months or more: ¥704 million; restructured loans: ¥63,872 million; total: ¥149,807 million.」
The total of risk-monitored loans was ¥149,807 million, remaining above the ¥138,159 million recorded at the end of the previous consolidated fiscal year. Provisioning for loan losses amounted to ¥9,488 million for the cumulative 3-quarter period, quantifying the increase in credit costs. The total was slightly below the ¥150,308 million recorded at the end of the previous quarter. - FY2017-Q2WorsenedAnnual report
「The total of loans to borrowers in legal bankruptcy, past-due loans, loans past due for 3 months or more, and restructured loans was ¥150,308 million.」
The total amount of non-performing-loan categories increased from ¥138,159 million at the end of March 2016 to ¥150,308 million. Although the risk disclosure itself was described as having no material change, the disclosed figures indicate increased credit risk exposure. - FY2017-Q1RestatedAnnual report
「During the first quarter of the current consolidated fiscal year, there were no unusual changes or other abnormal developments in the financial position or results of operations. There were also no material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes were identified in the risk of increases in non-performing loans and credit costs due to economic conditions, real estate prices and other factors. - FY2016First statedAnnual report
「Depending on economic trends, the economic environment, fluctuations in real estate prices and other factors, the balance of loans and other receivables may increase, as may the balance of non-performing loans and total credit costs, potentially affecting the performance of the Group. The Group's non-performing loans have remained at a low level, accounting for approximately 2% of total credit exposure.」
The disclosure indicates the possibility of an increase in non-performing loans, while stating that they currently account for approximately 2% of total credit exposure.