Additional Credit-Related Expenses from Borrower Deterioration and Declining Collateral Values
First written in FY2023-Q1. 5 of 9 entries say "Worsened", first in FY2023. Latest entry: 2026-08-05.
Procrea Holdings moved to the "Worse" side of this theme in 2023, 1 year after the typical company in this theme (2022).
The whole theme swung hardest in 2019: 6 of 14 companies on the "Worse" side.
1 other company's latest entry also says "Other".
- 2026-08-05OtherEarnings
「At-risk claims 389 12 3 377 386」
Standalone at-risk claims at 青森みちのく銀行 increased to ¥38.9 billion from ¥38.6 billion at 31 March 2026, while total disclosed claims decreased from ¥65.5 billion to ¥64.5 billion, showing divergent movements across the indicators. - FY2026WorsenedAnnual report
「Potentially dangerous claims: ¥38,552 million; claims past due 3 months or more: ¥244 million; restructured loans: ¥7,880 million; total: ¥66,871 million」
On a consolidated basis, watchlist and non-performing loan-related amounts increased from ¥65,554 million in the previous fiscal year to ¥66,871 million. At 青森みちのく銀行 alone, potentially dangerous claims increased from ¥36.5 billion to ¥38.6 billion. - 2026-05-15WorsenedEarnings
「Financial Rehabilitation Act-disclosed claims at the end of the fiscal year decreased by ¥1 billion from the end of the previous fiscal year to ¥65.4 billion, as claims in bankruptcy and reorganization or similar claims and claims requiring management decreased, while at-risk claims increased.」
Financial Rehabilitation Act-disclosed claims at the standalone level of 青森みちのく銀行 increased from the end of the previous fiscal year, with the increase attributed to higher at-risk claims. - FY2026-H1WorsenedAnnual report
「Bankrupt and reorganization claims and similar claims: ¥20,598 million; potentially dangerous claims: ¥38,917 million; claims past due 3 months or more: ¥61 million; restructured loans: ¥8,861 million; total: ¥68,438 million」
On a consolidated basis, watchlist and non-performing loan-related amounts increased from ¥65,554 million as of March 2025 to ¥68,438 million. - FY2025WorsenedAnnual report
「Bankrupt and reorganization claims and similar claims: ¥20,370 million; potentially dangerous claims: ¥36,489 million; claims past due 3 months or more: ¥118 million; restructured loans: ¥8,576 million; total: ¥65,554 million」
On a consolidated basis, watchlist and non-performing loan-related amounts increased from ¥61,785 million in the previous fiscal year to ¥65,554 million. - FY2023WorsenedAnnual report
「In the consolidated fiscal year under review, credit costs increased in connection with the standardization of amortization and provisioning criteria and other policies in anticipation of the future bank merger.」
Against a backdrop of borrowers' conditions and the standardization of provisioning criteria, credit costs for the fiscal year reached ¥3,763 million, quantifying the impact of credit risk. - FY2023-Q3RestatedAnnual report
「Our Group's non-performing loans may increase due to economic trends in Aomori Prefecture, our operating base, changes in the business conditions of borrowers, declines in real estate prices and other factors. This may result in expenses for the disposal of non-performing loans and adversely affect our Group's results of operations and financial condition.」
The description of credit risk arising from regional economic conditions, borrowers' business conditions and real estate prices continues. - FY2023-Q2RestatedAnnual report
「Our Group's non-performing loans may increase due to economic trends in Aomori Prefecture, our operating base, changes in the business conditions of borrowers, declines in real estate prices and other factors. This may result in expenses for the disposal of non-performing loans and adversely affect our Group's results of operations and financial condition.」
The description of credit risk arising from regional economic conditions, borrowers' business conditions and real estate prices continues. - FY2023-Q1First statedAnnual report
「Our Group's non-performing loans may increase due to economic trends in Aomori Prefecture, our operating base, changes in the business conditions of borrowers, declines in real estate prices and other factors. This may result in expenses for the disposal of non-performing loans and adversely affect our Group's results of operations and financial condition.」
Regional economic conditions, borrowers' business conditions and real estate prices are described as key risks affecting non-performing loans and credit costs.