Risk of deterioration in Chiba Prefecture’s economy and counterparties’ business conditions
First written in FY2016. 15 of 31 entries say "Worsened", first in FY2019-Q1. Latest entry: FY2026.
The Chiba Kogyo Bank moved to the "Worse" side of this theme in 2021.
0 other companies' latest entry also says "Other".
- FY2026Non-performing loans down overall, but restructured loans increasedAnnual report
「If economic conditions in Chiba Prefecture, which is the foundation of the Bank's operations, deteriorate more than expected, or a large-scale disaster occurs, particularly in Chiba Prefecture, deterioration in customers' operating conditions and impairment of the Bank's assets could make it difficult to maintain and expand the foundation of the Bank's earnings, potentially adversely affecting its business performance and financial condition.」
The Bank continues to disclose regional economic trend risk. Among the related indicators, doubtful claims and the total amount decreased, while restructured loans increased. - 2026-05-14MitigatedRevisions to earnings forecasts
「The amount of non-performing loans under the Financial Reconstruction Act decreased by ¥6.2 billion from the end of the previous fiscal year to ¥34.8 billion. It remains at a low level.」
The disclosure stated that the amount of non-performing loans had declined from the end of the previous fiscal year and remained at a low level. - FY2026-H1Non-performing loans down overall, 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」
As indicators related to the risk of deterioration in economic conditions in Chiba Prefecture and the operating conditions of customers, doubtful claims and the total amount of risk-monitored claims decreased, while restructured loans increased. - FY2025Total amount down, but doubtful claims upAnnual 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」
As an indicator related to the risk of deterioration in economic conditions in Chiba Prefecture and the operating conditions of customers, doubtful claims increased, while the total amount of risk-monitored claims decreased from the end of the previous fiscal year. - 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」
As indicators related to the risk of deterioration in economic conditions in Chiba Prefecture and the operating conditions of customers, doubtful claims, restructured loans and the total amount of risk-monitored claims increased from the end of March 2024. - FY2024-Q3Total risk-monitored claims down, but restructured loans upAnnual report
「Amount of bankrupt and reorganization claims and similar claims ¥5,492 million ¥5,487 million Doubtful claims ¥34,211 million ¥31,956 million Claims three months or more past due ¥566 million — million Restructured loans ¥3,285 million ¥4,998 million Total amount ¥43,556 million ¥42,442 million」
The total amount of risk-monitored claims decreased from ¥43,556 million at the end of March 2023 to ¥42,442 million, while restructured loans increased from ¥3,285 million to ¥4,998 million. - FY2024-Q2Total risk-monitored claims down, but restructured loans upAnnual report
「Amount of bankrupt and reorganization claims and similar claims ¥5,492 million ¥5,644 million Doubtful claims ¥34,211 million ¥32,573 million Claims three months or more past due ¥566 million — million Restructured loans ¥3,285 million ¥4,832 million Total amount ¥43,556 million ¥43,050 million」
The total amount of risk-monitored claims decreased from ¥43,556 million at the end of March 2023 to ¥43,050 million, while restructured loans increased from ¥3,285 million to ¥4,832 million. - FY2024-Q1WorsenedAnnual report
「Amount of bankrupt and reorganization claims and similar claims ¥5,492 million ¥5,697 million Doubtful claims ¥34,211 million ¥33,142 million Claims three months or more past due ¥566 million ¥165 million Restructured loans ¥3,285 million ¥4,683 million Total amount ¥43,556 million ¥43,689 million」
The total amount of risk-monitored claims increased from ¥43,556 million at the end of March 2023 to ¥43,689 million at the end of June 2023. Doubtful claims and claims three months or more past due decreased, while restructured loans increased. - 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」
As indicators related to the risk of deterioration in economic conditions in Chiba Prefecture and the operating conditions of customers, doubtful claims, restructured loans and the total amount of risk-monitored claims increased from the end of March 2022. - FY2023-Q2WorsenedAnnual report
「Doubtful claims ¥30,969 million ¥31,218 million Restructured loans ¥3,301 million ¥4,466 million Total amount ¥39,176 million ¥40,113 million」
Doubtful claims, restructured loans and the total amount of risk-monitored claims increased from the end of March 2022 to the end of September 2022. - FY2023-Q1WorsenedAnnual report
「Amount of bankrupt and reorganization claims and similar claims ¥4,904 million ¥5,066 million Doubtful claims ¥30,969 million ¥30,855 million Claims three months or more past due — million ¥139 million Restructured loans ¥3,301 million ¥3,402 million Total amount ¥39,176 million ¥39,464 million」
The total amount of risk-monitored claims increased from ¥39,176 million at the end of March 2022 to ¥39,464 million at the end of June 2022. Claims three months or more past due were newly recorded at ¥139 million. - FY2022WorsenedAnnual report
「Doubtful claims increased from ¥28.7 billion to ¥30.9 billion, and claims requiring special attention increased from ¥3.2 billion to ¥3.3 billion, bringing the total amount from ¥38,129 million to ¥39,176 million.」
The total amount of risk-monitored claims increased from the end of the previous fiscal year, particularly doubtful claims. - FY2022-Q3WorsenedAnnual report
「Total amount ¥37,782 million ¥38,234 million」
The total amount of risk-monitored claims increased from ¥37,782 million at the end of March 2021 to ¥38,234 million at the end of December 2021. By category, delinquent claims increased, while restructured loans decreased. - FY2022-Q2Total risk-monitored loans down, but non-performing loans increasedAnnual report
「Total amount ¥37,782 million ¥37,539 million」
The total amount of risk-monitored claims decreased from ¥37,782 million at the end of March 2021 to ¥37,539 million at the end of September 2021. Meanwhile, doubtful claims increased from ¥22.2 billion to ¥28.9 billion. - FY2022-Q1WorsenedAnnual report
「The amount of restructured loans also increased from ¥3,289 million to ¥3,660 million.」
The total amount of risk-monitored claims increased from ¥37,782 million to ¥38,150 million, while restructured loans increased from ¥3,289 million to ¥3,660 million. - FY2021-Q3WorsenedAnnual report
「Total amount ¥29,357 million ¥31,518 million」
The total amount of risk-monitored claims increased from ¥29,357 million at the end of March 2020 to ¥31,518 million at the end of December 2020. The amount of restructured loans also increased from ¥2,380 million to ¥3,395 million. - FY2021-Q2WorsenedAnnual report
「Total amount ¥29,357 million ¥31,894 million」
The total amount of risk-monitored claims increased from ¥29,357 million at the end of March 2020 to ¥31,894 million at the end of September 2020. The amount of restructured loans also increased from ¥2,380 million to ¥3,564 million. - FY2021-Q1WorsenedAnnual report
「Total amount ¥29,357 million ¥30,470 million」
The total amount of risk-monitored claims increased from ¥29,357 million at the end of March 2020 to ¥30,470 million at the end of June 2020. The amount of restructured loans also increased from ¥2,380 million to ¥3,805 million. - FY2020-Q3MitigatedAnnual report
「Total amount ¥31,636 million ¥30,507 million」
The total amount of risk-monitored claims decreased from ¥31,636 million at the end of March 2019 to ¥30,507 million at the end of December 2019. - FY2020-Q2MitigatedAnnual report
「Total amount ¥31,636 million ¥31,534 million」
The total amount of risk-monitored claims decreased by ¥102 million from ¥31,636 million at the end of March 2019 to ¥31,534 million at the end of September 2019. - FY2020-Q1WorsenedAnnual report
「Total amount ¥31,636 million ¥32,344 million」
The total amount of risk-monitored claims increased from ¥31,636 million at the end of March 2019 to ¥32,344 million at the end of June 2019. - FY2019-Q3WorsenedAnnual report
「Total amount ¥30,998 million ¥32,607 million」
The total amount of risk-monitored claims increased from ¥30,998 million at the end of March 2018 to ¥32,607 million at the end of December 2018. - FY2019-Q2WorsenedAnnual report
「Total amount ¥30,998 million ¥31,320 million」
The total amount of bankrupt, delinquent, three months or more past-due, and restructured loans increased from ¥30,998 million at the end of March 2018 to ¥31,320 million at the end of September 2018. - FY2019-Q1WorsenedAnnual report
「Total ¥30.998 billion ¥31.164 billion」
The total amount of risk-monitored loans increased from ¥30.998 billion at 31 March 2018 to ¥31.164 billion at 30 June 2018. - FY2018MitigatedAnnual report
「Total ¥32.485 billion ¥30.998 billion」
The total amount of risk-monitored loans decreased from ¥32.485 billion at the end of the previous fiscal year to ¥29.998 billion. - FY2018-Q3MitigatedAnnual report
「Total ¥32.485 billion ¥30.695 billion」
The total amount of risk-monitored loans decreased from ¥32.485 billion at 31 March 2017 to ¥30.695 billion at 31 December 2017. Meanwhile, loans past due by 3 months or more increased from ¥41 million to ¥402 million. - FY2018-Q2MitigatedAnnual report
「Total ¥32.485 billion ¥31.633 billion」
The total amount of risk-monitored loans decreased from ¥32.485 billion at 31 March 2017 to ¥31.633 billion at 30 September 2017. - FY2018-Q1MitigatedAnnual report
「Total ¥32.485 billion ¥31.950 billion」
The total amount of risk-monitored loans decreased from ¥32.485 billion at 31 March 2017 to ¥31.950 billion at 30 June 2017. - FY2017MitigatedAnnual report
「Bankruptcy and reorganization claims and similar claims ¥5.0 billion, non-performing loans ¥23.8 billion, loans requiring management ¥2.9 billion」
Loans requiring management and similar loans in the asset quality assessment decreased from the end of the previous fiscal year, and the total amount of risk-monitored loans was ¥32.485 billion. - FY2017-Q3Decrease in risk-monitored loansAnnual report
「Total ¥33.963 billion ¥32.806 billion」
The total amount of risk-monitored loans decreased from ¥33.963 billion at the end of the previous consolidated fiscal year to ¥32.806 billion at the end of the third quarter. Meanwhile, loans past due by 3 months or more amounted to ¥48 million. - FY2016First statedAnnual report
「A prolonged downturn in the domestic and prefectural economies, deterioration in customers' business conditions, and declines in collateral and guarantee values due to falling real estate prices could result in additional losses, including further recognition of credit-related expenses.」
The asset quality assessment discloses ¥6.0 billion in bankruptcy and reorganization claims, ¥24.0 billion in non-performing loans, and ¥3.2 billion in loans requiring management, while this section identifies potential future additional losses as a risk.