Credit Risk in Lending to SMEs and Individuals
First written in FY2016. 18 of 19 entries say "Restated". Latest entry: FY2025-H1.
The whole theme swung hardest in 2019: 6 of 14 companies on the "Worse" side.
4 other companies' latest entry also says "Restated".
- 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 credit risk associated with loans to small and medium-sized enterprises and individuals. - 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 credit risk associated with loans to small and medium-sized enterprises and individuals. - 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 credit risk associated with loans to small and medium-sized enterprises and individuals. - 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 credit risk associated with loans to small and medium-sized enterprises and individuals. - 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 credit risk associated with loans to small and medium-sized enterprises and individuals. - 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 credit risk associated with loans to small and medium-sized enterprises and individuals. - FY2020RestatedAnnual report
「Our bank is working to expand loans to small and medium-sized enterprises and individuals. Although we seek to diversify the risk associated with such loans by making them smaller in size and through other measures, deterioration in the performance of small and medium-sized enterprises, declines in the value of collateralized real estate, and trends in individuals' household finances could adversely affect our business performance and other aspects of our operations.」
The bank continues to describe the expansion of loans to small and medium-sized enterprises and individuals, risk diversification through smaller loan sizes, and the risk of deterioration in credit conditions. - 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 credit risk associated with loans to small and medium-sized enterprises and individuals. - 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 credit risk associated with loans to small and medium-sized enterprises and individuals. - 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 credit risk associated with loans to small and medium-sized enterprises and individuals. - 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 credit risk associated with loans to small and medium-sized enterprises and individuals. - 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 credit risk associated with loans to small and medium-sized enterprises and individuals. - 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 credit risk associated with loans to small and medium-sized enterprises and individuals. - 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 credit risk associated with loans to small and medium-sized enterprises and individuals. - FY2017RestatedAnnual report
「Our bank is working to expand loans to small and medium-sized enterprises and individuals. Although we seek to diversify the risk associated with such loans by making them smaller in size and through other measures, deterioration in the performance of small and medium-sized enterprises, declines in the value of collateralized real estate, and trends in individuals' household finances could adversely affect our bank's performance and financial condition.」
The bank continues to describe the expansion of lending, diversification through smaller loan sizes, and risks related to the credit conditions of small and medium-sized enterprises and individuals. - 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 credit risk associated with loans to small and medium-sized enterprises and individuals. - 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 credit risk associated with loans to small and medium-sized enterprises and individuals. - 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 credit risk associated with loans to small and medium-sized enterprises and individuals. - FY2016First statedAnnual report
「Our bank is working to expand loans to small and medium-sized enterprises and individuals. Although we seek to diversify the risk associated with such loans by making them smaller in size and through other measures, deterioration in the performance of small and medium-sized enterprises, declines in the value of collateralized real estate, and trends in individuals' household finances could adversely affect our bank's performance and financial condition.」
Alongside the expansion of lending, the bank describes risk diversification through smaller loan sizes, as well as risks related to corporate performance, collateral values and household finances.