Increase in Overseas Lending and Concentration in North America
First written in FY2019. 9 of 18 entries say "Worsened", first in FY2022-Q3. Latest entry: 2026-07-31.
Aozora Bank moved to the "Worse" side of this theme in 2022.
1 other company's latest entry also says "Worsened".
- 2026-07-31WorsenedFinancial Results Presentation
「海外貸出残高は2026/3末比+36百万ドルと微増」
海外貸出残高が前年度末から小幅に増加し、海外エクスポージャーが再拡大した。 - FY2026MitigatedAnnual report
「Overseas lending accounted for approximately 29% of the group’s total lending as of the end of March 2026. By region, approximately 86% of overseas lending was to North America, with the remainder directed to Asia and Europe.」
The ratio of overseas lending declined to approximately 29%, while the North American ratio also declined to approximately 86%. Management through country- and region-specific guidelines and loan sales has continued. - FY2026-H1WorsenedAnnual report
「Overseas and Special International Financial Transactions Account 858,909 100.00 910,245 100.00」
Overseas lending increased from ¥858.909 billion in the previous year to ¥910.245 billion, and overseas lending exposure expanded again. - FY2025Declining overseas lending ratio and rising concentration in North AmericaAnnual report
「Overseas lending, defined as lending for which the country of ultimate risk is outside Japan, on a consolidated basis, accounted for approximately 31% of the group’s total lending as of the end of March 2025. By region, approximately 87% of overseas lending was to North America, with the remainder directed to Asia and Europe.」
Although the ratio of overseas lending declined to approximately 31%, North America accounted for approximately 87% of overseas lending, indicating a high degree of concentration. - FY2025-H1MitigatedAnnual report
「Overseas and Special International Financial Transactions Account 971,256 100.00 858,909 100.00」
Overseas lending declined from ¥971.3 billion in the previous year to ¥858.9 billion. Overseas lending exposure has shifted from expansion to contraction. - FY2024-Q3WorsenedAnnual report
「Overseas and Special International Financial Transactions Account 876,579 100.00 916,964 100.00」
Overseas lending increased from ¥876.5 billion in the previous year to ¥916.9 billion, and the expansion of overseas lending exposure continued. - FY2024-Q2WorsenedAnnual report
「Overseas and Special International Financial Transactions Account 933,495 100.00 971,256 100.00」
Overseas lending increased from ¥933.495 billion in the previous year to ¥971.256 billion, and the expansion of overseas lending exposure continues. - FY2024-Q1WorsenedAnnual report
「Overseas and Special International Financial Transactions Account 858,603 100.00 940,399 100.00」
Overseas lending increased from ¥858.6 billion in the previous year to ¥940.4 billion, and the expansion of overseas lending exposure continued. - FY2023-Q3WorsenedAnnual report
「• Overseas lending increased by $533 million from the end of March and by $271 million from the end of September. While assessing overseas economic trends and changes in financial conditions, the company selectively and cautiously took on transactions with attractive risk-return profiles」
Overseas lending balances increased from both the end of the previous fiscal year and the end of the previous quarter, expanding overseas lending exposure. - FY2023-Q1WorsenedAnnual report
「• Overseas lending was ¥1.3314 trillion, an increase of ¥141.7 billion from the end of the previous fiscal year, or an increase of $28 million on a US dollar basis」
Overseas lending increased by ¥141.7 billion from the end of the previous fiscal year to ¥1.3314 trillion. Overseas lending exposure expanded after contracting through the previous fiscal year. - FY2022-Q3WorsenedAnnual report
「Overseas lending increased by ¥67.3 billion, or $248 million on a US dollar basis, and by ¥54.7 billion, or $236 million on a US dollar basis, from the end of September.」
Overseas lending balances increased from the end of March 2021, with overseas lending exposure expanding after having contracted through the previous quarter. - FY2022-Q1MitigatedAnnual 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, the company reduced overseas lending balances through the early repayment of North American corporate loans and the collection of overseas real estate non-recourse loans. - FY2021MitigatedAnnual report
「Overseas lending accounted for approximately 34% of the bank’s total lending as of the end of March 2021. The bank controls its exposure by establishing country- and region-specific guidelines and conducting loan sales in a flexible manner, among other measures.」
The ratio of overseas lending declined from approximately 39% at the end of March 2019 to approximately 34%, and management through guidelines and loan sales was described. - FY2021-Q3MitigatedAnnual 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.」
The company further reduced overseas lending and controlled portfolio concentration and credit risk through rebalancing of North American corporate loans and the collection of overseas real estate non-recourse loans. - FY2021-Q2MitigatedAnnual 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.」
The company reduced overseas lending balances by ¥71.7 billion and improved portfolio quality through rebalancing centered on North American corporate loans. - FY2019First statedAnnual report
「Overseas lending, defined as lending for which the country of ultimate risk is outside Japan, on a consolidated basis, accounted for approximately 39% as of the end of March 2019. By region, approximately 80% of overseas lending was to North America, with the remainder directed mainly to Asia and highly rated countries in Europe.」
The company explicitly identified as a risk its exposure to overseas lending, which accounted for approximately 39% of total lending, with approximately 80% of that exposure in North America.