Selective lending growth focused on risk-adjusted returns
First written in FY2017-Q1. 30 of 32 entries say "Advanced", first in FY2017-Q2. Latest entry: 2026-11-11.
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- FY2026AdvancedAnnual report
「Overseas lending decreased by $450 million year on year, or 5%. Overseas net interest income decreased by ¥6.6 billion, partly because market credit spreads tightened.」
While expanding domestic lending, we reduced overseas lending by $450 million. Overseas lending continued to be managed selectively in light of market conditions. - FY2026-H1AdvancedAnnual report
「Domestic business assets expanded mainly through corporate loans and LBO finance.」
We built up domestic business assets mainly through corporate loans and LBO finance. - FY2025AdvancedAnnual report
「For overseas corporate loans, centered on North America, we will continue to rebalance the portfolio flexibly to maintain diversification and asset quality.」
The annual report also clearly states the policy of continuing flexible rebalancing of overseas corporate loans while maintaining diversification and asset quality. - FY2025-H1Contraction of domestic and overseas lendingAnnual report
「Domestic (excluding the Special International Financial Transactions Account) 3,146,928 100.00 3,108,613 100.00 Overseas and the Special International Financial Transactions Account 971,256 100.00 858,909 100.00」
Year on year, domestic lending decreased from ¥3.1469 trillion to ¥3.1086 trillion, while overseas lending decreased from ¥971.3 billion to ¥858.9 billion. As a result of the selective lending strategy, outstanding balances contracted in both domestic and overseas markets. - FY2024-Q2AdvancedAnnual report
「Domestic (excluding the Special International Financial Transactions Account) 2,915,286 100.00 3,146,928 100.00 Overseas and the Special International Financial Transactions Account 933,495 100.00 971,256 100.00」
Domestic lending increased from ¥2.9152 trillion to ¥3.1469 trillion, while overseas lending increased from ¥933.4 billion to ¥971.3 billion. Outstanding lending expanded in both domestic and overseas markets. - FY2024-Q1AdvancedAnnual report
「Credit-related expenses totaled ¥900 million, comprising ¥300 million in specific provisions for overseas real estate non-recourse loans, ¥300 million in losses on sales resulting from the rebalancing of North American corporate loans, and ¥200 million in general provisions associated with the increase in the loan balance.」
Specific provisions for overseas real estate non-recourse loans and the rebalancing of North American corporate loans were undertaken, indicating concrete portfolio adjustments associated with the selective lending strategy. - FY2023-Q3AdvancedAnnual report
「・Domestic lending increased by ¥389.5 billion from the end of March and by ¥113.3 billion from the end of September. In the third quarter, the increase was centered on environmental finance and highly rated transactions. ・Overseas lending increased by $533 million from the end of March and by $271 million from the end of September. We cautiously and selectively originated transactions with favorable risk-return profiles while assessing overseas economic trends and changes in financial conditions.」
We built up domestic lending mainly through environmental finance and highly rated transactions, while selectively originating overseas transactions with favorable risk-return profiles after assessing market conditions. - FY2023-Q1AdvancedAnnual report
「・Domestic lending increased by ¥142.0 billion - Domestic balances were built up mainly through environmental finance and LBO loans ・Overseas lending stood at ¥1.3314 trillion, up ¥141.7 billion from the end of the previous fiscal year, or up $28 million on a U.S. dollar basis - We continued to originate transactions cautiously and selectively, focusing on those with favorable risk-return profiles.」
We built up domestic lending mainly through environmental finance and LBO loans, while cautiously and selectively originating overseas transactions with favorable risk-return profiles. Domestic lending increased by ¥142.0 billion and overseas lending by ¥141.7 billion. - FY2022-Q3AdvancedAnnual report
「The loan balance increased by ¥276.5 billion from the end of March 2021 to ¥3.2253 trillion Domestic lending increased by ¥209.2 billion Overseas lending increased by ¥67.3 billion, or $248 million on a U.S. dollar basis We built up new transactions in both domestic and overseas lending while maintaining stable lending spreads.」
We increased both domestic and overseas lending while securing stable lending spreads and building up new transactions. - FY2022-Q2AdvancedAnnual report
「・The loan balance increased by ¥195.9 billion from the end of March 2021 to ¥3.1447 trillion ・Domestic lending increased by ¥183.3 billion ・Overseas lending stood at ¥1.0268 trillion, up ¥12.6 billion from the end of March, or up $11 million on a U.S. dollar basis - New transactions progressed in the second quarter, increasing the balance by ¥41.5 billion from the end of June 2021, or $259 million on a U.S. dollar basis」
Both domestic and overseas lending increased, and new transactions progressed in the second quarter. - FY2022-Q1AdvancedAnnual report
「Overseas lending stood at ¥985.3 billion, down ¥28.9 billion from the end of the previous fiscal year, or down $247 million on a U.S. dollar basis. - While building up new transactions, the balance decreased slightly due to prepayments of North American corporate loans and collections of overseas real estate non-recourse loans.」
While building up new transactions, we reduced overseas lending to ¥985.3 billion through prepayments of North American corporate loans and collections of overseas real estate non-recourse loans. - FY2021AdvancedAnnual report
「Domestic lending increased by ¥65.5 billion. LBO loans and project finance increased from the end of the previous fiscal year, and the lending spread increased by 3 bps. Overseas lending stood at ¥1.0142 trillion, down ¥70.8 billion from the end of the previous fiscal year, or down $809 million on a U.S. dollar basis.」
We built up LBO loans and project finance domestically, while selectively managing overseas lending to reduce the outstanding balance. - FY2021-Q3AdvancedAnnual report
「Overseas lending stood at ¥970.4 billion, down ¥114.5 billion from the end of March 2020, or down $591 million on a U.S. dollar basis. - The decrease reflected the rebalancing of North American corporate loans and collections of overseas real estate non-recourse loans.」
We reduced overseas lending through the rebalancing of North American corporate loans and collections of overseas real estate non-recourse loans. - FY2021-Q2AdvancedAnnual report
「Overseas lending stood at ¥1.0133 trillion, down ¥71.7 billion from the end of March 2020. We maintained rigorous monitoring of the existing portfolio and rebalanced it mainly through North American corporate loans, improving portfolio quality.」
We reduced overseas lending by ¥71.7 billion and rebalanced the portfolio, mainly through North American corporate loans, to improve its quality. - FY2021-Q1AdvancedAnnual report
「Domestic lending increased by ¥42.8 billion from the end of the previous fiscal year, mainly due to COVID-19 support loans. For overseas lending, we have maintained rigorous risk management and originated loans cautiously and selectively, including the continued sale of some North American corporate loans to improve asset quality and risk resilience in the lending portfolio. The balance at the end of the quarter decreased by ¥17.6 billion.」
Domestic lending increased by ¥42.8 billion due to COVID-19 support loans, while overseas lending was managed cautiously and selectively, with continued sales of North American corporate loans. - FY2020-Q3AdvancedAnnual report
「For overseas lending, we continued to originate loans selectively while maintaining rigorous risk management, and also rebalanced part of our North American corporate loan portfolio to improve asset quality and risk resilience. The balance at the end of the quarter decreased by ¥10.2 billion from the end of March on a yen basis, but increased by $41 million on a U.S. dollar basis.」
Domestic lending increased by ¥168.8 billion. In overseas lending, we rebalanced part of our North American corporate loan portfolio, resulting in a ¥10.2 billion decrease on a yen basis but a $41 million increase on a U.S. dollar basis. - FY2020-Q2AdvancedAnnual report
「Loans and bills discounted increased by ¥58.5 billion, or 2.1%, from the end of March 2019 to ¥2.8384 trillion. Domestic lending increased by ¥90.1 billion from the end of March as we continued disciplined balance-sheet management. For overseas lending, we continued to originate loans selectively while maintaining rigorous risk management. The balance at the end of the interim period decreased by ¥31.5 billion from the end of March, and was broadly flat on a U.S. dollar basis.」
We continued rigorous risk management and a selective lending strategy. Domestic lending increased by ¥90.1 billion, while overseas lending decreased by ¥31.5 billion. - FY2020-Q1AdvancedAnnual report
「As we continued to focus on securing appropriate risk-adjusted returns, domestic lending increased by ¥19.9 billion from the end of the previous fiscal year while maintaining lending spreads. For overseas lending, we have maintained rigorous risk management and selectively originated loans, focusing mainly on North American corporate loans. The balance at the end of the quarter increased by $191 million from the end of the previous fiscal year, but decreased by ¥11.3 billion on a yen-equivalent basis.」
Domestic lending, with lending spreads maintained, increased by ¥19.9 billion, while overseas lending, centered on North American corporate loans and subject to risk management, increased by $191 million on a U.S. dollar basis. - FY2019AdvancedAnnual report
「For overseas lending, we have been closely monitoring market developments and selectively building our portfolio from a risk-return perspective, focusing mainly on North American corporate loans. The balance at the end of the fiscal year increased by ¥119.5 billion from the end of the previous fiscal year, or $686 million on a U.S. dollar basis.」
We selectively built up North American corporate loans while monitoring the market, increasing overseas lending by ¥119.5 billion, or $686 million on a U.S. dollar basis. - FY2019-Q3AdvancedAnnual report
「Domestic lending increased by ¥2.1 billion from the end of March as we continued disciplined balance-sheet management. For overseas lending, we have been closely monitoring market developments while maintaining rigorous risk management, and selectively building our portfolio from a risk-return perspective, focusing mainly on North American corporate loans. The balance at the end of the quarter increased by ¥73.5 billion from the end of March, or $278 million on a U.S. dollar basis.」
We continued our risk management and selective lending strategy. Domestic lending increased by ¥2.1 billion and overseas lending by ¥73.5 billion, or $278 million on a U.S. dollar basis. - FY2019-Q2AdvancedAnnual report
「For overseas lending, we continued to selectively build our portfolio, focusing mainly on North American corporate loans and real estate non-recourse loans with favorable risk-return profiles. The balance increased by ¥75.1 billion from the end of March, or $72 million on a U.S. dollar basis.」
Under a selective lending strategy, overseas lending increased by ¥75.1 billion, or $72 million on a U.S. dollar basis. Meanwhile, domestic lending decreased by ¥31.9 billion. - FY2019-Q1AdvancedAnnual report
「For overseas lending, we continued to selectively build our portfolio, focusing mainly on North American corporate loans and real estate non-recourse loans with favorable risk-return profiles. However, due in part to a large prepayment, the U.S. dollar-denominated loan balance, excluding the impact of exchange-rate movements, decreased by $227 million from the end of the previous fiscal year.」
We continued our selective lending strategy. Domestic lending increased by ¥9.6 billion and overseas lending by ¥13.9 billion from the end of the previous fiscal year. Meanwhile, the U.S. dollar-denominated balance of overseas lending decreased by $227 million, mainly due to large prepayments. - FY2018-Q3AdvancedAnnual report
「Domestic lending decreased by ¥8.8 billion from the end of March, but increased by ¥23.4 billion in the October–December quarter, following the increase in the July–September quarter, as the bank continued to operate with a focus on securing appropriate risk-adjusted returns. Overseas lending increased by ¥113.4 billion from the end of March, or by $943 million on a U.S. dollar basis, as the bank selectively expanded lending, mainly through North American corporate loans and real estate non-recourse loans offering attractive risk-adjusted returns.」
Under a selective lending strategy, domestic lending declined from fiscal year-end levels but increased quarter on quarter, while overseas lending increased by ¥113.4 billion, or $943 million on a U.S. dollar basis. - FY2018-Q2AdvancedAnnual report
「Domestic lending decreased by ¥32.2 billion from the end of March, although it increased by ¥22.0 billion from the end of June, as the bank continued to operate with a focus on securing appropriate risk-adjusted returns. Overseas lending increased by ¥66.1 billion from the end of March, or by $548 million on a U.S. dollar basis, as the bank selectively expanded lending, mainly through North American corporate loans and real estate non-recourse loans offering attractive risk-adjusted returns.」
Under a selective lending strategy, domestic lending decreased by ¥32.2 billion, while overseas lending increased by ¥66.1 billion, or by $548 million on a U.S. dollar basis. - FY2018-Q1AdvancedAnnual report
「Domestic lending decreased by ¥54.2 billion from the end of the previous fiscal year as the bank continued to operate with a focus on securing appropriate risk-adjusted returns. Overseas lending increased by ¥46.8 billion, or by $431 million on a U.S. dollar basis, as the bank selectively expanded lending, mainly through North American corporate loans and real estate non-recourse loans offering attractive risk-adjusted returns.」
Under a selective lending strategy, domestic lending decreased by ¥54.2 billion, while overseas lending increased by ¥46.8 billion, or by $431 million on a U.S. dollar basis. - FY2017-Q3AdvancedAnnual report
「Domestic lending increased by ¥18.0 billion from the end of March as the bank continued to operate with a focus on securing appropriate risk-adjusted returns. Overseas lending increased by ¥64.5 billion from the end of March, or by $310 million on a U.S. dollar basis, as the bank continued to selectively originate loans, mainly North American corporate loans and real estate non-recourse loans offering attractive risk-adjusted returns.」
Under a selective lending strategy, domestic lending increased by ¥18.0 billion, while overseas lending increased by ¥64.5 billion, or $310 million on a U.S. dollar basis. - FY2017-Q2AdvancedAnnual report
「Domestic lending increased by ¥18.5 billion from the end of March as the bank continued to operate with a focus on securing appropriate risk-adjusted returns. Overseas lending increased by $302 million from the end of March on a U.S. dollar basis, or decreased by ¥54.7 billion on a yen-converted basis, as the bank selectively expanded lending, mainly through North American corporate loans and real estate non-recourse loans offering attractive risk-adjusted returns.」
Domestic lending increased by ¥18.5 billion, while overseas lending increased by $302 million on a U.S. dollar basis, demonstrating the results of selective lending growth. - FY2017-Q1First statedAnnual report
「Domestic lending increased by ¥36.7 billion from the end of the previous fiscal year, driven by higher balances in manufacturing, information and communications, and other sectors. The bank continues to operate with a focus on securing appropriate risk-adjusted returns. Overseas lending increased by $32 million from the end of the previous fiscal year on a U.S. dollar basis, or decreased by ¥68.6 billion on a yen-converted basis, as the bank selectively expanded lending, mainly through North American corporate loans and real estate non-recourse loans offering attractive risk-adjusted returns.」
In Japan, the bank focuses on securing appropriate risk-adjusted returns, while overseas it is selectively expanding North American corporate loans and real estate non-recourse loans.