Credit risk associated with concentration in Chiba Prefecture's economy
First written in FY2016. 19 of 23 entries say "Restated". Latest entry: FY2026-H1.
0 other companies' latest entry also says "Restated".
- FY2026-H1RestatedAnnual report
「During the current interim consolidated accounting period, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
Stated that there had been no material changes or risk events concerning credit risk arising from concentration in the Chiba Prefecture economy. - FY2025RestatedAnnual report
「Economic deterioration and worsening regional economic conditions」
Continues to recognise credit risk arising from deterioration in the regional economy as a key risk, with rigorous screening, business improvement support and workout and recovery activities as response measures. - FY2025-H1RestatedAnnual report
「During the current interim consolidated accounting period, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
Stated that there had been no material changes or risk events concerning credit risk arising from concentration in the Chiba Prefecture economy. - FY2023-Q3RestatedAnnual report
「During the first nine months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
Stated that there had been no material changes or risk events concerning credit risk arising from concentration in the Chiba Prefecture economy. - FY2023-Q2RestatedAnnual report
「During the first six months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
Stated that there had been no material changes or risk events concerning credit risk arising from concentration in the Chiba Prefecture economy. - FY2023-Q1RestatedAnnual report
「During the first three months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
Stated that there had been no material changes or risk events concerning credit risk arising from concentration in the Chiba Prefecture economy. - FY2022Identified as a top riskAnnual report
「・Decline in earning power due to deterioration in the business base ・Increase in credit-related expenses」
The credit risks traditionally associated with the business base centred on Chiba Prefecture and deterioration in the regional economy were explicitly identified as top risks. - FY2022-Q2RestatedAnnual report
「During the first six months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
Stated that there had been no material changes or risk events concerning credit risk arising from concentration in the Chiba Prefecture economy. - FY2022-Q1RestatedAnnual report
「During the first three months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
Stated that there had been no material changes or risk events concerning credit risk arising from concentration in the Chiba Prefecture economy. - FY2021-Q3RestatedAnnual report
「During the first nine months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
Stated that there had been no material changes or risk events concerning credit risk arising from concentration in the Chiba Prefecture economy. - FY2021-Q2RestatedAnnual report
「During the first six months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
Stated that there had been no material changes or risk events concerning credit risk arising from concentration in the Chiba Prefecture economy. - FY2021-Q1RestatedAnnual report
「During the first three months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
Stated that there had been no material changes or risk events concerning credit risk arising from concentration in the Chiba Prefecture economy. - FY2020RestatedAnnual report
「Economic deterioration and worsening regional economic conditions ・Deterioration in borrowers' operating conditions increases the cost of disposing of non-performing loans and provisions ・Build-up of high-quality loan assets and minimisation of losses through rigorous screening in accordance with lending criteria, support for customers requiring business improvement, and the workout and recovery of failed borrowers and others.」
Continues to describe credit risk arising from deterioration in regional economic conditions and earthquakes, typhoons and other events, together with responses involving rigorous screening, business improvement support, and workouts and recoveries. - FY2019MitigatedAnnual report
「More than 60% of our loans are extended to borrowers in Chiba Prefecture. We also serve as the designated financial institution for Chiba Prefecture and its 43 municipalities, and conduct lending and other transactions with local governments and third-sector companies.」
The description of lending to borrowers in Chiba Prefecture changed from "more than 70%" to "more than 60%." The potential impact of geographic concentration and natural disasters continues to be disclosed. - FY2019-Q1RestatedAnnual report
「During the first three months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
Stated together that there had been no material changes or risk events concerning credit risk arising from concentration in the Chiba Prefecture economy. - FY2018RestatedAnnual report
「More than 70% of our loans are extended to borrowers in Chiba Prefecture. We also serve as the designated financial institution for Chiba Prefecture and its 43 municipalities, and conduct lending and other transactions with local governments and third-sector companies. Because our business is based in a specific region, changes in our loans and credit risk may be affected by economic conditions in Chiba Prefecture. In addition, if a major earthquake, typhoon or other natural disaster centred on Chiba Prefecture occurs, we may incur losses from damage to our assets and may be adversely affected, directly or indirectly, by deterioration in the financial condition of borrowers, potentially adversely affecting our operating results and financial condition.」
Continues to identify concentration in lending to Chiba Prefecture and the potential impact of regional economic conditions and natural disasters as risks. - FY2018-Q3RestatedAnnual report
「During the first nine months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
Stated that there had been no material changes or risk events concerning credit risk arising from concentration in the Chiba Prefecture economy. - FY2018-Q2RestatedAnnual report
「During the first six months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
Stated that there had been no material changes or risk events concerning credit risk arising from concentration in the Chiba Prefecture economy. - FY2018-Q1RestatedAnnual report
「During the first three months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
Stated that there had been no material changes or risk events concerning credit risk arising from concentration in the Chiba Prefecture economy. - FY2017WorsenedAnnual report
「More than 70% of our loans are extended to borrowers in Chiba Prefecture. We also serve as the designated financial institution for Chiba Prefecture and its 43 municipalities, and conduct lending and other transactions with local governments and third-sector companies. Because our business is based in a specific region, changes in our loans and credit risk may be affected by economic conditions in Chiba Prefecture. In addition, if a major earthquake, typhoon or other natural disaster centred on Chiba Prefecture occurs, we may incur losses from damage to our assets and may be adversely affected, directly or indirectly, by deterioration in the financial condition of borrowers, potentially adversely affecting our operating results and financial condition.」
In addition to geographic concentration risk, explicitly described the potential impact of earthquakes, typhoons and other natural disasters centred on Chiba Prefecture, including damage to assets and deterioration in borrowers' financial condition. - FY2017-Q3RestatedAnnual report
「During the first nine months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
Stated that there had been no material changes or risk events concerning credit risk arising from concentration in the Chiba Prefecture economy. - FY2017-Q2RestatedAnnual report
「During the first six months of the current fiscal year, there were no material changes to the matters concerning "Business and Other Risks" described in the annual securities report for the previous fiscal year, nor any events relating to those matters.」
Stated that there had been no material changes or risk events concerning credit risk arising from concentration in the Chiba Prefecture economy. - FY2016First statedAnnual report
「More than 70% of our loans are extended to borrowers in Chiba Prefecture. We also serve as the designated financial institution for Chiba Prefecture and its 43 municipalities, and conduct lending and other transactions with local governments and third-sector companies. Because our business is based in a specific region, changes in our loans and credit risk may be affected by economic conditions in Chiba Prefecture.」
Described geographic concentration as a structural exposure.