Risk of Increased Credit Costs and Non-Performing Loans
First written in FY2016. 10 of 32 entries say "Mitigated", first in FY2017-Q1. Latest entry: 2026-07-31.
Resona Holdings moved to the "Worse" side of this theme in 2019, 1 year before 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".
- 2026-07-31WorsenedFinancial results presentation
「Credit-related costs: △¥1.3 billion; same period prior year △¥2.2 billion (increase in costs)」
Credit-related costs changed from a reversal in the same period of the previous year to an expense, representing a ¥2.2 billion year-on-year increase in costs. - FY2026Higher credit costs alongside improvement in non-performing loansAnnual report
「Credit costs increased by ¥2.5 billion from the previous fiscal year to ¥14.0 billion. The total amount of non-performing loans among claims disclosed under the Financial Reconstruction Act declined by ¥27.8 billion from the end of the previous fiscal year to ¥581.4 billion, while the non-performing loan ratio declined by 0.13 percentage points year on year to 1.19%.」
Credit costs increased, while non-performing loan balances and the non-performing loan ratio declined, indicating divergent movements in credit risk indicators. - 2026-05-12OtherRevision of earnings forecasts
「Credit-related costs increased by ¥2.5 billion year on year to ¥14 billion.」
Credit-related costs increased, while total non-performing loans declined from the end of the previous fiscal year and the non-performing loan ratio fell to 1.19%, indicating mixed movements in credit-risk indicators. - FY2025-H1MitigatedAnnual report
「Credit costs declined by ¥3.4 billion from the previous interim period to ¥6.8 billion, due mainly to upgrades of large borrowers and the reversal of precautionary provisions at overseas subsidiaries recognized in the previous fiscal year. Non-performing loans declined by ¥39.6 billion from the end of the previous fiscal year to ¥644.5 billion. The non-performing loan ratio declined by 0.11 percentage points to 1.43%.」
Credit costs declined by ¥3.4 billion from the previous interim period to ¥6.8 billion, non-performing loans declined by ¥39.6 billion from the end of the previous fiscal year to ¥644.5 billion, and the non-performing loan ratio fell to 1.43%. - FY2024-Q3WorsenedAnnual report
「Credit costs increased by ¥21.4 billion from the first nine months of the previous fiscal year to ¥22.1 billion. Total ¥668,356 million ¥696,779 million」
Credit costs increased by ¥21.4 billion year on year to ¥22.1 billion, while total claims before deduction of the allowance for loan losses also increased from ¥668.3 billion at the end of the previous fiscal year to ¥696.8 billion. - FY2024-Q1Credit costs increased while total claims edged downAnnual report
「Credit costs increased by ¥0.9 billion from the first quarter of the previous fiscal year to ¥6.6 billion.」
While credit costs increased year on year, total claims before deduction of the allowance for loan losses edged down from ¥668.3 billion at the end of the previous fiscal year to ¥667.8 billion. - FY2023-Q3Credit costs declined while total claims edged downAnnual report
「Credit costs declined by ¥19.7 billion from the first nine months of the previous fiscal year to ¥0.7 billion.」
Credit costs declined by ¥19.7 billion year on year to ¥0.7 billion. Total claims before deduction of the allowance for loan losses also edged down from ¥672.3 billion at the end of the previous fiscal year to ¥671.6 billion, indicating divergent movements in credit risk indicators. - FY2023-Q2Credit risk indicators continue to move in divergent directionsAnnual report
「Credit costs declined by ¥9.2 billion from the previous interim period to ¥7.7 billion. Non-performing loans increased by ¥0.6 billion from the end of the previous fiscal year to ¥673.0 billion.」
The disclosure records both a decline in credit costs and an increase in non-performing loan balances, indicating that credit risk indicators continue to move in divergent directions. - FY2023-Q2Credit costs declined while non-performing loans increasedAnnual report
「Credit costs declined by ¥9.2 billion from the previous interim period to ¥7.7 billion. Non-performing loans increased by ¥0.6 billion from the end of the previous fiscal year to ¥673.0 billion. Performing loans increased by ¥913.7 billion from the end of the previous fiscal year, while the non-performing loan ratio declined by 0.03 percentage points to 1.61%.」
Credit costs declined to ¥7.7 billion, while non-performing loans increased to ¥673.0 billion. The non-performing loan ratio declined to 1.61%, indicating divergent movements in credit risk indicators. - FY2023-Q1Credit costs declined while total claims increasedAnnual report
「Credit costs declined by ¥1.5 billion from the first quarter of the previous fiscal year to ¥5.6 billion. Total ¥672,335 million ¥678,610 million」
Credit costs declined by ¥1.5 billion year on year to ¥5.6 billion, while total claims before deduction of the allowance for loan losses increased from ¥672.3 billion at the end of the previous fiscal year to ¥678.6 billion. Credit risk indicators are moving in divergent directions. - FY2022-Q3Credit costs declined while risk-management claims increasedAnnual report
「Total ¥549,722 million ¥605,786 million」
Credit costs declined to ¥20.5 billion due to the reversal of large-borrower downgrades that occurred in the same period of the previous year, while total risk-management claims increased from ¥549.7 billion at the end of the previous fiscal year to ¥605.8 billion. - FY2022-Q2Credit costs declined while non-performing loans increasedAnnual report
「Credit costs declined by ¥6.1 billion from the previous interim period to ¥17.0 billion, partly reflecting the reversal of the impact of large-borrower downgrades that occurred in the previous interim period amid the spread of COVID-19. At the end of the current interim accounting period, the Group banks' combined non-performing loan balance increased by ¥22.5 billion from the end of the previous fiscal year to ¥470.5 billion.」
Credit costs declined to ¥17.0 billion due to the reversal of large-borrower downgrades in the previous interim period, while non-performing loans increased to ¥470.5 billion and the non-performing loan ratio rose to 1.16%. Credit risk indicators are moving in divergent directions. - FY2022-Q1Credit costs declined while risk-management claims increasedAnnual report
「Credit costs declined by ¥8.7 billion from the previous fiscal year to ¥7.1 billion, partly reflecting the reversal of the impact of large-borrower downgrades that occurred in the first quarter of the previous fiscal year amid the spread of COVID-19.」
Credit costs declined to ¥7.1 billion due to the reversal of the impact of large-borrower downgrades in the same period of the previous year, while total risk-management claims increased from ¥549.7 billion at the end of the previous fiscal year to ¥593.0 billion. - FY2021WorsenedAnnual report
「Credit costs increased by ¥34.4 billion from the previous fiscal year to ¥57.4 billion, due partly to precautionary measures taken in anticipation of a prolonged impact from COVID-19.」
Credit costs increased to ¥57.4 billion due to precautionary provisions made in anticipation of a prolonged impact from COVID-19. Meanwhile, the non-performing loan ratio declined to 1.12%. - FY2021-Q1WorsenedAnnual report
「Credit costs increased by ¥13.3 billion from the first quarter of the previous fiscal year to ¥15.9 billion, partly due to the impact of the spread of COVID-19.」
Due partly to the impact of the spread of COVID-19, credit costs increased from ¥2.6 billion in the same period of the previous year to ¥15.9 billion, an increase of ¥13.3 billion. Total risk-management claims also increased from ¥526.7 billion at the end of the previous fiscal year to ¥560.9 billion. - FY2020WorsenedAnnual report
「Credit costs increased by ¥21.6 billion from the previous fiscal year to ¥22.9 billion, mainly due to the absence of the large reversal gain recorded in the previous fiscal year.」
Credit costs worsened from a reversal of ¥1.3 billion to an expense of ¥22.9 billion, due mainly to the absence of the large reversal gain and precautionary provisions for Apaman Port. Meanwhile, disclosed claims declined to ¥433.5 billion, and the non-performing loan ratio fell to 1.14%. - FY2020-Q3Credit costs worsened while non-performing loan balances declinedAnnual report
「Credit costs increased by ¥25.3 billion from the first nine months of the previous fiscal year, due mainly to the absence of the large reversal gain recorded in that period and the recognition of precautionary provisions, turning from a reversal gain in the first nine months of the previous fiscal year into an expense of ¥12.6 billion.」
While credit costs worsened to an expense of ¥12.6 billion due to the absence of the large reversal gain and the recognition of precautionary provisions, total risk-management claims declined from ¥530.8 billion at the end of the previous fiscal year to ¥507.7 billion. - FY2020-Q2WorsenedAnnual report
「Credit costs increased by ¥15.4 billion from the previous interim consolidated accounting period, due mainly to the absence of the large reversal gain recorded in the previous interim period and the establishment of precautionary provisions, turning from a reversal in the previous interim period into an expense of ¥10.3 billion. In addition, non-performing loans for the Group's banks combined totaled ¥421.9 billion at the end of the interim accounting period, down ¥20.3 billion from the end of the previous fiscal year. The non-performing loan ratio declined by 0.05 percentage points to 1.13% and remained low.」
Credit costs deteriorated from a reversal to an expense of ¥10.3 billion due to precautionary provisions and other factors. Meanwhile, both the balance and ratio of non-performing loans declined from the end of the previous fiscal year. - FY2020-Q1WorsenedAnnual report
「Credit costs totaled ¥2.6 billion, an increase of ¥0.7 billion from the cumulative first quarter of the previous fiscal year.」
Credit costs increased by ¥0.7 billion year on year to ¥2.6 billion. Total risk-monitored claims also increased from ¥530.8 billion at the end of the previous fiscal year to ¥532.7 billion, indicating continued deterioration in credit risk. - FY2019WorsenedAnnual report
「Credit costs increased by ¥16.0 billion from the previous fiscal year and, following the recognition of a reversal gain in the previous fiscal year, turned into an expense of ¥1.3 billion, mainly because of higher new provisions and fewer reversals resulting from improvements in borrower classifications, including through rehabilitation and growth support.」
Credit costs deteriorated from a reversal in the previous fiscal year to an expense of ¥1.3 billion. Meanwhile, disclosed claims for the five banks combined totaled ¥442.2 billion, and the non-performing loan ratio was 1.18%. - FY2019-Q3WorsenedAnnual report
「Total ¥453,467 million ¥518,478 million」
Total risk-monitored claims increased from ¥453.4 billion at the end of the previous fiscal year to ¥518.4 billion at the end of the third quarter. Meanwhile, credit costs resulted in a reversal gain of ¥12.7 billion. - FY2019-Q2MitigatedAnnual report
「Although new credit costs arising from borrower bankruptcies and other events remained low, reversals decreased by ¥2.4 billion from the previous interim consolidated accounting period, resulting in a reversal of ¥5.1 billion. The balance of non-performing loans for the Group's five banks combined at the end of the interim accounting period was ¥430.1 billion, down ¥29.7 billion from the end of the previous fiscal year. The non-performing loan ratio declined by 0.09 percentage points to 1.16% and remained low.」
The company states that credit costs remained a ¥5.1 billion reversal, the balance of non-performing loans decreased by ¥29.7 billion from the end of the previous fiscal year, and the non-performing loan ratio declined to 1.16%. - FY2019-Q1WorsenedAnnual report
「Credit costs were a reversal gain of ¥6.8 billion in the cumulative first quarter of the previous fiscal year, but increased by ¥8.7 billion to an expense of ¥1.8 billion.」
Credit costs deteriorated from a reversal gain in the same period of the previous year to an expense of ¥1.8 billion. Total risk-monitored claims also increased from ¥453.4 billion at the end of the previous fiscal year to ¥556.5 billion. In addition, Kansai Urban Bank and Minato Bank were newly included in the scope of consolidation in the quarter. - FY2018MitigatedAnnual report
「Disclosed claims for the Group's three banks combined totaled ¥352.2 billion at the end of the fiscal year, and the non-performing loan ratio remained low at 1.18%.」
Credit-related expenses resulted in a reversal gain of ¥14.7 billion. Disclosed claims declined from ¥395.4 billion in the previous fiscal year to ¥352.2 billion, and the non-performing loan ratio declined from 1.35% to 1.18%. - FY2018-Q3MitigatedAnnual report
「Credit costs resulted in a reversal of ¥13.2 billion, a decrease of ¥8.3 billion in the reversal from the previous period, among other factors. Consequently, profit before income taxes decreased by ¥15.3 billion from the cumulative nine-month period of the previous fiscal year to ¥167.0 billion.」
Credit costs continued to result in reversals, and total consolidated risk-monitored claims decreased from ¥512.4 billion at the end of the previous fiscal year to ¥461.6 billion. Although the reversal was smaller than in the same period of the previous year, credit costs and the balance of claims both declined. - FY2018-Q2MitigatedAnnual report
「Total credit costs decreased by ¥2.9 billion in reversals from the previous interim consolidated accounting period, resulting in a reversal of ¥7.5 billion. In addition, non-performing loans at the end of the interim accounting period totaled ¥373.8 billion for the Group's three banks combined, down ¥21.6 billion from the end of the previous fiscal year. The non-performing loan ratio declined by 0.07 percentage points to 1.27% and remained low.」
Although the reversal of credit costs decreased from the previous interim period, credit costs still resulted in a reversal, and both the balance and ratio of non-performing loans declined from the end of the previous fiscal year. - FY2018-Q1MitigatedAnnual report
「Although credit costs resulted in a reversal gain of ¥6.8 billion, profit before income taxes decreased by ¥14.7 billion from the cumulative first quarter of the previous fiscal year to ¥51.1 billion.」
Credit costs resulted in a reversal gain of ¥6.8 billion. Total risk-monitored claims also decreased from ¥512.4 billion at the end of the previous fiscal year to ¥506.1 billion. - FY2017MitigatedAnnual report
「Credit-related expenses resulted in a reversal of ¥17.4 billion, an improvement of ¥43.3 billion from the previous fiscal year. In addition, disclosed claims for the Group's three banks combined totaled ¥395.4 billion at the end of the fiscal year, and the non-performing loan ratio remained low at 1.35%.」
The company states that credit-related expenses resulted in a reversal and that both disclosed claims and the non-performing loan ratio declined from the previous fiscal year. - FY2017-Q3MitigatedAnnual report
「Gains and losses related to shares and other securities increased by ¥17.9 billion to a gain of ¥22.2 billion, while credit costs improved by ¥38.6 billion, resulting in a reversal of ¥21.6 billion.」
Credit costs improved substantially and resulted in a reversal. Total risk-monitored claims also decreased from ¥563.1 billion at the end of the previous fiscal year to ¥526.4 billion. - FY2017-Q2MitigatedAnnual report
「Total credit costs improved by ¥31.7 billion from the previous interim consolidated accounting period, resulting in a reversal of ¥10.5 billion. In addition, non-performing loans at the end of the interim accounting period totaled ¥410.5 billion for the Group's three banks combined, down ¥24.4 billion from the end of the previous fiscal year. The non-performing loan ratio declined by 0.08 percentage points to 1.42% and remained low.」
The company states that credit costs resulted in a reversal and that both the balance and ratio of non-performing loans declined from the end of the previous fiscal year. - FY2017-Q1MitigatedAnnual report
「Credit costs were a ¥7.7 billion reversal gain, among other factors, and profit before income taxes decreased by ¥8.9 billion from the cumulative first quarter of the previous fiscal year to ¥65.9 billion.」
Credit costs were a reversal gain in the quarter, and total risk-monitored claims decreased from ¥563.1 billion at the end of the previous fiscal year to ¥555.0 billion. - FY2016First statedAnnual report
「Credit costs increased by ¥48.2 billion from the previous fiscal year to an expense of ¥25.8 billion, mainly because the reversal of the allowance for loan losses had run its course.」
The company describes the potential deterioration of its credit portfolio, centered on lending to mid-sized and small companies and residential mortgages, due to economic conditions, real estate prices and borrowers' business conditions. In FY2016, it disclosed higher credit costs and non-performing loans of ¥434.9 billion.