Risk of higher non-performing loans and loan-loss provisions
First written in FY2018. 16 of 31 entries say "Worsened", first in FY2019-Q3. Latest entry: 2026-10-30.
The First Bank Of Toyama moved to the "Worse" side of this theme in 2018, 2 years before the typical company in this theme (2020).
The whole theme swung hardest in 2020: 27 of 51 companies on the "Worse" side.
23 other companies' latest entry also says "Mitigated".
- 2026-10-30Mitigatedgoogle.com
「与信関係費用が当初予想を下回る見通しとなったことなども寄与した。」
与信関係費用が当初予想を下回る見通しとなり、与信関係費用の増加リスクが予想上は低減した。 - 2026-10-30MitigatedRevisions to earnings forecasts
「個別業績予想において、有価証券関係損益の増加および与信関係費用の減少が当初予想を上回る見込みとなったことから、2027 年３月期第２四半期（累計）の業績予想について、前回公表予想から上方修正するものです。」
与信関係費用の減少が当初予想を上回る見込みとされ、不良債権・与信関係費用の増加リスクは予想上弱まった。実績ではなく見込みに基づく記載である。 - FY2026Decline in disclosed claims and allowances alongside current-period provisionsAnnual report
「Claims under the Banking Act and the Financial Reconstruction Act decreased by ¥841 million to ¥24,766 million due to repayments, recoveries through subrogation payments and real estate sales, and other factors.」
Disclosed claims decreased, and the allowance for loan losses also declined from ¥9,852 million to ¥9,158 million, while the provision for loan losses was ¥406 million. - FY2026-H1WorsenedAnnual report
「Provision for loan losses － million ¥363 million」
The provision for loan losses increased from zero in the same period of the previous year to ¥363 million. The allowance for loan losses also increased from ¥9,852 million at the end of the previous fiscal year to ¥10,123 million, and the risk of higher non-performing loans and credit-related expenses became apparent again. - FY2025MitigatedAnnual report
「Provision for loan losses ¥2,940 million ¥33 million」
The provision for loan losses fell sharply from ¥2,940 million in the previous fiscal year to ¥33 million. Together with a decrease in disclosed claims resulting from support for management improvement, the risk of higher credit-related expenses narrowed during the fiscal year. - FY2025-H1MitigatedAnnual report
「Reversal gain on allowance for loan losses － million ¥513 million Provision for loan losses ¥1,770 million － million」
The provision for loan losses fell from ¥1,770 million in the same period of the previous year to zero, and the company recorded a ¥513 million reversal gain on the allowance for loan losses. Total risk-monitored loans also decreased from the end of the previous consolidated fiscal year. - FY2024WorsenedAnnual report
「Claims under the Banking Act and the Financial Reconstruction Act increased by ¥2,672 million, mainly due to downgrades in borrower classifications, to ¥29,465 million, and the ratio to total credit outstanding rose by 0.14 percentage points to 2.92%. The amount covered increased by ¥2,101 million to ¥24,257 million due to increases in the allowance for loan losses and collateral, guarantees and other forms of credit enhancement, but the coverage ratio declined by 0.37 percentage points to 82.32% because total credit outstanding also increased substantially.」
In addition to an increase in disclosed claims, the allowance for loan losses increased to ¥10,579 million, and the risk of higher credit-related expenses continued to become apparent. - FY2024-Q3WorsenedAnnual report
「Provision for loan losses ¥297 million ¥1,458 million」
The provision for loan losses increased from ¥297 million in the same period of the previous year to ¥1,458 million. The risk of higher non-performing loans and credit-related expenses has become further apparent in the form of a provision for loan losses. - FY2024-Q2WorsenedAnnual report
「Provision for loan losses ¥926 million ¥1,770 million Allowance for loan losses △ ¥9,546 million △ ¥11,142 million」
The provision for loan losses increased from ¥926 million in the same period of the previous year to ¥1,770 million, and the allowance for loan losses also increased from ¥9,546 million at the end of the previous consolidated fiscal year to ¥11,142 million. The risk of higher non-performing loans and credit-related expenses has continued to become apparent. quantified is true, materialized is true. - FY2024-Q1Allowance for loan losses increased despite a decline in the provision for loan lossesAnnual report
「Allowance for loan losses △ ¥9,718 million △ ¥10,004 million Provision for loan losses ¥323 million ¥286 million」
The provision for loan losses decreased from ¥323 million in the same period of the previous year to ¥286 million, while the allowance for loan losses on the balance sheet increased from ¥9,718 million at the end of the previous consolidated fiscal year to ¥10,004 million. - FY2023-Q3Disclosed claims increased despite declines in the provision for loan losses and the allowance balanceAnnual report
「Provision for loan losses ¥2,262 million ¥297 million Allowance for loan losses △ ¥9,546 million △ ¥9,459 million」
The provision for loan losses decreased from ¥2,262 million in the same period of the previous year to ¥297 million, and the allowance for loan losses also decreased from ¥9,546 million to ¥9,459 million. Meanwhile, total disclosed claims increased from ¥25,681 million to ¥26,931 million. - FY2023-Q2WorsenedAnnual report
「Total ¥25,681 million ¥26,525 million Allowance for loan losses △ ¥9,546 million △ ¥10,088 million」
Total risk-monitored loans and related claims increased from ¥25,681 million at the end of the previous consolidated fiscal year to ¥26,525 million, while the allowance for loan losses also increased from ¥9,546 million to ¥10,088 million. The provision for loan losses decreased from ¥2,051 million in the same period of the previous year to ¥926 million, but the risk became apparent through increases in non-performing loans and the allowance balance. quantified is true, materialized is true. - FY2023-Q1Disclosed non-performing loans decreased, but the allowance for loan losses increasedAnnual report
「Provision for loan losses ¥339 million ¥323 million」
The provision for loan losses decreased from ¥339 million in the same period of the previous year to ¥323 million. Meanwhile, the allowance for loan losses on the balance sheet increased from ¥9,546 million at the end of the previous fiscal year to ¥9,869 million, and the risk remained apparent. - FY2022WorsenedAnnual report
「Allowance for loan losses ¥7,141 million ¥9,546 million」
The allowance for loan losses increased from ¥7,141 million at the end of the previous fiscal year to ¥9,546 million. Disclosed claims under the Financial Reconstruction Act also increased to ¥2,569 million, and the risk of higher credit-related expenses has continued to become apparent. - FY2022-Q3WorsenedAnnual report
「Provision for loan losses ¥715 million ¥2,262 million」
FY2022-Q3, the provision for loan losses increased from ¥715 million in the same period of the previous year to ¥2,262 million. The risk of higher non-performing loans and credit-related expenses has become further apparent in the form of a provision for loan losses. - FY2022-Q2WorsenedAnnual report
「Provision for loan losses ¥267 million ¥2,051 million」
The provision for loan losses increased from ¥267 million in the same period of the previous year to ¥2,051 million. The risk of higher non-performing loans and credit-related expenses has become further apparent in the form of a provision for loan losses. - FY2022-Q1WorsenedAnnual report
「Provision for loan losses ¥93 million ¥339 million」
The provision for loan losses increased from ¥93 million in the same period of the previous year to ¥339 million. The risk of higher non-performing loans and credit-related expenses has become apparent in the form of a provision for loan losses. It has been quantified and has actually occurred. - FY2021WorsenedAnnual report
「Non-performing loans, based on the Financial Reconstruction Act, increased by ¥2,214 million year on year to ¥2,291.5 million, mainly due to downgrades in borrower classifications, and the non-performing loan ratio rose by 0.15 percentage points to 2.64%.」
Non-performing loans increased by ¥2,214 million year on year to ¥2,291.5 million, mainly due to downgrades in borrower classifications, and the non-performing loan ratio reached 2.64%. The provision for loan losses was also ¥2,978 million. - FY2021-Q3WorsenedAnnual report
「Provision for loan losses - million ¥715 million」
The provision for loan losses increased from zero in the same period of the previous year to ¥715 million, making the risk of higher non-performing loans and credit-related expenses further apparent in the form of a provision. - FY2021-Q2MaterialisedAnnual report
「Provision for loan losses － million ¥267 million」
The company recorded a ¥267 million provision for loan losses, which had not been recorded in the same period of the previous year. The risk of higher non-performing loans and credit-related expenses has become apparent in the form of a provision for loan losses. - FY2021-Q1WorsenedAnnual report
「Provision for loan losses － million ¥93 million」
The provision for loan losses increased from zero in the same period of the previous year to ¥93 million. Rather than a reversal gain on the allowance for loan losses, which had continued through the previous quarter, a provision was recorded. - FY2020-Q3Continued recognition of reversal gains on the allowance for loan losses and increase in risk-monitored loansAnnual report
「Reversal gain on allowance for loan losses - million ¥205 million Provision for loan losses ¥702 million - million」
The provision for loan losses fell from ¥702 million in the same period of the previous year to zero, and the company recorded a ¥205 million reversal gain on the allowance for loan losses. Meanwhile, total risk-monitored loans increased from the end of the previous consolidated fiscal year. - FY2020-Q2Risk-monitored loans increased despite recognition of a reversal gain on the allowance for loan lossesAnnual report
「Reversal gain on allowance for loan losses － million ¥130 million Provision for loan losses ¥746 million － million」
The provision for loan losses fell from ¥746 million in the same period of the previous year to zero, and the company recorded a ¥130 million reversal gain on the allowance for loan losses. Meanwhile, total risk-monitored loans increased from the end of the previous consolidated fiscal year. quantified is true, materialized is true. - FY2020-Q1Risk-monitored loans increased despite zero provision for loan losses and recognition of a reversal gainAnnual report
「Reversal gain on allowance for loan losses － million ¥156 million Provision for loan losses ¥279 million － million」
The provision for loan losses fell from ¥279 million in the same period of the previous year to zero, and the company recorded a ¥156 million reversal gain on the allowance for loan losses. Meanwhile, total risk-monitored loans increased from the end of the previous consolidated fiscal year. - FY2019WorsenedAnnual report
「Non-performing loans, based on the Financial Reconstruction Act, increased by ¥638.4 million year on year to ¥1.67 billion, mainly due to downgrades in borrower classifications, and the non-performing loan ratio rose by 0.77 percentage points.」
Non-performing loans increased by ¥638.4 million year on year to ¥1.67 billion due to downgrades in borrower classifications, and the non-performing loan ratio also increased. The provision for loan losses was ¥1,895 million. - FY2019-Q3WorsenedAnnual report
「Provision for loan losses ¥430 million ¥702 million」
The provision for loan losses increased from ¥430 million in the same period of the previous year to ¥702 million. The risk of higher non-performing loans and credit-related expenses has become further apparent in the form of an increased provision for loan losses. - FY2019-Q2MaterialisedAnnual report
「Provision for loan losses ¥363 million ¥746 million」
The provision for loan losses increased from ¥363 million in the same period of the previous year to ¥746 million. Total risk-monitored loans also increased from ¥1,026.2 billion at the end of the previous consolidated fiscal year to ¥1,252.9 billion. - FY2019-Q1MaterialisedAnnual report
「Provision for loan losses － million ¥279 million」
The company recorded a ¥279 million provision for loan losses, which had not been recorded in the same period of the previous year. Total risk-monitored loans also increased from ¥1,026.2 billion at the end of the previous consolidated fiscal year to ¥1,116.5 billion. - FY2018First statedAnnual report
「Non-performing loans and credit-related expenses of the Group may increase as a result of changes in the economic environment, real estate and share prices, the business conditions and creditworthiness of borrowers, and other factors, potentially adversely affecting the Group’s results of operations and financial position.」
The company identified as risks increases in non-performing loans and credit-related expenses resulting from changes in the economic environment, real estate and share prices, and borrowers’ business conditions and creditworthiness.