Increase in Nonperforming Loans and Credit-Related Expenses Due to Economic and Financial Conditions and Borrower Conditions
First written in FY2017-Q3. 15 of 32 entries say "Mitigated", first in FY2019-Q2. Latest entry: 2026-08-05.
The whole theme swung hardest in 2019: 6 of 14 companies on the "Worse" side.
5 other companies' latest entry also says "Worsened".
- 2026-08-05WorsenedEarnings
「Although credit-related expenses increased by ¥2.6 billion year on year」
Credit-related expenses for the 3 banks combined increased from the same period of the previous year. - FY2026MitigatedAnnual report
「Credit-related expenses decreased by ¥1,800 million from the previous fiscal year, to ¥8,900 million, mainly because new defaults remained limited.」
Consolidated credit-related expenses decreased from ¥10,835 million in the previous fiscal year to ¥8,982 million. The combined figure for the 3 banks was also ¥7,400 million, indicating a lower credit cost burden. - 2026-05-12MitigatedRevision of earnings forecasts
「As credit-related expenses decreased by ¥2.0 billion, net income increased by ¥18.5 billion to ¥99.0 billion.」
The company reported that credit-related expenses for the 3 banks combined decreased by ¥2.0 billion year on year. - FY2026-H1MitigatedAnnual report
「Credit-related expenses (△) 4,466 1,040 △3,426」
Credit-related expenses decreased by ¥3,426 million, from ¥4,466 million in the previous interim period to ¥1,040 million in the current interim period. Meanwhile, total disclosed claims increased from ¥224,087 million to ¥237,792 million, indicating divergent trends in credit costs and disclosed claims. - FY2025MitigatedAnnual report
「Credit-related expenses decreased by ¥315 million from the previous consolidated fiscal year to ¥10,835 million, due mainly to a decrease in individual loan-loss provision expense.」
Consolidated credit-related expenses decreased from ¥11,150 million to ¥10,835 million, while the non-performing loan ratio also declined from 1.4% to 1.3%. - FY2025-H1MitigatedAnnual report
「Credit-related expenses (△) 4,806 4,466 △340」
Credit-related expenses decreased by ¥340 million from ¥4,806 million in the previous interim period to ¥4,466 million. The impact of the change in the method for calculating the allowance for loan losses is described separately. - FY2024MitigatedAnnual report
「Credit-related expenses decreased by ¥2,439 million from the previous consolidated fiscal year to ¥11,150 million, due mainly to the reversal of the general allowance for loan losses.」
Credit-related expenses decreased from ¥13,589 million in the previous fiscal year to ¥11,150 million. - FY2024-Q3WorsenedAnnual report
「Credit-related expenses (△) 6,232 6,941 709」
Credit-related expenses increased by ¥709 million from ¥6,232 million in the same period of the previous year to ¥6,941 million in the first 9-month period of the current third-quarter consolidated accounting period. Individual loan-loss provision expense also increased from ¥2,785 million to ¥4,239 million. - FY2024-Q2MitigatedAnnual report
「Credit-related expenses (△) 5,318 4,806 △512」
Credit-related expenses decreased by ¥512 million from ¥5,318 million in the same period of the previous year to ¥4,806 million, reducing the interim-period credit-cost burden year on year. - FY2024-Q1WorsenedAnnual report
「Due partly to an increase in credit-related expenses, ordinary income decreased by ¥18,338 million from the first three-month period of the previous first-quarter consolidated accounting period to ¥6,586 million.」
Credit-related expenses increased from a negative ¥1,027 million in the same period of the previous year, including a reversal gain on the allowance for loan losses, to ¥223 million, reflecting a higher credit-cost burden in the current quarter. - FY2023WorsenedAnnual report
「Credit-related expenses increased by ¥4,411 million from the previous consolidated fiscal year to ¥13,589 million, due partly to the反動 from the reversal of the allowance for loan losses in the previous consolidated fiscal year.」
Credit-related expenses increased by ¥4,411 million year on year to ¥13,589 million. The issues to address also identify the full-scale start of repayments of zero-zero loans as a source of uncertainty in the economic environment. - FY2023-Q3WorsenedAnnual report
「Although operating expenses decreased, ordinary income decreased by ¥7,566 million from the first 9-month period of the previous third-quarter consolidated accounting period to ¥66,773 million because credit-related expenses increased by ¥5,778 million.」
Credit-related expenses increased by ¥5,778 million year on year to ¥6,232 million, and the higher credit-cost burden was reflected in the 9-month results. - FY2023-Q2WorsenedAnnual report
「Although operating expenses decreased, ordinary income decreased by ¥9,524 million from the first six-month period of the previous second-quarter consolidated accounting period to ¥43,117 million because credit-related expenses increased by ¥7,995 million.」
Credit-related expenses increased by ¥7,995 million from a negative ¥2,677 million in the same period of the previous year, which included a reversal gain on the allowance for loan losses, to ¥5,318 million. The higher credit-cost burden was reflected in interim-period results. - FY2023-Q1WorsenedAnnual report
「Due to an increase in credit-related expenses and a decrease in gains and losses on equity and other securities, ordinary income decreased by ¥4,382 million from the first three-month period of the previous first-quarter consolidated accounting period to ¥24,924 million.」
Credit-related expenses changed from a negative ¥4,334 million in the same period of the previous year to a negative ¥1,027 million, indicating a relative increase in the credit-cost burden due partly to a smaller reversal gain on the allowance for loan losses. - FY2022Lower credit costs and increase in disclosed loansAnnual report
「Credit-related expenses decreased by ¥22,405 million from the previous consolidated fiscal year to ¥9,178 million, due mainly to a decline following the strict provisioning implemented in the previous consolidated fiscal year in preparation for the impact of the spread of COVID-19.」
While credit-related expenses decreased, total disclosed loans increased from ¥231,458 million to ¥239,919 million. Credit costs and movements in loan classifications diverged. - FY2022-Q3MitigatedAnnual report
「In addition to a decrease in operating expenses, credit-related expenses decreased by ¥7,893 million from the first 9-month period of the previous third-quarter consolidated accounting period. As a result, ordinary income increased by ¥21,367 million from that period to ¥74,339 million.」
Credit-related expenses decreased by ¥7,893 million year on year, from ¥8,347 million to ¥454 million. The credit-cost burden decreased year on year. - FY2022-Q2MitigatedAnnual report
「In addition to a decrease in operating expenses, credit-related expenses decreased by ¥8,380 million from the first six-month period of the previous second-quarter consolidated accounting period. As a result, ordinary income increased by ¥17,973 million from that period to ¥52,641 million.」
Credit-related expenses decreased by ¥8,380 million year on year, and the interim period included a ¥4,634 million reversal gain on the allowance for loan losses. The credit-cost burden decreased year on year. - FY2022-Q1MitigatedAnnual report
「In addition to a decrease in operating expenses, credit-related expenses decreased by ¥7,254 million from the first three-month period of the previous first-quarter consolidated accounting period. As a result, ordinary income increased by ¥13,010 million from that period to ¥29,306 million.」
Credit-related expenses decreased by ¥7,254 million year on year, and the first quarter included a ¥4,615 million reversal gain on the allowance for loan losses. The credit-cost burden decreased year on year. - FY2021WorsenedAnnual report
「Credit-related expenses increased by ¥5,217 million from the previous consolidated fiscal year to ¥31,583 million, due to strict provisioning in preparation for the spread of COVID-19 and additional precautionary provisions for certain business partners.」
Credit-related expenses increased from ¥26,366 million to ¥31,583 million due to preparations for the spread of the infection and additional precautionary provisions for certain business partners. - FY2021-Q3MitigatedAnnual report
「Credit-related expenses (△) 14,712 8,347 △6,365」
Credit-related expenses decreased by ¥6,365 million from ¥14,712 million in the same period of the previous year to ¥8,347 million, reducing the credit-cost burden for the first 9-month period of the current third-quarter consolidated accounting period year on year. - FY2021-Q2MitigatedAnnual report
「Although consolidated gross profit declined, ordinary income decreased by ¥8,725 million from the first six-month period of the previous second-quarter consolidated accounting period to ¥34,668 million, due partly to a decrease in credit-related expenses.」
Credit-related expenses decreased from ¥9,886 million in the same period of the previous year to ¥5,703 million, reducing the interim-period credit-cost burden year on year. Meanwhile, total risk-management loans increased. - FY2021-Q1MitigatedAnnual report
「Although credit-related expenses decreased by ¥2,028 million from the first three-month period of the previous first-quarter consolidated accounting period, ordinary income decreased by ¥4,697 million to ¥16,296 million, mainly because consolidated gross profit declined.」
Credit-related expenses decreased by ¥2,028 million year on year to ¥2,920 million in the current first quarter. Meanwhile, total risk-management loans increased from ¥199,976 million to ¥207,555 million. - FY2020WorsenedAnnual report
「Credit-related expenses increased by ¥16,530 million from the previous consolidated fiscal year to ¥26,366 million, due mainly to stricter provisioning in preparation for deterioration in borrowers’ cash flows and other factors, partly reflecting the impact of the spread of COVID-19, and a trend toward more new loan losses.」
Strengthened provisioning in preparation for deterioration in borrowers’ cash flows, including the impact of the spread of COVID-19, resulting in an increase in credit-related expenses from ¥9,836 million to ¥26,366 million. - FY2020-Q3WorsenedAnnual report
「Operating expenses increased by ¥1,272 million from the first 9-month period of the previous third-quarter consolidated accounting period, and credit-related expenses also increased by ¥11,878 million. As a result, ordinary income decreased by ¥8,379 million from the first 9-month period of the previous third-quarter consolidated accounting period to ¥60,509 million.」
Credit-related expenses increased by ¥11,878 million year on year to ¥14,712 million, and the higher credit-cost burden was reflected in the 9-month results. - FY2020-Q2WorsenedAnnual report
「Operating expenses increased by ¥977 million from the first six-month period of the previous second-quarter consolidated accounting period, and credit-related expenses also increased by ¥7,687 million. As a result, ordinary income decreased by ¥2,925 million from the first six-month period of the previous second-quarter consolidated accounting period to ¥43,393 million.」
Credit-related expenses increased by ¥7,687 million year on year to ¥9,886 million. The higher credit-cost burden was reflected in interim-period results. - FY2020-Q1WorsenedAnnual report
「Credit-related expenses (△) 1,454 4,948 3,494」
Credit-related expenses increased by ¥3,494 million from ¥1,454 million in the same period of the previous year to ¥4,948 million in the first quarter, reflecting a higher credit-cost burden. - FY2019MaterialisedAnnual report
「Credit-related expenses (△) 7,813 9,836 2,023」
Credit-related expenses increased by ¥2,023 million from ¥7,813 million in the previous fiscal year to ¥9,836 million, reflecting the impact of economic conditions, the financial environment and borrowers’ circumstances on credit costs in the full-year results. - FY2019-Q3MitigatedAnnual report
「Operating expenses decreased by ¥713 million from the first 9-month period of the previous third-quarter consolidated accounting period, and credit-related expenses also decreased by ¥3,489 million. However, because consolidated gross profit declined, ordinary income decreased by ¥6,098 million from the first 9-month period of the previous third-quarter consolidated accounting period to ¥68,888 million.」
Credit-related expenses decreased by ¥3,489 million year on year, reducing the credit-cost burden in the current quarter. - FY2019-Q2MitigatedAnnual report
「Operating expenses decreased by ¥490 million from the first six-month period of the previous second-quarter consolidated accounting period, and credit-related expenses also decreased by ¥1,861 million. However, because consolidated gross profit declined, ordinary income decreased by ¥5,088 million from the first six-month period of the previous second-quarter consolidated accounting period to ¥46,318 million.」
Credit-related expenses decreased by ¥1,861 million year on year. Although the risk of higher credit costs remains, the burden decreased in the current quarter. - FY2019-Q1MaterialisedAnnual report
「Credit-related expenses (△) 1,069 1,454 385」
Credit-related expenses increased by ¥385 million from ¥1,069 million in the same period of the previous year to ¥1,454 million in the current quarter, indicating that the impact on credit costs had materialized. - FY2018MaterialisedAnnual report
「Credit-related expenses increased, as the benefit from the reversal of the allowance for loan losses disappeared. However, due mainly to increases in consolidated gross profit, decreases in operating expenses and increases in gains and losses on equity and other securities, ordinary income increased by ¥854 million from the previous consolidated fiscal year to ¥98,022 million.」
Credit-related expenses increased from ¥277 million in the previous fiscal year to ¥7,813 million, reflecting the impact of economic conditions, the financial environment and borrowers’ circumstances on credit costs. - FY2017-Q3First statedAnnual report
「Our Group has been pursuing thorough disposal of non-performing loans based on rigorous self-assessments and diversification into smaller exposures by reducing loans to large borrowers. However, domestic and overseas economic trends, changes in the financial and economic environment, including the real estate and equity markets, and the business conditions of borrowers may affect our Group’s non-performing loans and credit-related expenses. In addition, if loan losses exceed the expected loss rate, or if the results of our Group’s self-assessments differ from the assessment results of inspections and examinations by the relevant authorities, additional provisioning may be required.」
Separately from measures to dispose of non-performing loans and diversify into smaller exposures, described the risk that economic conditions, financial markets and borrowers’ circumstances may affect non-performing loans and credit-related expenses, as well as the possibility of additional provisioning.