Credit risk on loans and higher credit costs
First written in FY2017-Q3. 14 of 30 entries say "Worsened", first in FY2019-Q3. Latest entry: 2026-11-10.
Nishi-Nippon Financial Holdings moved to the "Worse" side of this theme in 2019, 1 year before the typical company in this theme (2020).
The whole theme swung hardest in 2020: 30 of 55 companies on the "Worse" side.
24 other companies' latest entry also says "Mitigated".
- 2026-11-10MitigatedResults
「信用コスト D+E △ 923 △ 1,856 2,779 7,535」
連結信用コストは前年同期の27億79百万円から9億23百万円へ減少した。 - FY2026WorsenedAnnual report
「Credit costs (△) 5,831 7,535 1,703」
Credit costs increased from ¥5.831 billion in the previous fiscal year to ¥7.535 billion. The provision for loan losses also increased from ¥4.398 billion to ¥6.430 billion. - 2026-05-12WorsenedRevision to earnings forecast
「信用コスト D+E △ 7,535 1,704 5,831」
信用コストは前年度の58億31百万円から75億35百万円へ増加した。 - FY2026-H1WorsenedAnnual report
「Provision for loan losses 1,585 million yen 2,175 million yen Loan write-offs 383 million yen 454 million yen」
Compared with the first six months of the previous year, the provision for loan losses increased from ¥1.585 billion to ¥2.175 billion, and loan write-offs increased from ¥383 million to ¥454 million. - FY2025MitigatedAnnual report
「Credit costs (△) 6,649 5,831 △818」
Credit costs decreased from ¥6.649 billion in the previous fiscal year to ¥5.831 billion. The provision for loan losses also decreased from ¥5.036 billion to ¥4.398 billion. - FY2025-H1MitigatedAnnual report
「Provision for loan losses 1,599 million yen 1,585 million yen Loan write-offs 574 million yen 383 million yen」
Compared with the first six months of the previous year, the provision for loan losses decreased from ¥1.599 billion to ¥1.585 billion, and loan write-offs decreased from ¥574 million to ¥383 million. - FY2024-Q3WorsenedAnnual report
「Provision for loan losses 1,091 million yen 2,578 million yen」
The provision for loan losses increased from ¥1.091 billion in the nine-month cumulative period of the previous year to ¥2.578 billion in the nine-month consolidated cumulative period of the current year. The assumption that COVID-19 would affect credit risk related to loans and other assets continues without any material change. - FY2024-Q2WorsenedAnnual report
「Provision for loan losses 757 million yen 1,599 million yen Loan write-offs 713 million yen 574 million yen」
Compared with the first six months of the previous year, the provision for loan losses increased from ¥757 million to ¥1.599 billion. Loan write-offs decreased from ¥713 million to ¥574 million. - FY2024-Q1WorsenedAnnual report
「Loan write-offs 210 million yen 213 million yen」
Loan write-offs increased slightly from ¥210 million in the same quarter of the previous year to ¥213 million in the first quarter of the current year. The assumption that COVID-19 would affect credit risk related to loans and other assets also continues without any material change. - FY2023MitigatedAnnual report
「Credit costs (△) 3,949 4,030 △81」
Credit costs decreased from ¥4.030 billion in the previous fiscal year to ¥3.949 billion. Provisions for loan losses also decreased from ¥4.2473 billion to ¥4.0455 billion. - FY2023-Q3MitigatedAnnual report
「Provision for loan losses 1,598 million yen 1,091 million yen Loan write-offs 1,081 million yen 928 million yen」
Compared with the same cumulative quarter of the previous year, both the provision for loan losses and loan write-offs decreased. The assumption that COVID-19 would affect credit risk related to loans and other assets continues. - FY2023-Q1MitigatedAnnual report
「Provision for loan losses 282 million yen 59 million yen」
The provision for loan losses decreased from ¥282 million in the same quarter of the previous year to ¥59 million in the first quarter of the current year, reducing the impact of credit costs. The assumption itself that COVID-19 would affect credit risk related to loans and other assets continues. - FY2022MitigatedAnnual report
「Credit costs (△) 4,030 9,452」
Credit costs decreased from ¥9.452 billion in the previous fiscal year to ¥4.030 billion, while the provision for loan losses decreased from ¥6.218 billion to ¥1.939 billion. - FY2022-Q3MitigatedAnnual report
「Provision for loan losses 1,939 million yen 1,598 million yen」
The provision for loan losses decreased from ¥1.939 billion in the nine-month consolidated period of the previous year to ¥1.598 billion in the nine-month consolidated period of the current year. Meanwhile, the assumption that COVID-19 would affect credit risk related to loans and other assets continues. - FY2022-Q2MitigatedAnnual report
「Reversal of provision for loan losses — million yen 316 million yen」
No reversal of provision for loan losses was recorded in the first six months of the previous year, whereas ¥316 million was recorded in the first six months of the current year. The provision for loan losses decreased by ¥1.823 billion, reducing the impact of credit costs from provisioning. Meanwhile, loan write-offs increased from ¥693 million in the same period of the previous year to ¥843 million. - FY2022-Q1MitigatedAnnual report
「Provision for loan losses 2,156 million yen 282 million yen」
The provision for loan losses decreased from ¥2.156 billion in the same quarter of the previous year to ¥282 million in the first quarter of the current year, while loan write-offs also decreased from ¥318 million to ¥253 million. Meanwhile, the assumption that COVID-19 would affect credit risk related to loans and other assets continues without any material change. - FY2021WorsenedAnnual report
「In light of the impact of COVID-19, the subsidiary bank is increasing its provisions for loan losses.」
The provision for loan losses increased from ¥3.843 billion in the previous fiscal year to ¥6.218 billion, while credit costs increased from ¥6.445 billion to ¥9.452 billion. The increase in provisions in response to the impact of COVID-19 was ¥4.742 billion. - FY2021-Q3MitigatedAnnual report
「Provision for loan losses 3,264 million yen 1,939 million yen」
The provision for loan losses decreased from ¥3.264 billion in the nine-month consolidated period of the previous year to ¥1.939 billion in the nine-month consolidated period of the current year. Loan write-offs also decreased from ¥1.356 billion to ¥1.048 billion. Meanwhile, the assumption that COVID-19 would affect credit risk related to loans and other assets continues without any material change. - FY2021-Q2WorsenedAnnual report
「Provision for loan losses 2,363 million yen 3,542 million yen」
The provision for loan losses increased from ¥2.363 billion in the first six months of the previous year to ¥3.542 billion in the first six months of the current year. The assumption that COVID-19 would affect credit risk related to loans and other assets continues without any material change. - FY2021-Q1WorsenedAnnual report
「The assumption is that the impact of the slowdown in economic activity resulting from the spread of COVID-19 will continue into the fiscal year ending March 2021 and will have a certain impact, particularly on credit risk related to loans and other assets.」
The impact of COVID-19 was assumed to continue into the fiscal year ending March 2021 and affect credit risk related to loans and other assets. The provision for loan losses also increased from ¥992 million in the previous period to ¥2.156 billion. - FY2020MaterialisedAnnual report
「In light of the impact of COVID-19, the bank subsidiaries are increasing their provisions for loan losses.」
In response to the materialization of credit risk, provisions for loan losses were increased by approximately ¥1.1 billion. Credit costs also increased from ¥5.519 billion in the previous fiscal year to ¥6.445 billion. - FY2020-Q3WorsenedAnnual report
「Provision for loan losses 1,745 million yen 3,264 million yen」
The provision for loan losses increased from ¥1.745 billion in the nine-month consolidated period of the previous year to ¥3.264 billion in the nine-month consolidated period of the current year. Loan write-offs also increased from ¥1.143 billion to ¥1.356 billion, with the deterioration in credit costs reflected in the figures. - FY2020-Q2WorsenedAnnual report
「Provision for loan losses 279 million yen 2,363 million yen」
The provision for loan losses increased from ¥279 million in the first six months of the previous year to ¥2.363 billion in the first six months of the current year. Loan write-offs also increased from ¥743 million to ¥1.015 billion, with the deterioration in credit costs reflected in the figures. - FY2020-Q1WorsenedAnnual report
「Provision for loan losses — 992 million yen」
No provision for loan losses was recorded in the same quarter of the previous year, while ¥992 million was recorded in the first quarter of the current fiscal year. This figure indicates deterioration in credit costs. - FY2019WorsenedAnnual report
「Credit costs (△) 5,519 3,068 2,450」
Credit costs increased by ¥2.450 billion, from ¥3.068 billion in the previous consolidated fiscal year to ¥5.519 billion. A provision for loan losses of ¥2.735 billion was also recorded. - FY2019-Q3WorsenedAnnual report
「Provision for loan losses 856 million yen 1,745 million yen」
The provision for loan losses increased from ¥856 million in the same quarter of the previous year to ¥1.745 billion. Loan write-offs also increased from ¥1.117 billion to ¥1.143 billion. - FY2019-Q2MitigatedAnnual report
「Ordinary profit decreased by ¥534 million from the first six months of the previous consolidated fiscal year to ¥18.816 billion, mainly due to a decrease in gains and losses related to shares and other securities, despite lower credit costs.」
Credit costs decreased by ¥489 million, from ¥1.384 billion in the same quarter of the previous year to ¥895 million in the current quarter. - FY2018MitigatedAnnual report
「Ordinary profit increased by ¥69 million year on year to ¥33.937 billion, mainly due to lower credit costs, despite a decrease in gains and losses related to shares and other securities.」
Credit costs decreased from ¥4.409 billion in the previous consolidated fiscal year to ¥3.068 billion, indicating that the impact of credit risk on loans declined in the current fiscal year. - FY2017RestatedAnnual report
「If the creditworthiness of borrowers deteriorates, collateral values decline significantly or other unforeseen problems arise, credit costs may increase through unexpected write-offs and additional provisions for loan losses, potentially adversely affecting the Group's financial condition and performance.」
The explanation of credit risk on loans and higher credit costs is repeated. - FY2017-Q3First statedAnnual report
「Credit risk on loans, one of the principal risks facing the Group, may increase credit costs through unexpected write-offs and additional provisions for loan losses if the creditworthiness of borrowers deteriorates, collateral values decline significantly or other unforeseen problems arise, potentially adversely affecting the Group's financial condition and performance.」
The risks of credit costs arising through borrower creditworthiness, collateral values, non-performing loans and provisions for loan losses are identified.