Mitigating Credit Risk through Credit Screening and Large-Exposure Management
First written in FY2016. 10 of 26 entries say "Worsened", first in FY2021-Q3. Latest entry: 2026-08-06.
The Chiba Kogyo Bank moved to the "Worse" side of this theme in 2021, 1 year after 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".
- 2026-08-06MitigatedEarnings
「The amount of non-performing loans under the Financial Reconstruction Act decreased by ¥6.9 billion year on year to ¥34.1 billion. The ratio of non-performing loans to total credit exposure also decreased by 0.32 percentage points to 1.34%.」
Both the amount of non-performing loans and the non-performing loan ratio declined year on year. - FY2026Non-performing loans down overall, but restructured loans increasedAnnual report
「Non-performing loan amount ¥33.886 billion ¥26.046 billion Restructured loan amount ¥4.144 billion ¥5.320 billion Total ¥41.139 billion ¥34.891 billion」
The non-performing loan amount and the total amount of risk-monitored loans decreased from the end of the previous fiscal year, while restructured loans increased from ¥4.144 billion to ¥5.320 billion. - FY2026-H1Non-performing loans down, but restructured loans increasedAnnual report
「Non-performing loan amount ¥33.886 billion ¥28.654 billion Restructured loan amount ¥4.144 billion ¥7.849 billion Total ¥41.139 billion ¥39.473 billion」
The non-performing loan amount and the total amount of risk-monitored loans decreased from the end of the previous fiscal year, while the restructured loan amount increased. - FY2025Total risk-monitored loans down, but non-performing loans increasedAnnual report
「Non-performing loan amount ¥32.000 billion ¥33.886 billion Restructured loan amount ¥5.532 billion ¥4.144 billion Total ¥42.949 billion ¥41.139 billion」
The total amount of risk-monitored loans decreased from ¥42.949 billion to ¥41.139 billion, while non-performing loans increased from ¥32.000 billion to ¥33.886 billion. - FY2025-H1WorsenedAnnual report
「Non-performing loan amount ¥32.000 billion ¥33.962 billion Restructured loan amount ¥5.532 billion ¥5.659 billion Total ¥42.949 billion ¥43.534 billion」
The total amount of risk-monitored loans increased from ¥42.949 billion at 31 March 2024 to ¥43.534 billion at 30 September 2024. Both non-performing loans and restructured loans also increased. - FY2024-Q3WorsenedAnnual report
「Loan write-offs ¥82 million ¥1.295 billion」
Loan write-offs increased substantially from ¥82 million in the same period of the previous year to ¥1.295 billion. This filing does not expressly state a causal relationship with credit management measures. - FY2024-Q2WorsenedAnnual report
「Loan write-offs ¥75 million ¥1.261 billion」
Loan write-offs increased from ¥75 million in the same period of the previous year to ¥1.261 billion in the interim period. This filing does not expressly state a causal relationship with credit management measures. - FY2024-Q1WorsenedAnnual report
「Loan write-offs ¥627 million ¥1.216 billion」
Loan write-offs increased from ¥627 million in the same period of the previous year to ¥1.216 billion in the first quarter. No causal relationship with credit management measures is stated. - FY2023-Q3WorsenedAnnual report
「Non-performing loan amount ¥30.969 billion ¥33.052 billion Restructured loan amount ¥3.301 billion ¥3.666 billion Total ¥39.176 billion ¥41.777 billion」
The total amount of risk-monitored loans increased from ¥39.176 billion at 31 March 2022 to ¥41.777 billion at 31 December 2022. Both non-performing loans and restructured loans also increased. - FY2023-Q2WorsenedAnnual report
「Total ¥39.176 billion ¥40.113 billion」
The total amount of risk-monitored loans increased from ¥39.176 billion at 31 March 2022 to ¥40.113 billion at 30 September 2022. - FY2023-Q1WorsenedAnnual report
「Loan write-offs ¥22 million ¥627 million」
Loan write-offs increased from ¥22 million in the same period of the previous year to ¥627 million. This filing does not expressly state a causal relationship with credit management measures. - FY2022AdvancedAnnual report
「From the end of the current fiscal year, the Bank estimates expected losses based on macroeconomic indicators and other forward-looking information and recognizes an allowance for loan losses on loans to borrowers classified as normal. In addition, for loans to borrowers classified as potentially bankrupt or requiring caution where the amount remaining after deducting the expected realizable value of collateral and the expected recoverable amount under guarantees from the claim amount is at least a specified threshold, the allowance has been recognized from the end of the current fiscal year using the cash flow estimate method (DCF method).」
Expected loss estimates using macroeconomic indicators and the DCF method were introduced in calculating the allowance for loan losses. Changes in estimates increased the allowance for loan losses by ¥1.083 billion. - FY2022-Q3WorsenedAnnual report
「Provision for allowance for loan losses ¥314 million ¥562 million」
Provision for allowance for loan losses increased from ¥314 million in the same period of the previous year to ¥562 million in the cumulative third quarter. This filing does not expressly state a causal relationship with credit management measures. - FY2022-Q2Increase in non-performing loans and decrease in total amountAnnual report
「Non-performing loans ¥22.2 billion ¥28.9 billion」
Non-performing loans increased from ¥22.2 billion at 30 September 2020 to ¥28.9 billion at 30 September 2021. Meanwhile, the total amount of risk-monitored loans decreased, indicating mixed movements among credit risk indicators. - FY2022-Q1WorsenedAnnual report
「Total ¥37.782 billion ¥38.150 billion」
The total amount of risk-monitored loans increased from ¥37.782 billion at 31 March 2021 to ¥38.150 billion at 30 June 2021. - FY2021-Q3WorsenedAnnual report
「Provision for allowance for loan losses — ¥314 million」
Provision for allowance for loan losses amounted to ¥314 million in the cumulative third quarter, compared with none in the same period of the previous year. No causal relationship with credit management measures is stated. - FY2021-Q2Interim-period allowance for loan losses recognizedAnnual report
「Provision for allowance for loan losses — ¥129 million」
Provision for allowance for loan losses amounted to ¥129 million, compared with none in the same period of the previous year. No causal relationship with credit management measures is stated. - FY2021-Q1Allowance for loan losses recognizedAnnual report
「Provision for allowance for loan losses — ¥120 million」
Provision for allowance for loan losses increased from none in the same period of the previous year to ¥120 million in the first quarter. No causal relationship with credit management measures is stated. - FY2020-Q3Increase in loan write-offsAnnual report
「Loan write-offs ¥338 million ¥727 million」
Loan write-offs increased from ¥338 million in the same period of the previous year to ¥727 million. Meanwhile, the total amount of risk-monitored loans decreased, and this filing does not expressly state a causal relationship with credit management measures. - FY2020-Q2Interim-period decrease in reversal gains on allowance for loan lossesAnnual report
「Reversal gains on allowance for loan losses ¥1.911 billion ¥1.043 billion」
Reversal gains on allowance for loan losses decreased from ¥1.911 billion in the same period of the previous year to ¥1.043 billion. This filing does not expressly state a causal relationship with self-assessments or credit management. - FY2020-Q1First-quarter decrease in reversal gains on allowance for loan lossesAnnual report
「Reversal gains on allowance for loan losses ¥1.905 billion ¥1.284 billion」
Reversal gains on allowance for loan losses decreased from ¥1.905 billion in the same period of the previous year to ¥1.284 billion. This filing does not expressly state a causal relationship with self-assessments or credit management. - FY2019-Q3Third-quarter increase in reversal gains on allowance for loan lossesAnnual report
「Reversal gains on allowance for loan losses ¥695 million ¥1.632 billion」
Reversal gains on allowance for loan losses increased from ¥695 million in the same period of the previous year to ¥1.632 billion in the cumulative third quarter. This filing does not expressly state a causal relationship with self-assessments or other factors. - FY2019-Q2Increase in reversal gains on allowance for loan lossesAnnual report
「Ordinary income increased by ¥935 million from the same period of the previous year to ¥26.348 billion, mainly due to an increase in reversal gains on allowance for loan losses.」
Reversal gains on allowance for loan losses increased from ¥909 million in the same period of the previous year to ¥1.911 billion in the interim period. This filing does not expressly state a causal relationship with self-assessments or other factors. - FY2018AdvancedAnnual report
「Credit costs decreased by ¥1.2 billion year on year to ¥100 million as a result of rigorous self-assessments, and were kept under control.」
As a result of rigorous self-assessments and support for customers' business improvement, credit costs decreased by ¥1.2 billion to ¥100 million. - FY2017AdvancedAnnual report
「Credit costs decreased by ¥200 million year on year to ¥1.3 billion as a result of rigorous self-assessments.」
It explains that credit costs decreased year on year as a result of rigorous self-assessments. - FY2016First statedAnnual report
「In accordance with its credit risk management policies and procedures, the Group has established and operates a credit management framework for loans that includes credit screening for individual cases, credit limits, credit information management, internal ratings, guarantees and collateral, and measures to address problem loans.」
The disclosure also describes measures to prevent concentration through credit exposure limit guidelines and a large-exposure monitoring system.