Management of lending commitments and credit protection
First written in FY2017-Q2. 1 of 18 entries say "Restated". Latest entry: FY2026.
The whole theme swung hardest in 2021: 10 of 20 companies on the "Worse" side.
1 other company's latest entry also says "Other".
- FY2026Increase in undrawn loan commitments and continuation of credit protection measuresAnnual report
「Undrawn loan commitments increased from ¥157,906 million to ¥165,397 million, while commitments with remaining contractual terms of 1 year or less increased from ¥132,879 million to ¥147,955 million.」
While both undrawn loan commitments and commitments with terms of 1 year or less increased, protection measures, including provisions allowing refusals or reductions in credit limits, obtaining collateral, monitoring customers' business conditions, and reviewing contracts, have continued. - FY2026-H1Increase in undrawn loan commitments and continuation of credit protection measuresAnnual report
「Undrawn loan commitments ¥157,906 million ¥158,048 million Of which, contracts with remaining terms of 1 year or less ¥132,879 million ¥137,606 million」
Undrawn loan commitments increased from ¥157,906 million at the end of the previous fiscal year to ¥158,048 million, and commitments with remaining contractual terms of 1 year or less also increased. Provisions allowing loan refusals or reductions in credit limits, obtaining collateral, monitoring customers' business conditions, reviewing contracts, and taking credit protection measures have continued. - FY2025Increase in undrawn loan commitments and continuation of credit protection measuresAnnual report
「Undrawn loan commitments ¥136,159 million ¥157,906 million Of which, contracts with remaining terms of 1 year or less ¥126,403 million ¥132,879 million」
Undrawn loan commitments increased from ¥136,159 million at the end of the previous fiscal year to ¥157,906 million, and commitments with terms of 1 year or less also increased. Provisions allowing refusals or reductions in credit limits, obtaining collateral, monitoring customers' business conditions, reviewing contracts, and taking credit protection measures have continued. - FY2025-H1Increase in undrawn loan commitments and continuation of credit protection measuresAnnual report
「Undrawn loan commitments ¥136,159 million ¥138,284 million Of which, contracts with remaining terms of 1 year or less ¥126,403 million ¥126,797 million Because many of these contracts expire without loans being drawn, the undrawn loan commitments themselves do not necessarily affect the future cash flows of the Bank and its consolidated subsidiaries. Many of these contracts contain provisions allowing the Bank and its consolidated subsidiaries to refuse loans for which drawdown applications have been received or reduce the contractual credit limits in the event of changes in financial conditions, the need to protect receivables, or other material circumstances. At the time of contracting, we obtain collateral such as real estate and securities as necessary. After contracts are entered into, we regularly assess customers' business conditions and other matters based on predetermined internal procedures, and, as necessary, review contracts and take other measures to protect credit.」
Undrawn loan commitments increased from ¥136,159 million at the end of the previous consolidated fiscal year to ¥138,284 million, and commitments with remaining contractual terms of 1 year or less also increased. Provisions allowing refusals or reductions in credit limits, obtaining collateral, monitoring customers' business conditions, reviewing contracts, and taking credit protection measures have continued. - FY2024MitigatedAnnual report
「Undrawn loan commitments ¥149,431 million ¥136,159 million Of which, contracts with remaining terms of 1 year or less ¥138,961 million ¥126,403 million」
Undrawn loan commitments decreased from ¥149,431 million at the end of the previous fiscal year to ¥136,159 million, and commitments with remaining contractual terms of 1 year or less also decreased. Provisions allowing refusals or reductions in credit limits, obtaining collateral, monitoring customers' business conditions, reviewing contracts, and taking credit protection measures have continued. - FY2024-Q2Decrease in undrawn loan commitments, with credit protection measures continuingAnnual report
「Undrawn loan commitments ¥149,431 million ¥148,425 million Of which, contracts with remaining terms of 1 year or less ¥138,961 million ¥138,988 million Because many of these contracts expire without loans being drawn, the undrawn loan commitments themselves do not necessarily affect the future cash flows of the Bank and its consolidated subsidiaries. Many of these contracts contain provisions allowing the Bank and its consolidated subsidiaries to refuse loans for which drawdown applications have been received or reduce the contractual credit limits in the event of changes in financial conditions, the need to protect receivables, or other material circumstances. At the time of contracting, we obtain collateral such as real estate and securities as necessary. After contracts are entered into, we regularly assess customers' business conditions and other matters based on predetermined internal procedures, and, as necessary, review contracts and take other measures to protect credit.」
Undrawn loan commitments decreased from ¥149,431 million at the end of the previous consolidated fiscal year to ¥148,425 million. Meanwhile, commitments with remaining contractual terms of 1 year or less increased slightly to ¥138,988 million, and provisions allowing refusals or reductions in credit limits, obtaining collateral, monitoring customers' business conditions, reviewing contracts, and taking credit protection measures have continued. - FY2023-Q2Increase in undrawn loan commitments and continuation of credit protection measuresAnnual report
「Undrawn loan commitments ¥140,697 million ¥150,602 million Of which, contracts with remaining terms of 1 year or less ¥133,436 million ¥142,480 million Because many of these contracts expire without loans being drawn, the undrawn loan commitments themselves do not necessarily affect the future cash flows of the Bank and its consolidated subsidiaries. Many of these contracts contain provisions allowing the Bank and its consolidated subsidiaries to refuse loans for which drawdown applications have been received or reduce the contractual credit limits in the event of changes in financial conditions, the need to protect receivables, or other material circumstances. At the time of contracting, we obtain collateral such as real estate and securities as necessary. After contracts are entered into, we regularly assess customers' business conditions and other matters based on predetermined internal procedures, and, as necessary, review contracts and take other measures to protect credit.」
Undrawn loan commitments increased from ¥140,697 million at the end of the previous consolidated fiscal year to ¥150,602 million, and commitments with remaining contractual terms of 1 year or less also increased. Provisions allowing refusals or reductions in credit limits, obtaining collateral, monitoring customers' business conditions, reviewing contracts, and taking credit protection measures have continued. - FY2022Decrease in undrawn loan commitments and continuation of credit protection measuresAnnual report
「The undrawn balances relating to these contracts are as follows.」
Undrawn loan commitments decreased from ¥149,231 million at the end of the previous fiscal year to ¥140,697 million, and commitments with remaining contractual terms of 1 year or less also decreased to ¥133,436 million. Provisions allowing refusals or reductions in credit limits, obtaining collateral, monitoring customers' business conditions, reviewing contracts, and taking credit protection measures have continued. - FY2022-Q2Decrease in undrawn loan commitments and continuation of credit protection measuresAnnual report
「Undrawn loan commitments ¥149,231 million ¥141,728 million Of which, contracts with remaining terms of 1 year or less ¥140,958 million ¥135,588 million Many of these contracts contain provisions allowing the Bank and its consolidated subsidiaries to refuse loans for which drawdown applications have been received or reduce the contractual credit limits in the event of changes in financial conditions, the need to protect receivables, or other material circumstances. At the time of contracting, we obtain collateral such as real estate and securities as necessary. After contracts are entered into, we regularly assess customers' business conditions and other matters based on predetermined internal procedures, and, as necessary, review contracts and take other measures to protect credit.」
Undrawn loan commitments decreased from ¥149,231 million at the end of the previous consolidated fiscal year to ¥141,728 million, and commitments with terms of 1 year or less also decreased. Provisions allowing refusals or reductions in credit limits, obtaining collateral, monitoring customers' business conditions, reviewing contracts, and taking credit protection measures have continued. - FY2021Increase in undrawn loan commitments and continuation of credit protection measuresAnnual report
「Undrawn loan commitments were as follows.」
Undrawn loan commitments increased from ¥132,319 million at the end of the previous fiscal year to ¥149,231 million, and commitments with remaining contractual terms of 1 year or less also increased to ¥140,958 million. Provisions allowing refusals or reductions in credit limits, obtaining collateral, monitoring customers' business conditions, reviewing contracts, and taking credit protection measures have continued. - FY2021-Q2Increase in undrawn loan commitments and continuation of credit protection measuresAnnual report
「Undrawn loan commitments ¥132,319 million ¥143,362 million Of which, contracts with remaining terms of 1 year or less ¥124,697 million ¥137,263 million Because many of these contracts expire without loans being drawn, the undrawn loan commitments themselves do not necessarily affect the future cash flows of the Bank and its consolidated subsidiaries. Many of these contracts contain provisions allowing the Bank and its consolidated subsidiaries to refuse loans for which drawdown applications have been received or reduce the contractual credit limits in the event of changes in financial conditions, the need to protect receivables, or other material circumstances. At the time of contracting, we obtain collateral such as real estate and securities as necessary. After contracts are entered into, we regularly assess customers' business conditions and other matters based on predetermined internal procedures, and, as necessary, review contracts and take other measures to protect credit.」
Undrawn loan commitments increased from ¥132,319 million at the end of the previous consolidated fiscal year to ¥143,362 million, and commitments with terms of 1 year or less also increased. Provisions allowing refusals or reductions in credit limits, obtaining collateral, monitoring customers' business conditions, reviewing contracts, and taking credit protection measures have continued. - FY2020-Q2Decrease in undrawn loan commitments, with credit protection measures continuingAnnual report
「Undrawn loan commitments ¥122,493 million ¥119,148 million Of which, contracts with remaining terms of 1 year or less ¥116,611 million ¥113,035 million」
Undrawn loan commitments decreased from ¥122,493 million at the end of the previous consolidated fiscal year to ¥119,148 million, and commitments with terms of 1 year or less also decreased. Provisions allowing refusals or reductions in credit limits, obtaining collateral, monitoring customers' business conditions, reviewing contracts, and taking credit protection measures have continued. - FY2019Decrease in undrawn loan commitments, with credit protection measures continuingAnnual report
「Undrawn loan commitments were as follows. Previous consolidated fiscal year (31 March 2018) Current consolidated fiscal year (31 March 2019) Undrawn loan commitments ¥125,182 million ¥122,493 million Of which, contracts with remaining terms of 1 year or less ¥121,294 million ¥116,611 million」
Undrawn loan commitments decreased from ¥125,182 million at the end of the previous fiscal year to ¥122,493 million, and commitments with terms of 1 year or less also decreased. Provisions allowing refusals or reductions in credit limits, obtaining collateral, monitoring customers' business conditions, reviewing contracts, and taking credit protection measures have continued. - FY2019-Q2Increase in undrawn loan commitments and continuation of credit protection measuresAnnual report
「Undrawn loan commitments ¥125,182 million ¥127,975 million Of which, contracts with remaining terms of 1 year or less ¥121,294 million ¥124,182 million」
Undrawn loan commitments increased from ¥125,182 million at the end of the previous consolidated fiscal year to ¥127,975 million, and commitments with remaining contractual terms of 1 year or less also increased. Provisions allowing refusals or reductions in credit limits, obtaining collateral, monitoring customers' business conditions, reviewing contracts, and taking credit protection measures have continued. - FY2018Increase in undrawn loan commitments and continuation of credit protection measuresAnnual report
「The undrawn balances relating to these contracts are as follows.」
Undrawn loan commitments increased from ¥107,003 million at the end of the previous fiscal year to ¥125,182 million, and those with remaining contractual terms of 1 year or less also increased to ¥121,294 million. Meanwhile, provisions allowing refusals or reductions in credit limits, obtaining collateral, monitoring customers' business conditions, reviewing contracts, and taking credit protection measures have continued. - FY2018-Q2Increase in undrawn loan commitments, with credit protection measures continuingAnnual report
「Undrawn loan commitments ¥107,003 million ¥116,523 million Of which, contracts with remaining terms of 1 year or less ¥105,260 million ¥113,547 million Many of these contracts contain provisions allowing the Bank and its consolidated subsidiaries to refuse loans for which drawdown applications have been received or reduce the contractual credit limits in the event of changes in financial conditions, the need to protect receivables, or other material circumstances. At the time of contracting, we obtain collateral such as real estate and securities as necessary. After contracts are entered into, we regularly assess customers' business conditions and other matters based on predetermined internal procedures, and, as necessary, review contracts and take other measures to protect credit.」
Undrawn loan commitments increased from ¥107,003 million at the end of the previous consolidated fiscal year to ¥116,523 million, and commitments with remaining contractual terms of 1 year or less also increased. Meanwhile, provisions allowing refusals or reductions in credit limits, obtaining collateral, monitoring customers' business conditions, reviewing contracts, and taking credit protection measures have continued. - FY2017RestatedAnnual report
「Undrawn loan commitments amounted to ¥107,003 million, of which ¥105,260 million had remaining contractual terms of 1 year or less. Many of these contracts contain provisions allowing the Bank and its consolidated subsidiaries to refuse loans for which drawdown applications have been received or reduce the contractual credit limits in the event of changes in financial conditions, the need to protect receivables, or other material circumstances. At the time of contracting, we obtain collateral such as real estate and securities as necessary. After contracts are entered into, we regularly assess customers' business conditions and other matters based on predetermined internal procedures, and, as necessary, review contracts and take other measures to protect credit.」
Undrawn loan commitments increased to ¥107,003 million, but the management methods of obtaining collateral, regularly monitoring customers' business conditions, reviewing contracts, and taking credit protection measures have continued. - FY2017-Q2First statedAnnual report
「At the time of contracting, we obtain collateral such as real estate and securities as necessary. After contracts are entered into, we regularly assess customers' business conditions and other matters based on predetermined internal procedures, and, as necessary, review contracts and take other measures to protect credit.」
Undrawn loan commitments at the end of the interim period were ¥94,839 million, of which ¥91,683 million had remaining contractual terms of 1 year or less. The company identified obtaining collateral, regularly monitoring customers' business conditions, reviewing contracts, and taking credit protection measures as its management measures.