Credit Risk in Lending to SMEs and Individuals
First written in FY2017-Q1. 4 of 6 entries say "Restated". Latest entry: FY2025-H1.
No other company in this theme has enough history to compare yet.
- FY2025-H1WorsenedAnnual report
「Risky claims 51 99 Claims requiring management 7 10」
At Kanagawa Bank, Ltd. on a standalone basis, risky claims increased from ¥5.1 billion to ¥9.9 billion, and claims requiring management increased from ¥700 million to ¥1 billion. Changes by bank are evident in the status of credit risk, including lending to small and midsize businesses and individuals. - FY2024RestatedAnnual report
「As the Group continues to expand lending to local small and midsize businesses and individuals, the proportion of lending to these borrowers remains high.」
Credit risk associated with the high proportion of lending to small and midsize businesses and individuals was noted again. - FY2018RestatedAnnual report
「As the Group continues to expand lending to local small and midsize businesses and individuals, the proportion of lending to these borrowers remains high. We diversify risk by dividing these loans into smaller exposures, but the performance of small and midsize businesses, collateral real estate prices and trends in household finances may affect the Group's performance.」
The high proportion of lending to small and midsize businesses and individuals, diversification through smaller exposures, and credit risk related to borrowers and collateral prices were reiterated. - FY2017-Q3RestatedAnnual report
「We diversify risk by dividing loans to small and midsize businesses and individuals into smaller exposures, but the performance of small and midsize businesses, collateral real estate prices and trends in household finances may affect the Group's performance.」
The high proportion of lending to small and midsize businesses and individuals, diversification through smaller exposures, and risks from fluctuations in borrowers' circumstances and collateral prices were reiterated. - FY2017-Q2RestatedAnnual report
「The proportion of lending to small and midsize businesses and individuals remains high. We diversify risk by dividing these loans into smaller exposures, but the performance of small and midsize businesses, collateral real estate prices and trends in household finances may affect the Group's performance.」
The high proportion of lending, risk diversification through smaller exposures and associated credit risk were reiterated. - FY2017-Q1First statedAnnual report
「We diversify risk by dividing loans to small and midsize businesses and individuals into smaller exposures, but the performance of small and midsize businesses, collateral real estate prices and trends in household finances may affect the Group's performance.」
Credit risk associated with the high proportion of lending to small and midsize businesses and individuals was noted.