Concentration risk in lending and deposits in core regions
First written in FY2016. 17 of 21 entries say "Restated". Latest entry: FY2025-H1.
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- FY2025-H1RestatedAnnual report
「No new business or other risks arose during the interim consolidated accounting period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」
The bank has disclosed that there have been no new developments or material changes in the risk of loan and deposit concentration in the core region. - FY2024-Q3RestatedAnnual report
「There were no newly arising business or other risks during the third quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」
The bank has comprehensively disclosed that there have been no new developments or material changes in the risk of loan and deposit concentration in the core region. - FY2024-Q1RestatedAnnual report
「There were no newly arising business or other risks during the first quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」
The bank has comprehensively disclosed that there have been no new developments or material changes in the risk of loan and deposit concentration in the core region. - FY2022-Q3RestatedAnnual report
「There were no newly arising business or other risks during the third quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」
The bank continues to disclose that there have been no new developments or material changes in the risk of loan and deposit concentration in the core region. - FY2021-Q3RestatedAnnual report
「There were no newly arising business or other risks during the third quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」
The bank has disclosed that there have been no new developments or material changes in the risk of loan and deposit concentration in the core region. - FY2021-Q1RestatedAnnual report
「There were no newly arising business or other risks during the first quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」
The bank has comprehensively disclosed that there have been no new developments or material changes in the risk of loan and deposit concentration in the core region. - FY2020SoftenedAnnual report
「Our bank's core operating region comprises the 3 prefectures of Gunma, Saitama and Tochigi. The core region accounts for more than 70% of our total outstanding loans and more than 90% of our total deposits, on a non-consolidated basis.」
The disclosure changed from the specific figures of 72.1% and 96.3% to the ranges of “70% or more” and “90% or more.” - FY2020-Q2RestatedAnnual report
「There were no newly arising business or other risks during the second quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」
The bank has comprehensively disclosed that there have been no new developments or material changes in the risk of loan and deposit concentration in the core region. - FY2019WorsenedAnnual report
「Our bank's core operating region comprises the 3 prefectures of Gunma, Saitama and Tochigi. The core region accounts for 72.1% of our total outstanding loans and 96.3% of our total deposits, on a non-consolidated basis.」
The loan ratio for the core region increased from 71.3% in the previous fiscal year to 72.1%, while the deposit ratio increased from 96.2% to 96.3%. - FY2019-Q3RestatedAnnual report
「There were no newly arising business or other risks during the third quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」
The bank has comprehensively disclosed that there have been no new developments or material changes in the risk of loan and deposit concentration in the core region. - FY2019-Q2RestatedAnnual report
「There were no newly arising business or other risks during the second quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」
The bank has comprehensively disclosed that there have been no new developments or material changes in the risk of loan and deposit concentration in the core region. - FY2019-Q1RestatedAnnual report
「There were no newly arising business or other risks during the first quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」
The bank has comprehensively disclosed that there have been no new developments or material changes in the risk of loan and deposit concentration in the core region. - FY2018Loan concentration declined, while deposit concentration increasedAnnual report
「Our bank's core operating region comprises the 3 prefectures of Gunma, Saitama and Tochigi. The core region accounts for 71.3% of our total outstanding loans and 96.2% of our total deposits, on a non-consolidated basis.」
The loan ratio for the core region declined from 73.1% to 71.3%, while the deposit ratio increased from 96.0% to 96.2%. - FY2018-Q3RestatedAnnual report
「There were no newly arising business or other risks during the third quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」
The bank has comprehensively disclosed that there have been no new developments or material changes in the risk of loan and deposit concentration in the core region. - FY2018-Q2RestatedAnnual report
「There were no newly arising business or other risks during the second quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」
The bank has comprehensively disclosed that there have been no new developments or material changes in the risk of loan and deposit concentration in the core region. - FY2018-Q1RestatedAnnual report
「There were no newly arising business or other risks during the first quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」
The bank has comprehensively disclosed that there have been no new developments or material changes in the risk of loan and deposit concentration in the core region. - FY2017RestatedAnnual report
「Our bank's core operating region comprises the 3 prefectures of Gunma, Saitama and Tochigi. The core region accounts for 73.1% of our total outstanding loans and 96.0% of our total deposits, on a non-consolidated basis.」
The bank disclosed the same figures for loan and deposit concentration in the 3 core prefectures and indicated that a deterioration in the regional economy could have an impact. - FY2017-Q3RestatedAnnual report
「There were no newly arising business or other risks during the third quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」
The bank has comprehensively disclosed that there have been no new developments or material changes in the risk of loan and deposit concentration in the core region. - FY2017-Q2RestatedAnnual report
「There were no newly arising business or other risks during the second quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」
The bank has comprehensively disclosed that there have been no new developments or material changes in the risk of loan and deposit concentration in the core region. - FY2017-Q1RestatedAnnual report
「There were no newly arising business or other risks during the first quarter of the current consolidated cumulative period. In addition, there were no material changes to the business or other risks described in the securities report for the previous fiscal year.」
The bank has comprehensively disclosed that there have been no new developments or material changes in the risk of loan and deposit concentration in the core region. - FY2016First statedAnnual report
「Our bank's core operating region comprises the 3 prefectures of Gunma, Saitama and Tochigi. The core region accounts for 73.1% of our total outstanding loans and 96.0% of our total deposits, on a non-consolidated basis.」
The bank has disclosed the concentration of loans and deposits in the 3 prefectures and indicated that an economic downturn in the core region could affect its performance.