Risk of Deterioration in the Financial Condition of Credit Counterparties
First written in FY2016. 22 of 39 entries say "Worsened", first in FY2019-Q2. Latest entry: 2026-07-30.
The Akita Bank moved to the "Worse" side of this theme in 2021, 2 years before the typical company in this theme (2023).
The whole theme swung hardest in 2019: 6 of 14 companies on the "Worse" side.
8 other companies' latest entry also says "Mitigated".
- 2026-07-30MitigatedEarnings
「Loans disclosed under the Financial Reconstruction Act decreased by ¥5.0 billion from the end of the same month of the previous year, 30 June 2025, and the non-performing loan ratio consequently declined by 0.32 percentage points to 2.25%.」
金融再生法開示債権および不良債権比率が前年同月末比で低下した。 - FY2026MitigatedAnnual report
「Financial Reconstruction Commission-disclosed non-performing loans decreased by ¥4.9 billion from the end of the previous fiscal year, resulting in a 0.31-point decline in the non-performing loan ratio to 2.40%.」
Financial Reconstruction Commission-disclosed non-performing loans declined from ¥56.6 billion to ¥51.7 billion, and the non-performing loan ratio declined from 2.71% to 2.40%. - FY2026-H1MitigatedAnnual report
「Bankrupt and reorganization claims and similar claims ¥7,987 million ¥10,807 million / At-risk claims ¥46,456 million ¥42,098 million / Loans past due 3 months or more ¥－ million ¥－ million / Restructured loans ¥2,916 million ¥1,878 million / Total ¥57,360 million ¥54,785 million」
Total risk-management claims decreased from ¥57.36 billion at the end of the previous fiscal year to ¥54.785 billion. Bankrupt and reorganization claims increased, but at-risk claims and restructured loans decreased. - FY2025WorsenedAnnual report
「Loans disclosed under the Financial Reconstruction Commission Law increased by ¥3.3 billion from the end of the previous fiscal year, causing the non-performing loan ratio to rise 0.08 percentage points to 2.71%.」
Financial Reconstruction Commission-disclosed non-performing loans rose from ¥53.3 billion to ¥56.6 billion, and the non-performing loan ratio rose from 2.63% to 2.71%. - FY2025-H1WorsenedAnnual report
「Bankrupt and quasi-bankrupt loans ¥7,274 million ¥7,406 million / Doubtful loans ¥43,219 million ¥48,267 million / Loans past due by 3 months or more ¥0 million ¥0 million / Restructured loans ¥3,481 million ¥3,967 million / Total ¥53,975 million ¥59,641 million」
Total risk-monitored loans on a consolidated basis increased from ¥53.975 billion at the end of March 2024 to ¥59.641 billion at the end of September 2024. - FY2024WorsenedAnnual report
「Bankrupt and quasi-bankrupt loans ¥7,794 million ¥7,274 million / Doubtful loans ¥40,452 million ¥43,219 million / Loans past due by 3 months or more ¥0 million ¥0 million / Restructured loans ¥1,555 million ¥3,481 million / Total ¥49,802 million ¥53,975 million」
On a consolidated basis, risk-monitored loans increased from ¥49.802 billion to ¥53.975 billion, with doubtful loans and restructured loans also increasing. - FY2024-Q3WorsenedAnnual report
「Total ¥49,802 million ¥53,771 million」
On a consolidated basis, risk-monitored loans increased from ¥49.802 billion at the end of March 2023 to ¥53.771 billion at the end of December 2023. The quantitative exposure to the risk of deterioration in the financial condition of borrowers is increasing. This is quantified exposure and does not indicate that an individual risk event has occurred. - FY2024-Q2WorsenedAnnual report
「Bankrupt and quasi-bankrupt loans ¥8,229 million / Doubtful loans ¥41,844 million / Loans past due by 3 months or more ¥0 million / Restructured loans ¥2,054 million / Total ¥52,129 million」
On a consolidated basis, risk-monitored loans increased from ¥49.802 billion at the end of March 2023 to ¥52.129 billion at the end of September 2023. - FY2024-Q1WorsenedAnnual report
「Bankrupt and quasi-bankrupt loans ¥7,794 million ¥8,266 million / Doubtful loans ¥40,452 million ¥41,417 million / Loans past due by 3 months or more ¥0 million ¥0 million / Restructured loans ¥1,555 million ¥1,755 million / Total ¥49,802 million ¥51,439 million」
Total risk-monitored loans increased from ¥49.802 billion at the end of March 2023 to ¥51.439 billion at the end of June 2023. - FY2023WorsenedAnnual report
「Loans disclosed under the Financial Reconstruction Commission Law increased by ¥4.9 billion from the end of the previous fiscal year, causing the non-performing loan ratio to rise 0.18 percentage points to 2.56%.」
Loans disclosed under the Financial Reconstruction Commission Law increased from ¥44.3 billion to ¥49.2 billion, while the non-performing loan ratio rose from 2.38% to 2.56%. - FY2023-Q3WorsenedAnnual report
「Bankrupt and quasi-bankrupt loans ¥7,795 million ¥7,820 million / Doubtful loans ¥34,992 million ¥39,895 million / Loans past due by 3 months or more ¥0 million ¥0 million / Restructured loans ¥2,180 million ¥1,707 million / Total ¥44,968 million ¥49,423 million」
Total risk-monitored loans increased from ¥44.968 billion at the end of March 2022 to ¥49.423 billion at the end of December 2022. - FY2023-Q2WorsenedAnnual report
「Bankrupt and quasi-bankrupt loans ¥8,094 million / Doubtful loans ¥38,765 million / Restructured loans ¥1,942 million / Total ¥48,802 million」
On a consolidated basis, risk-monitored loans increased from ¥44.968 billion at the end of March 2022 to ¥48.802 billion at the end of September 2022. - FY2023-Q1WorsenedAnnual report
「Total ¥44,968 million ¥46,319 million」
On a consolidated basis, risk-monitored loans increased by ¥1.351 billion from ¥44.968 billion at the end of March 2022 to ¥46.319 billion at the end of June 2022. - FY2022WorsenedAnnual report
「Loans disclosed under the Financial Reconstruction Commission Law increased by ¥3.7 billion from the end of the previous fiscal year, causing the non-performing loan ratio to rise 0.21 percentage points to 2.38%.」
Loans disclosed under the Financial Reconstruction Commission Law increased from ¥40.6 billion to ¥44.3 billion, while the non-performing loan ratio rose from 2.17% to 2.38%. - FY2022-Q3WorsenedAnnual report
「Total ¥41,071 million ¥44,969 million」
On a consolidated basis, risk-monitored loans increased from ¥41.071 billion at the end of March 2021 to ¥44.969 billion at the end of December 2021. - FY2022-Q2WorsenedAnnual report
「Total ¥41,071 million ¥44,413 million」
Total risk-monitored loans on a consolidated basis increased from ¥41.071 billion at the end of March 2021 to ¥44.413 billion at the end of September 2021. - FY2022-Q1WorsenedAnnual report
「Total ¥41,071 million ¥41,797 million」
Total risk-monitored loans increased from ¥41.071 billion at the end of March 2021 to ¥41.797 billion at the end of June 2021. - FY2021WorsenedAnnual report
「Loans disclosed under the Financial Reconstruction Commission Law increased by ¥6.9 billion from the end of the previous fiscal year, causing the non-performing loan ratio to rise 0.12 percentage points to 2.17%.」
Loans disclosed under the Financial Reconstruction Commission Law increased from ¥33.7 billion to ¥40.6 billion, while the non-performing loan ratio rose from 2.05% to 2.17%. - FY2021-Q3WorsenedAnnual report
「Total ¥34,121 million ¥39,022 million」
Total risk-monitored loans on a consolidated basis increased from ¥34.121 billion at the end of March 2020 to ¥39.022 billion at the end of December 2020. - FY2021-Q2WorsenedAnnual report
「Total ¥34,121 million ¥38,626 million」
Total risk-monitored loans on a consolidated basis increased by ¥4.505 billion from ¥34.121 billion at the end of March 2020 to ¥38.626 billion at the end of September 2020. - FY2021-Q1WorsenedAnnual report
「Total ¥34,121 million ¥36,334 million」
Total risk-monitored loans on a consolidated basis increased by ¥2.213 billion from ¥34.121 billion at the end of March 2020 to ¥36.334 billion at the end of June 2020. - FY2020MitigatedAnnual report
「Total ¥36,719 million ¥34,121 million」
Total risk-monitored loans on a consolidated basis decreased from ¥36.719 billion at the end of the previous fiscal year to ¥34.121 billion. - FY2020-Q3MitigatedAnnual report
「Total ¥36,719 million ¥35,745 million」
Total risk-monitored loans on a consolidated basis decreased from ¥36.719 billion at the end of March 2019 to ¥35.745 billion at the end of December 2019. - FY2020-Q2MitigatedAnnual report
「Bankrupt and quasi-bankrupt loans ¥2,392 million ¥2,156 million / Past-due loans ¥31,629 million ¥32,139 million / Loans past due by 3 months or more ¥0 million ¥0 million / Restructured loans ¥2,697 million ¥1,015 million / Total ¥36,719 million ¥35,310 million」
Total risk-monitored loans on a consolidated basis decreased from ¥36.719 billion at the end of the previous fiscal year to ¥35.31 billion. Meanwhile, doubtful loans and loans requiring management increased from the asset assessment amounts for the same period of the previous year. - FY2020-Q1WorsenedAnnual report
「Bankrupt and quasi-bankrupt loans ¥2,392 million ¥2,881 million / Past-due loans ¥31,629 million ¥31,959 million / Loans past due by 3 months or more ¥0 million ¥0 million / Restructured loans ¥2,697 million ¥2,717 million / Total ¥36,719 million ¥37,558 million」
Total risk-monitored loans increased from ¥36.719 billion at the end of March 2019 to ¥37.558 billion at the end of June 2019. - FY2019WorsenedAnnual report
「On a consolidated basis, risk-monitored loans increased by ¥3.457 billion from the end of the previous consolidated fiscal year to ¥36.719 billion, mainly due to an increase in risk-monitored loans at the Bank on a standalone basis.」
Risk-monitored loans increased by ¥3.457 billion from the end of the previous fiscal year to ¥36.719 billion. - FY2019-Q3WorsenedAnnual report
「Total ¥33,262 million ¥33,970 million」
On a consolidated basis, risk-monitored loans increased by ¥708 million from ¥33.262 billion at the end of the previous consolidated fiscal year to ¥33.97 billion at the end of the third quarter. - FY2019-Q2WorsenedAnnual report
「Total of bankrupt and quasi-bankrupt loans, past-due loans, loans past due by 3 months or more, and restructured loans ¥33,262 million ¥33,560 million」
On a consolidated basis, risk-monitored loans increased by ¥298 million from ¥33.262 billion at the end of the previous consolidated fiscal year to ¥33.56 billion. - FY2019-Q1MitigatedAnnual report
「Bankrupt and quasi-bankrupt loans ¥2,375 million ¥2,616 million / Past-due loans ¥30,495 million ¥30,126 million / Loans past due by 3 months or more ¥0 million ¥0 million / Restructured loans ¥392 million ¥380 million / Total ¥33,262 million ¥33,123 million」
Total risk-monitored loans decreased from ¥33.262 billion at the end of March 2018 to ¥33.123 billion at the end of June 2018. - FY2018MitigatedAnnual report
「On a consolidated basis, risk-monitored loans decreased by ¥3.144 billion from the end of the previous consolidated fiscal year to ¥33.262 billion, due to improvements in borrower classifications accompanying improved business conditions among counterparties.」
Risk-monitored loans decreased by ¥3.144 billion from the end of the previous fiscal year on a consolidated basis, due to improved business conditions among counterparties and upgrades in borrower classifications. - FY2018-Q3MitigatedAnnual report
「Bankrupt and quasi-bankrupt loans ¥1,962 million ¥2,086 million / Past-due loans ¥34,027 million ¥30,748 million / Loans past due by 3 months or more ¥0 million ¥0 million / Restructured loans ¥416 million ¥396 million / Total ¥36,406 million ¥33,231 million」
Total risk-monitored loans decreased from ¥36.406 billion at the end of the previous consolidated fiscal year to ¥33.231 billion. - FY2018-Q2MitigatedAnnual report
「Total of bankrupt and quasi-bankrupt loans, past-due loans, loans past due by 3 months or more, and restructured loans ¥36,406 million ¥34,515 million」
Total risk-monitored loans decreased from ¥36.406 billion at the end of the previous consolidated fiscal year to ¥34.515 billion. - FY2018-Q1MitigatedAnnual report
「Bankrupt and quasi-bankrupt loans ¥1,962 million ¥2,009 million / Past-due loans ¥34,027 million ¥32,691 million / Restructured loans ¥416 million ¥419 million / Total ¥36,406 million ¥35,120 million」
Total risk-monitored loans decreased from ¥36.406 billion at the end of the previous consolidated fiscal year to ¥35.12 billion. - FY2017MitigatedAnnual report
「On a consolidated basis, risk-monitored loans decreased by ¥5.578 billion from the previous consolidated fiscal year to ¥36.406 billion, due to improvements in borrower classifications accompanying improved business conditions among counterparties.」
Risk-monitored loans decreased on a consolidated basis as borrowers' business conditions improved and their borrower classifications were upgraded. - FY2017-Q3RestatedAnnual report
「During the cumulative third quarter of the consolidated fiscal period under review, no matters arose that could materially affect investors' decisions. There were also no material changes to the business and other risks described in the Annual Securities Report for the previous fiscal year.」
States that there have been no material changes in the risk of deterioration in the financial condition of borrowers. - FY2017-Q2RestatedAnnual report
「There have been no material changes to the matters concerning business and other risks described in the annual securities report for the previous fiscal year.」
States that there have been no material changes in the risk of deterioration in the financial condition of borrowers. - FY2016First statedAnnual report
「The value of assets, including off-balance-sheet assets, may decline or be lost due to deterioration in the financial condition of borrowers or other factors, resulting in losses.」
Describes the elimination of concentration in specific industries and groups, credit ratings, and the separation of the credit screening and management function from the sales function as risk management measures.