Credit risk arising from deterioration in borrowers’ business performance and declines in collateral values
First written in FY2021-Q3. 10 of 17 entries say "Worsened", first in FY2022-Q2. Latest entry: 2026-08-04.
Hirogin Holdings moved to the "Worse" side of this theme in 2023, 2 years after the typical company in this theme (2021).
The whole theme swung hardest in 2019: 6 of 18 companies on the "Worse" side.
2 other companies' latest entry also says "Other".
- 2026-08-04OtherResults
「小計 930 △3 933 正常債権 80,295 △2,349 82,644 合計 81,225 △2,352 83,577 不良債権比率 1.14％ 0.02％ 1.12％」
開示債権の小計および合計は前期末から減少した一方、不良債権比率は1.12％から1.14％へ上昇しており、指標の動きは一方向ではない。 - FY2026WorsenedAnnual report
「Total ¥83,670 million ¥94,652 million」
The total amount of risk-monitored loans increased from ¥83,670 million at the end of March 2025 to ¥94,652 million at the end of March 2026. Doubtful claims also increased from ¥45,233 million to ¥57,549 million. - 2026-05-13WorsenedRevision to earnings forecast
「小計 94,652 10,982 83,670 不良債権比率 1.14％ 0.10％ 1.04％」
連結ベースの金融再生法開示債権額が前年同期末比で増加し、不良債権比率も1.04％から1.14％へ上昇している。 - FY2026-H1MitigatedAnnual report
「Amount of claims in bankruptcy or reorganisation proceedings and similar claims ¥8,311 million Amount of doubtful claims ¥50,632 million Amount of loans past due three months or more ¥2,073 million Amount of restructured loans ¥22,524 million Total ¥83,541 million」
The total amount of risk-monitored loans decreased slightly from ¥83,670 million at the end of March 2025 to ¥83,541 million at the end of September 2025. Although doubtful claims and restructured loans also decreased, the Group recorded a provision for loan losses of ¥3,279 million and loan write-offs of ¥937 million during the current interim period. - FY2025-H1MitigatedAnnual report
「Total 99,048 million yen 96,096 million yen」
The total amount of risk-monitored loans decreased from ¥99,048 million at the end of March 2024 to ¥96,096 million at the end of September 2024. Doubtful claims also decreased from ¥56,320 million to ¥51,085 million, and no provision for loan losses was recorded for the current interim period. - FY2024WorsenedAnnual report
「Total 86,150 million yen 99,048 million yen」
The total amount of risk-monitored loans increased from ¥86,150 million at the end of March 2023 to ¥99,048 million at the end of March 2024. Doubtful claims amounted to ¥56,320 million, while the provision for loan losses amounted to ¥13,907 million, indicating that the realised impact of credit risk is growing. - FY2024-Q3WorsenedAnnual report
「Amount of claims in bankruptcy or reorganisation proceedings and similar claims ¥6,955 million ¥6,877 million Amount of doubtful claims ¥48,306 million ¥48,585 million Amount of loans past due three months or more ¥1,909 million ¥2,385 million Amount of restructured loans ¥28,977 million ¥39,134 million Total ¥86,150 million ¥96,982 million」
The total amount of risk-monitored loans increased from ¥86,150 million at the end of March 2023 to ¥96,982 million at the end of December 2023. The provision for loan losses also increased from ¥1,105 million in the same period of the previous year to ¥6,923 million, indicating that the realised impact of credit risk is growing. - FY2024-Q2WorsenedAnnual report
「Total 86,150 million yen 89,207 million yen」
The total amount of risk-monitored loans increased from ¥86,150 million at the end of March 2023 to ¥89,207 million at the end of September 2023. The provision for loan losses also increased to ¥3,866 million, from ¥824 million in the same period of the previous year. - FY2024-Q1WorsenedAnnual report
「Total 86,150 million yen 87,537 million yen」
The total amount of risk-monitored loans increased from ¥86,150 million at the end of March 2023 to ¥87,537 million at the end of June 2023. Loans past due three months or more and restructured loans also increased, and the Group recorded a provision for loan losses of ¥1,154 million and loan write-offs of ¥319 million in the first quarter. - FY2023-Q3WorsenedAnnual report
「Total 85,398 million yen 89,006 million yen」
The total amount of risk-monitored loans increased from ¥85,398 million at the end of March 2022 to ¥89,006 million at the end of December 2022. By category, doubtful claims increased from ¥37,271 million to ¥40,160 million, while restructured loans increased from ¥36,525 million to ¥38,099 million. - FY2023-Q2WorsenedAnnual report
「Total 85,398 million yen 86,084 million yen」
The total amount of risk-monitored loans increased from ¥85,398 million at the end of March 2022 to ¥86,084 million at the end of September 2022. By category, doubtful claims increased from ¥37,271 million to ¥40,059 million. - FY2023-Q1MitigatedAnnual report
「Amount of claims in bankruptcy or reorganisation proceedings and similar claims ¥6,734 million Amount of doubtful claims ¥38,811 million Amount of loans past due three months or more ¥2,209 million Amount of restructured loans ¥37,075 million Total ¥84,831 million」
The total amount of risk-monitored loans decreased from ¥85,398 million at the end of March 2022 to ¥84,831 million at the end of June 2022. In the first quarter, the Group also recorded a reversal of the allowance for loan losses of ¥313 million. - FY2022WorsenedAnnual report
「Although there were no material changes to the assumptions at the end of the current consolidated fiscal year, the assumptions were revised to reflect the increased likelihood of higher credit risk going forward for debtors in certain industries significantly affected by COVID-19.」
The total amount of risk-monitored loans decreased to ¥85,398 million from ¥91,210 million in the previous fiscal year, while the revised assumption that credit risk would increase in certain industries resulted in an additional ¥7,549 million each in the allowance for loan losses and the provision for loan losses. - FY2022-Q3MitigatedAnnual report
「Total 89,634 million yen 95,410 million yen」
The total amount of risk-monitored loans increased from ¥89,634 million at the end of March 2021 to ¥95,410 million at the end of December 2021, but decreased from ¥97,192 million at the end of the previous interim period. Credit risk remains above the level at the end of the fiscal year. - FY2022-Q2WorsenedAnnual report
「Total 89,634 million yen 97,192 million yen」
The total amount of watchlist claims and other claims identified in the asset assessment increased from ¥89,634 million at the end of the previous consolidated fiscal year to ¥97,192 million at the end of the current interim consolidated accounting period. By category, doubtful claims increased from ¥45,600 million to ¥52,300 million, while restructured loans increased from ¥24,556 million to ¥36,069 million. - FY2021MaterialisedAnnual report
「Credit costs increased by ¥6.8 billion year on year to ¥11.2 billion, reflecting both the impact of the spread of COVID-19 and additional precautionary provisions for certain business partners.」
Credit risk associated with deterioration in borrowers’ business performance and other factors has materialised through additional precautionary provisions and ¥11.2 billion in credit costs. - FY2021-Q3First statedAnnual report
「The Group’s non-performing loans may increase due to fluctuations in the global economy, domestic economic trends, the rise and decline of industries, fluctuations in real estate and stock prices, and the business conditions of borrowers.」
The disclosure describes management methods including the allowance for loan losses, the cash flow estimation method, asset assessments and audits, while noting the possibility of higher credit costs if actual conditions diverge from the assumptions.