Credit Risk Associated with Non-Performing Loans, Loan-Loss Provisions and Deterioration in Borrowers’ Conditions
First written in FY2022-Q3. 8 of 17 entries say "Worsened", first in FY2022. Latest entry: 2026-07-30.
CCI Group moved to the "Worse" side of this theme in 2025, 5 years after the typical company in this theme (2020).
The whole theme swung hardest in 2020: 24 of 45 companies on the "Worse" side.
20 other companies' latest entry also says "Worsened".
- 2026-07-30WorsenedEarnings
「Disclosed claims under the Financial Reconstruction Act before partial direct write-offs increased by ¥3.0 billion year on year to ¥78.8 billion. Their ratio to total credit decreased by 0.10 percentage points year on year to 2.03%.」
The amount of disclosed claims increased from both the previous corresponding period and the previous fiscal year-end, indicating deterioration in the scale of credit risk. Meanwhile, the ratio to total credit declined. - FY2026WorsenedAnnual report
「Consolidated risk-monitored loans increased by ¥500 million from the end of the previous fiscal year to ¥77.2 billion.」
Consolidated risk-monitored loans increased from ¥76.7 billion at the end of the previous fiscal year to ¥77.2 billion. Loans with relaxed terms also increased from ¥4.3 billion to ¥8.0 billion. - FY2026-H1WorsenedAnnual report
「Total ¥76,760 million ¥78,447 million」
The total amount of consolidated risk-monitored loans increased from ¥76,760 million at the end of March 2025 to ¥78,447 million at the end of September 2025. Doubtful claims increased from ¥41,875 million to ¥42,076 million, and loans with relaxed terms increased from ¥4,324 million to ¥5,274 million. - FY2025WorsenedAnnual report
「Consolidated risk-monitored loans increased by ¥7.2 billion from the end of the previous fiscal year to ¥76.7 billion.」
Consolidated risk-monitored loans increased from ¥69.4 billion at the end of the previous fiscal year to ¥76.7 billion. Doubtful claims also increased from ¥33.7 billion to ¥41.8 billion. - FY2025-H1MitigatedAnnual report
「Total ¥69,462 million ¥69,220 million」
The total amount of consolidated risk-monitored loans decreased by ¥242 million from ¥69,462 million at the end of March 2024 to ¥69,220 million at the end of September 2024. - FY2024MitigatedAnnual report
「Consolidated risk-monitored loans decreased by ¥4.8 billion from the end of the previous fiscal year to ¥69.4 billion.」
Consolidated risk-monitored loans decreased from ¥74.3 billion at the end of the previous fiscal year to ¥69.4 billion. Meanwhile, bankrupt and reorganization claims and loans with relaxed terms increased. - FY2024-Q3MitigatedAnnual report
「Total ¥74,323 million ¥71,836 million」
The total amount of risk-monitored loans decreased from ¥74,323 million at the end of March 2023 to ¥71,836 million at the end of December 2023. - FY2024-Q2WorsenedAnnual report
「Total ¥74,323 million ¥75,467 million」
The total amount of risk-monitored loans increased by ¥1,144 million from ¥74,323 million at the end of March 2023 to ¥75,467 million at the end of September 2023. Bankrupt and reorganization claims also increased from ¥29,654 million to ¥33,307 million. - FY2024-Q1MitigatedAnnual report
「Total ¥74,323 million ¥74,200 million」
The total amount of risk-monitored loans decreased by ¥123 million from ¥74,323 million at the end of March 2023 to ¥74,200 million at the end of June 2023. - FY2023MitigatedAnnual report
「Consolidated risk-monitored loans decreased by ¥2.5 billion from the end of the previous fiscal year to ¥74.3 billion.」
Consolidated risk-monitored loans decreased from ¥76.8 billion at the end of the previous fiscal year to ¥74.3 billion. However, bankrupt and reorganization claims increased from ¥17.0 billion to ¥29.6 billion. - FY2023-Q3RestatedAnnual report
「Total ¥76,829 million ¥78,744 million」
The total amount of risk-monitored loans was ¥78,744 million at the end of December 2022, compared with ¥76,829 million at the end of March 2022. No major change in direction from the end of the previous quarter was indicated, and the balance remained above the fiscal year-end level. - FY2023-Q2WorsenedAnnual report
「Total ¥76,829 million ¥78,770 million」
The total amount of risk-monitored loans increased by ¥1,941 million from ¥76,829 million at the end of March 2022 to ¥78,770 million at the end of September 2022. - FY2023-Q1MitigatedAnnual report
「Total ¥76,829 million ¥74,256 million」
The total amount of risk-monitored loans, including loans with relaxed terms, decreased from ¥76,829 million at the end of March 2022 to ¥74,256 million at the end of June 2022. - FY2022WorsenedAnnual report
「Consolidated risk-monitored loans increased by ¥14.6 billion year on year to ¥76.8 billion.」
Consolidated risk-monitored loans increased from ¥62.1 billion to ¥76.8 billion, and balances of bankrupt and reorganization claims, doubtful claims and loans with relaxed terms also increased. - FY2022-Q3First statedAnnual report
「Non-performing loans may increase as a result of economic trends, fluctuations in real estate and stock prices, and deterioration in the financial condition of borrowers. If this results in credit costs exceeding current assumptions, it could adversely affect the Group's financial performance and financial condition.」
Changes in economic conditions, real estate and stock prices, and borrowers' financial conditions are identified as risks that could increase non-performing loans and credit costs.