Risk of Non-Performing Loans and Deteriorating Borrower Conditions
First written in FY2016. 19 of 40 entries say "Mitigated", first in FY2022-Q1. Latest entry: 2026-08-03.
The Gunma Bank moved to the "Worse" side of this theme in 2018, 2 years before the typical company in this theme (2020).
The whole theme swung hardest in 2020: 24 of 45 companies on the "Worse" side.
21 other companies' latest entry also says "Mitigated".
- FY2026MitigatedAnnual report
「Total ¥93,808 million ¥86,864 million」
Total risk-monitored loans decreased from ¥93.808 billion in the previous fiscal year to ¥86.864 billion, improving credit risk indicators. - FY2026-H1MitigatedAnnual report
「Total ¥93,808 million ¥89,704 million」
Total risk-monitored loans decreased from ¥93.808 billion at the end of the previous fiscal year to ¥89.704 billion. In the asset quality assessment, bankruptcy and rehabilitation claims, risky claims, and claims requiring management also decreased year on year. - FY2025MitigatedAnnual report
「Total ¥108,076 million ¥93,808 million」
Total risk-monitored loans decreased from ¥108.076 billion in the previous fiscal year to ¥93.808 billion. In the asset quality assessment, bankruptcy and rehabilitation claims, risky claims, and claims requiring management all decreased. - FY2025-H1MitigatedAnnual report
「Total ¥108,076 million ¥101,391 million」
Total risk-monitored loans decreased from ¥108.076 billion at the end of March 2024 to ¥101.391 billion at the end of September 2024. In the asset quality assessment, bankruptcy and rehabilitation claims, risky claims, and claims requiring management also decreased year on year. - FY2024-Q3MitigatedAnnual report
「Total ¥115,979 million ¥108,733 million」
Total risk-monitored loans decreased from ¥115.979 billion at the end of March 2023 to ¥108.733 billion at the end of December 2023. - FY2024-Q2MitigatedAnnual report
「Total ¥115,979 million ¥111,659 million」
Total risk-monitored loans decreased from ¥115.979 billion at the end of March 2023 to ¥111.659 billion at the end of September 2023. By category, bankruptcy and rehabilitation claims increased, while risky claims and restructured loans decreased. - FY2024-Q1MitigatedAnnual report
「Total ¥115,979 million ¥114,017 million」
Total risk-monitored loans decreased from ¥115.979 billion at the end of the previous consolidated fiscal year to ¥114.017 billion. - FY2023MitigatedAnnual report
「Total ¥127,356 million ¥115,979 million」
Total risk-monitored loans decreased from ¥127.356 billion in the previous period to ¥115.979 billion. Loans past due for three months or more increased, while bankruptcy and rehabilitation claims, risky claims, and restructured loans decreased. - FY2023-Q3MitigatedAnnual report
「Total ¥127,356 million ¥119,205 million」
Total risk-monitored loans decreased from ¥127.356 billion at the end of the previous consolidated fiscal year to ¥119.205 billion at the end of the third quarter of the current consolidated fiscal year. Loans past due for three months or more and restructured loans increased, while bankruptcy and rehabilitation claims and risky claims decreased. - FY2023-Q2MitigatedAnnual report
「Total ¥127,356 million ¥121,123 million」
Total risk-monitored loans decreased from ¥127.356 billion at the end of March 2022 to ¥121.123 billion at the end of September 2022. By category, risky claims increased, while bankruptcy and rehabilitation claims, loans past due for three months or more, and restructured loans decreased. - FY2023-Q1MitigatedAnnual report
「Bankruptcy and rehabilitation claims and similar claims ¥28,094 million ¥28,794 million Risky claims ¥48,397 million ¥47,653 million Loans past due for three months or more ¥1,522 million ¥2,063 million Restructured loans ¥49,341 million ¥48,398 million Total ¥127,356 million ¥126,908 million」
Total risk-monitored loans decreased from ¥127.356 billion at the end of the previous consolidated fiscal year to ¥126.908 billion. Risky claims and restructured loans decreased, while bankruptcy and rehabilitation claims and similar claims and loans past due for three months or more increased. - FY2022MitigatedAnnual report
「Total ¥141,771 million ¥127,356 million」
Total risk-monitored loans decreased from ¥141.771 billion in the previous period to ¥127.356 billion. However, risky claims increased from ¥45.1 billion to ¥48.4 billion. - FY2022-Q3MitigatedAnnual report
「Loans to failed borrowers ¥8,624 million ¥8,985 million Past-due loans ¥65,707 million ¥62,605 million Loans past due for three months or more ¥1,324 million ¥1,356 million Restructured loans ¥66,013 million ¥55,108 million Total ¥141,669 million ¥128,056 million」
Total risk-monitored loans decreased from ¥141.669 billion at the end of the previous consolidated fiscal year to ¥128.056 billion. However, loans to failed borrowers and loans past due for three months or more increased. - FY2022-Q2MitigatedAnnual report
「Total ¥141,669 million ¥127,344 million」
Total risk-monitored loans decreased from ¥141.669 billion at the end of March 2021 to ¥127.344 billion at the end of September 2021. However, some risky claims, claims requiring management, loans to failed borrowers, and loans past due for three months or more increased. - FY2022-Q1MitigatedAnnual report
「Loans to failed borrowers ¥8,624 million ¥9,498 million Past-due loans ¥65,707 million ¥62,365 million Loans past due for three months or more ¥1,324 million ¥1,989 million Restructured loans ¥66,013 million ¥53,309 million Total ¥141,669 million ¥127,163 million」
Total risk-monitored loans decreased from ¥141.669 billion at the end of the previous consolidated fiscal year to ¥127.163 billion. However, loans to failed borrowers and loans past due for three months or more increased. - FY2021WorsenedAnnual report
「The totals for loans to failed borrowers, past-due loans, loans past due for three months or more, and restructured loans are as follows. Total ¥114,289 million ¥141,669 million」
Total risk-monitored loans increased from ¥114.289 billion to ¥141.669 billion. The provision for loan losses also reached ¥21.888 billion, indicating a broader crystallization of credit risk. - FY2021-Q3WorsenedAnnual report
「Total ¥114,289 million ¥122,703 million」
Total risk-monitored loans increased from ¥114.289 billion at the end of March 2020 to ¥122.703 billion at the end of December 2020. Loans to failed borrowers, past-due loans, and restructured loans also increased, while the provision for loan losses rose from ¥2,195 million in the same period of the previous year to ¥6,928 million. - FY2021-Q2WorsenedAnnual report
「Total ¥114,289 million ¥121,547 million」
Total risk-monitored loans increased from ¥114.289 billion at the end of March 2020 to ¥121.547 billion at the end of September 2020. Risky claims increased from ¥37.3 billion to ¥39.3 billion, claims requiring management from ¥38.5 billion to ¥46.2 billion, and the provision for loan losses from ¥1.957 billion in the same period of the previous year to ¥6.316 billion. - FY2021-Q1WorsenedAnnual report
「Loans to failed borrowers ¥8,346 million ¥9,692 million Past-due loans ¥58,245 million ¥58,257 million Loans past due for three months or more ¥2,260 million ¥4,429 million Restructured loans ¥45,436 million ¥53,744 million Total ¥114,289 million ¥126,124 million」
Total risk-monitored loans increased from ¥114.289 billion at the end of March 2020 to ¥126.124 billion at the end of June 2020. Loans to failed borrowers, loans past due for three months or more, and restructured loans increased. - FY2020WorsenedAnnual report
「Total ¥107,717 million ¥114,289 million」
Total risk-monitored loans increased from ¥107.717 billion in the previous period to ¥114.289 billion. In the asset quality assessment, risky claims increased from ¥34.6 billion to ¥35.8 billion, and claims requiring management increased from ¥35.1 billion to ¥41.6 billion. - FY2020-Q3WorsenedAnnual report
「Loans to failed borrowers ¥5,907 million ¥8,827 million Past-due loans ¥59,669 million ¥58,683 million Loans past due for three months or more ¥2,757 million ¥3,100 million Restructured loans ¥39,383 million ¥45,119 million Total ¥107,717 million ¥115,730 million」
Total risk-monitored loans increased from ¥107.717 billion at the end of March 2019 to ¥115.730 billion at the end of December 2019. Loans to failed borrowers, loans past due for three months or more, and restructured loans increased. - FY2020-Q2WorsenedAnnual report
「Bankruptcy and rehabilitation claims and similar claims 261 291 Risky claims 332 373 Claims requiring management 372 385 Normal claims 55,291 55,272」
Compared with the end of September 2018, bankruptcy and rehabilitation claims and similar claims increased from ¥26.1 billion to ¥29.1 billion, risky claims from ¥33.2 billion to ¥37.3 billion, and claims requiring management from ¥37.2 billion to ¥38.5 billion. - FY2020-Q1WorsenedAnnual report
「Loans to failed borrowers ¥5,907 million ¥6,881 million Past-due loans ¥59,669 million ¥58,187 million Loans past due for three months or more ¥2,757 million ¥2,997 million Restructured loans ¥39,383 million ¥41,615 million Total ¥107,717 million ¥109,682 million」
Total risk-monitored loans increased from ¥107.717 billion at the end of March 2019 to ¥109.682 billion at the end of June 2019. Loans to failed borrowers, loans past due for three months or more, and restructured loans increased. - FY2019MaterialisedAnnual report
「Credit costs increased by ¥5.587 billion year on year to ¥7.959 billion due to the sudden failure of a large borrower and downgrades in debtor classifications, among other factors.」
The sudden failure of a large borrower and downgrades in debtor classifications actually occurred, and credit costs increased by ¥5.587 billion year on year. Total risk-monitored loans also reached ¥107.717 billion. - FY2019-Q3WorsenedAnnual report
「Loans to failed borrowers ¥6,499 million ¥6,397 million Past-due loans ¥51,805 million ¥53,621 million Loans past due for three months or more ¥1,732 million ¥2,743 million Restructured loans ¥42,318 million ¥42,361 million Total ¥102,356 million ¥105,124 million」
Total risk-monitored loans increased from ¥102.356 billion at the end of March 2018 to ¥105.124 billion. Past-due loans, loans past due for three months or more, and restructured loans increased. - FY2019-Q2WorsenedAnnual report
「Bankruptcy and rehabilitation claims and similar claims 257 261 Risky claims 334 332 Claims requiring management 353 372 Normal claims 54,193 55,291」
Compared with the end of September 2017, bankruptcy and rehabilitation claims and similar claims increased from ¥25.7 billion to ¥26.1 billion, and claims requiring management increased from ¥35.3 billion to ¥37.2 billion. Total risk-monitored loans also increased from ¥102.356 billion at the end of March 2018 to ¥105.126 billion. - FY2019-Q1WorsenedAnnual report
「Loans to failed borrowers ¥6,499 million ¥6,674 million Past-due loans ¥51,805 million ¥53,451 million Loans past due for three months or more ¥1,732 million ¥1,144 million Restructured loans ¥42,318 million ¥44,869 million Total ¥102,356 million ¥106,140 million」
Total risk-monitored loans increased from ¥102.356 billion at the end of the previous consolidated fiscal year to ¥106.140 billion. By category, loans to failed borrowers, past-due loans, and restructured loans increased, while loans past due for three months or more decreased. - FY2018Update to non-performing loan indicatorsAnnual report
「Bankruptcy and rehabilitation claims and similar claims 262 254 Risky claims 342 319 Claims requiring management 344 362」
In the asset quality assessment, bankruptcy and rehabilitation claims and similar claims decreased from ¥26.2 billion to ¥25.4 billion and risky claims decreased from ¥34.2 billion to ¥31.9 billion, while claims requiring management increased from ¥34.4 billion to ¥36.2 billion. - 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 company has disclosed that there have been no new occurrences or material changes regarding the risk of non-performing loans and deterioration in borrowers' business conditions. - 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 company has comprehensively disclosed that there have been no new occurrences or material changes regarding the risk of non-performing loans and deterioration in borrowers' business conditions. - 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 company has comprehensively disclosed that there have been no new occurrences or material changes regarding the risk of non-performing loans and deterioration in borrowers' business conditions. - FY2017RestatedAnnual report
「Unexpected non-performing loans may arise due to various factors, including economic trends in the local area, the financial condition of borrowers, and fluctuations in real estate and stock prices. This could increase non-performing loan disposal expenses and adversely affect the Bank's performance and financial condition.」
The nature of credit risk continues to be disclosed as before. The asset quality assessment lists bankruptcy and rehabilitation claims of ¥26.2 billion, risky claims of ¥34.2 billion, and claims requiring management of ¥34.4 billion. - 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 company has disclosed that there have been no new occurrences or material changes regarding the risk of non-performing loans and deterioration in borrowers' business conditions. The results section shows a ¥2,574 million increase in the provision for loan losses, but this is not described as a new occurrence or material change in risk. - 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 company has comprehensively disclosed that there have been no new occurrences or material changes regarding the risk of non-performing loans and deterioration in borrowers' business conditions. - 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 company has comprehensively disclosed that there have been no new occurrences or material changes regarding the risk of non-performing loans and deterioration in borrowers' business conditions. - FY2016First statedAnnual report
「Unexpected non-performing loans may arise due to various factors, including economic trends in the local area, the financial condition of borrowers, and fluctuations in real estate and stock prices. This could increase non-performing loan disposal expenses and adversely affect the Bank's performance and financial condition.」
Credit risk is explicitly identified, and balances of loans to failed borrowers, past-due loans, and other categories are also disclosed.