Credit Risk, Primarily Related to Loans
First written in FY2022-Q3. 7 of 15 entries say "Worsened", first in FY2023-Q3. Latest entry: 2026-08-14.
The whole theme swung hardest in 2020: 24 of 45 companies on the "Worse" side.
20 other companies' latest entry also says "Worsened".
- 2026-08-14WorsenedEarnings
「The balance of loans disclosed under the Financial Reconstruction Act for the consolidated おきなわフィナンシャルグループ increased by ¥1.3 billion from the end of the previous fiscal year to ¥28.9 billion, mainly due to an increase in loans to borrowers in bankruptcy or under rehabilitation proceedings resulting from deteriorating business conditions at borrowers. The disclosed-loan ratio rose by 0.08 percentage points to 1.44%.」
The balance of disclosed loans and the disclosed-loan ratio deteriorated from the end of the previous fiscal year, mainly due to an increase in loans to borrowers in bankruptcy or under rehabilitation proceedings. - FY2026MitigatedAnnual report
「Total amount ¥29,431 million ¥27,596 million」
The total amount of risk-monitored loans decreased from ¥2,943.1 million at the end of March 2025 to ¥2,759.6 million at the end of March 2026. Loans to borrowers at risk of default and loans with modified terms also decreased. - 2026-05-15MitigatedEarnings
「The total balance of loans requiring risk management was ¥27,596 million, a decrease of ¥1,835 million from the end of March 2025.」
The total balance of loans requiring risk management decreased from ¥29,431 million at the end of March 2025 to ¥27,596 million, while its share of total credit exposure also declined from 1.50% to 1.36%. - FY2026-H1MitigatedAnnual report
「Loans to bankrupt or rehabilitating borrowers and similar loans ¥13,274 million ¥17,042 million Loans to borrowers at risk of default ¥8,848 million ¥3,943 million Total amount ¥29,431 million ¥27,398 million」
The total amount of risk-monitored loans decreased from ¥2,943.1 million at the end of March 2025 to ¥2,739.8 million at the end of September 2025. Although loans to bankrupt or rehabilitating borrowers increased, loans to borrowers at risk of default and loans with modified terms decreased. - FY2025WorsenedAnnual report
「Loans to bankrupt or rehabilitating borrowers and similar loans ¥11,981 million ¥13,274 million Loans to borrowers at risk of default ¥6,023 million ¥8,848 million Total amount ¥26,935 million ¥29,431 million」
The total amount of risk-monitored loans increased from ¥2,693.5 million at the end of March 2024 to ¥2,943.1 million at the end of March 2025, while loans to bankrupt or rehabilitating borrowers and loans to borrowers at risk of default also increased. - FY2025-H1MitigatedAnnual report
「Total amount ¥26,935 million ¥25,799 million」
The total amount of risk-monitored loans decreased from ¥26,935 million at the end of March 2024 to ¥25,799 million at the end of September 2024. Although loans to bankrupt or rehabilitating borrowers increased, loans to borrowers at risk of default, loans overdue by 3 months or more and loans with modified terms decreased. - FY2024-Q3WorsenedAnnual report
「Total amount ¥19,918 million ¥26,629 million」
The total amount of risk-monitored loans increased by ¥6,711 million from ¥19,918 million at the end of March 2023 to ¥26,629 million at the end of December 2023. Loans to bankrupt or rehabilitating borrowers and similar loans, as well as loans with modified terms, also increased. - FY2024-Q2WorsenedAnnual report
「Total amount ¥19,918 million ¥26,220 million」
The total amount of risk-monitored loans increased by ¥6,302 million from ¥19,918 million at the end of March 2023 to ¥26,220 million at the end of September 2023. Loans to bankrupt or rehabilitating borrowers and loans with modified terms also increased. - FY2024-Q1WorsenedAnnual report
「Total amount ¥19,918 million ¥21,976 million」
The total amount of risk-monitored loans increased by ¥2,058 million from ¥19,918 million at the end of March 2023 to ¥21,976 million at the end of June 2023. Loans to borrowers at risk of default, loans overdue by 3 months or more and loans with modified terms also increased. - FY2023WorsenedAnnual report
「Total amount ¥19,695 million ¥19,918 million」
The total amount of risk-monitored loans increased from ¥19,695 million at the end of the previous consolidated fiscal year to ¥19,918 million, while loans to borrowers at risk of default also increased from ¥4,541 million to ¥6,199 million. - FY2023-Q3WorsenedAnnual report
「Total amount ¥19,695 million ¥19,719 million」
The total amount of risk-monitored loans increased by ¥24 million from ¥19,695 million at the end of the previous consolidated fiscal year to ¥19,719 million. The amount of loans to borrowers at risk of default also increased from ¥4,541 million to ¥5,799 million. - FY2023-Q2MitigatedAnnual report
「Total amount ¥19,695 million ¥18,521 million」
The total amount of risk-monitored loans and other assets decreased from ¥19,695 million at the end of March 2022 to ¥18,521 million at the end of September 2022. - FY2023-Q1MitigatedAnnual report
「Total amount ¥19,695 million ¥18,950 million」
The total amount of risk-monitored loans and other assets decreased from ¥19,695 million as of 31 March 2022 to ¥18,950 million as of 30 June 2022. - FY2022MaterialisedAnnual report
「For debtors in certain industry portfolios materially affected by the sharp decline in tourists visiting Okinawa Prefecture and requests to suspend operations resulting from the spread of COVID-19, whose business conditions are currently sound and whose financial condition is deemed to present no particular problems, the company estimated the expected deterioration in performance and applied an expected loss rate that adjusted its historical loss rate. As a result, it recorded an additional ¥850 million in allowance for loan losses at the end of the consolidated fiscal year.」
The company recorded an additional ¥850 million in allowance for loan losses for certain industry portfolios affected by the pandemic. - FY2022-Q3First statedAnnual report
「The company recognizes credit risk, primarily associated with loans, as the most material risk in terms of its impact.」
The company identifies declines in asset values and losses resulting from deterioration in the financial condition of borrowers and the economic environment as its principal risks.