Credit risk associated with non-performing loans, allowances for doubtful accounts, and credit concentration
First written in FY2023-Q3. 4 of 12 entries say "Materialised", first in FY2023. Latest entry: 2026-08-14.
Aichi Financial Group 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.
8 other companies' latest entry also says "Mitigated".
- 2026-08-14MitigatedFinancial results
「Total (A) 82,158 81,393 △764」
The total of risk-monitored loans decreased from ¥82,158 million for the fiscal year ended March 2026 to ¥81,393 million for the fiscal year ended June 2026, and the ratio to total credit exposure declined from 1.63% to 1.62%. - FY2026MitigatedAnnual report
「Subtotal ¥89,635 million ¥82,158 million」
The subtotal of problem loans before deducting the allowance for loan losses decreased from ¥8,963.5 billion at the end of the previous fiscal year to ¥8,215.8 billion, and bankrupt and reorganisation claims and potentially risky claims also decreased. - 2026-05-15MitigatedFinancial results
「Total (A) 89,635 82,158 △7,477」
The total of consolidated risk-monitored loans decreased from ¥89,635 million in the previous consolidated fiscal year to ¥82,158 million. - FY2026-H1MitigatedAnnual report
「Subtotal ¥89,635 million ¥88,529 million」
The subtotal of problem loans before deducting the allowance for loan losses decreased from ¥89,635 million at the end of the previous consolidated fiscal year to ¥88,529 million. A reversal of the allowance for loan losses of ¥1,364 million was also recorded. - FY2025WorsenedAnnual report
「Bankrupt and reorganisation claims and similar claims: ¥19,557 million; potentially risky claims: ¥62,509 million; claims requiring special monitoring: ¥7,568 million; subtotal: ¥89,635 million.」
The subtotal of problem loans before deducting the allowance for loan losses increased from ¥88,852 million in the previous fiscal year to ¥89,635 million. - FY2025-H1RestatedAnnual report
「Subtotal ¥88,852 million ¥88,029 million」
The subtotal of problem loans before deducting the allowance for loan losses decreased from ¥88,852 million at the end of the previous consolidated fiscal year to ¥88,029 million. No provision for loan losses was recorded during the interim consolidated accounting period, while a reversal of the allowance for loan losses of ¥524 million was disclosed. No material changes were reported in business and other risks. - FY2024WorsenedAnnual report
「Bankrupt and reorganisation claims and similar claims: ¥14,555 million; potentially risky claims: ¥64,780 million; claims requiring special monitoring: ¥9,516 million; subtotal: ¥88,852 million.」
While provision for loan losses decreased, the subtotal of problem loans before deducting the allowance for loan losses increased from ¥87,914 million in the previous fiscal year to ¥88,852 million. - FY2024-Q3MaterialisedAnnual report
「Provision for loan losses ¥1,167 million ¥1,766 million」
During the nine-month period ended [date], ¥1,766 million was recorded as provision for loan losses. The total amount of receivables before deducting the allowance for loan losses was ¥89,293 million, and the company disclosed the costs related to credit risk and the balance of receivables. - FY2024-Q2MaterialisedAnnual report
「Provision for loan losses ¥1,111 million」
During the interim consolidated accounting period, ¥1,111 million was recorded as provision for loan losses, and costs related to credit risk continued to be incurred. - FY2024-Q1MaterialisedAnnual report
「Provision for loan losses ¥351 million」
A provision for loan losses of ¥351 million was recognized in the cumulative consolidated first-quarter period. The total amount of receivables before deducting the allowance for loan losses was ¥89,988 million. - FY2023MaterialisedAnnual report
「As a result of this change in estimate, the allowance for loan losses at the end of the current consolidated fiscal year increased by ¥2,981 million, while ordinary income and profit before income taxes decreased by the same amount.」
This states that an additional provision for loan losses to cover credit risk was actually recognized, reducing profit. - FY2023-Q3First statedAnnual report
「Depending on economic conditions, declines in real estate prices, and changes in the financial condition of borrowers to whom the group provides loans, the group's non-performing loans and credit-related expenses may increase. This could affect the group's business results, weaken its financial condition, and potentially reduce its capital.」
This includes non-performing loans, loan-loss provisions, credit concentration in specific borrowers and industries, and the credit risk of securities.