Occurrence and management of risk-monitored loans
First written in FY2017-Q1. 21 of 37 entries say "Worsened", first in FY2018-Q3. Latest entry: 2026-08-03.
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".
- 2026-08-03MitigatedEarnings
「開示債権の額は、前年同期末比で5億75百万円減少し243億99百万円となり、総与信残高に占める割合は、前年同期末比0.13ポイント低下し2.32％となりました。」
開示債権額および総与信残高比率の前年同期末比低下を開示した。 - FY2026MitigatedAnnual report
「Claims under the Banking Act and the Financial Reconstruction Act decreased ¥84.1 million, due to repayments and recoveries through subrogated payments, real estate sales and other means, to ¥2,476.6 million, while the ratio to total outstanding credit fell 0.16 percentage points to 2.32%.」
Disclosed claims and the ratio to total outstanding credit declined against a backdrop of repayments, subrogated payments and recoveries through real estate sales and other means, while the coverage ratio rose to 86.20%. - FY2026-H1WorsenedAnnual report
「Total ¥25,614 million ¥25,994 million」
Total claims under the Banking Act and related legislation increased ¥38.0 million from ¥2,561.4 million at the end of the previous fiscal year to ¥2,599.4 million. Quantified risk-monitored loans and other such claims continue to occur. - FY2025MitigatedAnnual report
「Claims under the Banking Act and the Financial Reconstruction Act decreased ¥385.7 million, mainly due to upgrades in debtor classifications resulting from strengthened management improvement support, to ¥2,560.8 million, while the ratio to total outstanding credit fell 0.44 percentage points to 2.48%. The amount covered decreased ¥242.2 million, due to declines in the allowance for loan losses, collateral and guarantees, to ¥2,183.5 million. However, because disclosed claims decreased by more, the coverage ratio rose 2.94 percentage points to 85.26%.」
Disclosed claims and the ratio to total outstanding credit declined, mainly due to upgrades in debtor classifications resulting from strengthened management improvement support, while the coverage ratio increased. - FY2025-H1MitigatedAnnual report
「Total ¥29,471 million ¥27,241 million」
Risk-monitored loans decreased from ¥2,947.1 million at the end of the previous consolidated fiscal year to ¥2,724.1 million. Quantified risks continue to occur. - FY2024WorsenedAnnual report
「Claims under the Banking Act and the Act on Emergency Measures for Early Strengthening of Financial Functions increased ¥267.2 million, mainly due to downgrades in debtor classifications, to ¥2,946.5 million, while the ratio to total outstanding credit rose 0.14 percentage points to 2.92%.」
Disclosed claims increased from ¥2,679.3 million at the end of the previous fiscal year to ¥2,946.5 million, and the ratio to total outstanding credit also rose to 2.92%. - FY2024-Q3WorsenedAnnual report
「Bankruptcy and reorganization claims and equivalent claims ¥5,942 million ¥5,639 million Other high-risk claims ¥18,526 million ¥20,116 million Loans past due 3 months or more ¥27 million ¥69 million Restructured loans ¥2,302 million ¥2,120 million Total ¥26,799 million ¥27,946 million」
Total claims under the Banking Act and the Act on Emergency Measures for Early Strengthening of Financial Functions increased from ¥2,679.9 million at the end of the previous consolidated fiscal year to ¥2,794.6 million. - FY2024-Q2WorsenedAnnual report
「Total ¥26,799 million ¥28,439 million」
Total claims under the Banking Act and the Act on Emergency Measures for Early Strengthening of Financial Functions increased from ¥2,679.9 million at the end of the previous consolidated fiscal year to ¥2,843.9 million. quantified is true, materialized is true. - FY2024-Q1MitigatedAnnual report
「Total ¥26,799 million ¥26,412 million」
Total claims under the Banking Act and the Act on Emergency Measures for Early Strengthening of Financial Functions decreased from ¥2,679.9 million at the end of the previous consolidated fiscal year to ¥2,641.2 million. - FY2023-Q3WorsenedAnnual report
「Bankruptcy and reorganization claims and equivalent claims ¥5,567 million ¥5,908 million Other high-risk claims ¥17,634 million ¥18,510 million Loans past due 3 months or more ¥58 million ¥27 million Restructured loans ¥2,420 million ¥2,485 million Total ¥25,681 million ¥26,931 million」
Total claims under the Banking Act and the Financial Reconstruction Act increased from ¥2,568.1 million at the end of the previous consolidated fiscal year to ¥2,693.1 million. - FY2023-Q2WorsenedAnnual report
「Total ¥25,681 million ¥26,525 million」
Risk-monitored loans increased from ¥2,568.1 million at the end of the previous consolidated fiscal year to ¥2,652.5 million at the end of the current interim consolidated accounting period. The risk has been quantified and has actually occurred. quantified is true, materialized is true. - FY2023-Q1MitigatedAnnual report
「Total ¥25,681 million ¥25,271 million」
Total claims under the Banking Act and the Financial Reconstruction Act decreased from ¥2,568.1 million at the end of the previous consolidated fiscal year to ¥2,527.1 million at the end of the first quarter. However, risk-monitored loans and other such claims continue to occur. - FY2022WorsenedAnnual report
「Claims under the Banking Act and the Financial Reconstruction Act increased ¥275.4 million year on year to ¥2,566.9 million, mainly due to downgrades in debtor classifications, while the ratio to total outstanding credit rose 0.17 percentage points to 2.81%.」
Disclosed claims, including non-performing loans, increased ¥275.4 million, mainly due to downgrades in debtor classifications, to ¥2,566.9 million, representing 2.81% of total outstanding credit. - FY2022-Q3WorsenedAnnual report
「Total ¥22,910 million ¥24,418 million」
In FY2022-Q3, risk-monitored loans increased from ¥2,291.0 million at the end of the previous consolidated fiscal year to ¥2,441.8 million. They also increased from ¥2,425.2 million at the end of the previous quarter, indicating a deterioration in the risk level. - FY2022-Q2WorsenedAnnual report
「Total ¥22,910 million ¥24,252 million」
Risk-monitored loans increased from ¥2,291.0 million at the end of the previous consolidated fiscal year to ¥2,425.2 million. Based on the total of bankruptcy claims, delinquent claims and other categories, the risk level deteriorated. - FY2022-Q1MitigatedAnnual report
「Total ¥22,910 million ¥22,537 million」
Risk-monitored loans decreased from ¥2,291.0 million at the end of the previous consolidated fiscal year to ¥2,253.7 million at the end of the first quarter. The figures have been quantified, and risk-monitored loans continue to occur. Materialized is true. Quantified is true. - FY2021WorsenedAnnual report
「Total ¥20,635 million ¥22,910 million」
Risk-monitored loans increased from ¥2,063.5 million at the end of the previous fiscal year to ¥2,291.0 million. Although they decreased from ¥2,304.3 million at the end of the third quarter, the year-on-year comparison showed deterioration. - FY2021-Q3Up year on year, but down from the end of the previous quarterAnnual report
「Bankruptcy claims ¥994 million ¥1,052 million Delinquent claims ¥16,897 million ¥19,486 million Loans past due 3 months or more ¥107 million ¥14 million Restructured loans ¥2,636 million ¥2,489 million Total ¥20,635 million ¥23,043 million」
Risk-monitored loans increased from ¥2,063.5 million at the end of the previous consolidated fiscal year to ¥2,304.3 million. However, they decreased from ¥2,387.5 million at the end of the previous quarter, indicating deterioration compared with the fiscal year-end but improvement compared with the previous quarter. - FY2021-Q2WorsenedAnnual report
「Total ¥20,635 million ¥23,875 million」
Risk-monitored loans increased from ¥2,063.5 million at the end of the previous consolidated fiscal year to ¥2,387.5 million, indicating a deterioration in the risk level. - FY2021-Q1WorsenedAnnual report
「Total ¥20,635 million ¥21,977 million」
Risk-monitored loans increased from ¥2,063.5 million at the end of the previous consolidated fiscal year to ¥2,197.7 million at the end of the first quarter. - FY2020-Q3WorsenedAnnual report
「Bankruptcy claims ¥645 million ¥938 million Delinquent claims ¥13,136 million ¥15,595 million Loans past due 3 months or more ¥23 million ¥21 million Restructured loans ¥2,821 million ¥2,578 million Total ¥16,627 million ¥19,133 million」
Risk-monitored loans increased from ¥1,662.7 million at the end of the previous consolidated fiscal year to ¥1,913.3 million, and also increased from ¥1,849.1 million at the end of the previous quarter. The risk has been quantified and has actually occurred. - FY2020-Q2WorsenedAnnual report
「Total ¥16,627 million ¥18,491 million」
Risk-monitored loans increased from ¥1,662.7 million at the end of the previous consolidated fiscal year to ¥1,849.1 million. quantified is true, materialized is true. - FY2020-Q1WorsenedAnnual report
「Bankruptcy claims ¥645 million ¥761 million Delinquent claims ¥13,136 million ¥13,284 million Loans past due 3 months or more ¥23 million ¥44 million Restructured loans ¥2,821 million ¥2,747 million Total ¥16,627 million ¥16,836 million」
Risk-monitored loans increased from ¥1,662.7 million at the end of the previous consolidated fiscal year to ¥1,683.6 million. Bankruptcy claims, delinquent claims, and loans past due 3 months or more also increased. - FY2019WorsenedAnnual report
「The total amounts of bankruptcy claims, delinquent claims, loans past due 3 months or more, and restructured loans were as follows. Previous consolidated fiscal year (31 March 2018) Current consolidated fiscal year (31 March 2019) Total ¥10,262 million ¥16,627 million」
Risk-monitored loans increased substantially from ¥1,026.2 million at the end of the previous fiscal year to ¥1,662.7 million. - FY2019-Q3WorsenedAnnual report
「Total ¥10,262 million ¥14,103 million」
Risk-monitored loans increased from ¥1,026.2 million at the end of the previous consolidated fiscal year to ¥1,410.3 million, and also increased from ¥1,252.9 million at the end of the previous quarter. The level of risk-monitored loans has deteriorated further. - FY2019-Q2WorsenedAnnual report
「Total ¥10,262 million ¥12,529 million」
Risk-monitored loans increased from ¥1,026.2 million at the end of the previous consolidated fiscal year to ¥1,252.9 million. They also increased from ¥1,116.5 million at the end of the previous quarter, indicating a deterioration in the level of risk-monitored loans. - FY2019-Q1WorsenedAnnual report
「Total ¥10,262 million ¥11,165 million」
Risk-monitored loans increased from ¥1,026.2 million at the end of the previous consolidated fiscal year to ¥1,116.5 million. Bankruptcy claims, delinquent claims, and loans past due 3 months or more also increased. - FY2018WorsenedAnnual report
「Total risk-monitored loans」
Risk-monitored loans increased ¥39.9 million from ¥986.3 million at the end of the previous fiscal year to ¥1,026.2 million, and their ratio to outstanding loans rose from 1.20% to 1.23%. - FY2018-Q3WorsenedAnnual report
「Total ¥9,863 million ¥10,121 million」
Risk-monitored loans increased from ¥986.3 million at the end of the previous consolidated fiscal year to ¥1,012.1 million. They also increased from ¥977.9 million at the end of the previous quarter, indicating a deterioration in the level of risk-monitored loans. - FY2018-Q2Down year on year, but slightly higher than at the end of the previous quarterAnnual report
「The total amounts of bankruptcy claims, delinquent claims, loans past due 3 months or more, and restructured loans were as follows. Previous consolidated fiscal year (31 March 2017) Current interim consolidated accounting period (30 September 2017) Total ¥9,863 million ¥9,779 million」
Risk-monitored loans decreased from ¥986.3 million at the end of the fiscal year to ¥977.9 million, but increased slightly from ¥977.6 million at the end of the immediately preceding first quarter. The figures have been quantified, and risk-monitored loans have occurred. quantified is true, materialized is true. - FY2018-Q1MitigatedAnnual report
「Risk-monitored loans included in loans outstanding are as follows.」
Risk-monitored loans decreased from ¥986.3 million at the end of the previous consolidated fiscal year to ¥977.6 million. - FY2017MitigatedAnnual report
「As a result of provisioning based on rigorous asset assessments and the early removal of assets from the balance sheet, risk-monitored loans decreased ¥266.5 million year on year to ¥986.3 million, and the ratio of risk-monitored loans to outstanding loans fell 0.34 percentage points from the previous consolidated fiscal year to 1.20%.」
Through rigorous asset assessments, provisioning and the early removal of assets from the balance sheet, risk-monitored loans decreased ¥266.5 million year on year, and the ratio fell to 1.20%. - FY2017-Q3MitigatedAnnual report
「Risk-monitored loans included in loans outstanding are as follows.」
Risk-monitored loans totaled ¥1,097.4 million, down from ¥1,252.8 million at the end of March 2016 and ¥1,119.5 million at the end of the previous quarter. - FY2017-Q2MitigatedAnnual report
「The totals of bankrupt loans, delinquent loans, loans delinquent for three months or more, and restructured loans are as follows.」
Risk-monitored loans totaled ¥1,119.5 million, down from ¥1,252.8 million at the end of March 2016 and ¥1,211.4 million at the end of the previous quarter. Asset assessments also showed declines from the same period of the previous year, with ¥340 million in bankruptcy and reorganization claims, ¥530 million in other high-risk claims, and ¥230 million in claims requiring management. - FY2017-Q1First statedAnnual report
「Risk-monitored loans included in loans outstanding are as follows.」
Risk-monitored loans totaled ¥1,211.4 million at the end of the first quarter. This comprised ¥130.8 million in bankruptcy claims, ¥829.6 million in delinquent claims, ¥3.5 million in loans past due 3 months or more, and ¥247.4 million in restructured loans.