Reduction in Risk-Managed Loans and Improvement in Borrower Classifications
First written in FY2016. 26 of 38 entries say "Advanced", first in FY2017-Q1. Latest entry: 2026-07-30.
The whole theme swung hardest in 2020: 3 of 10 companies on the "Worse" side.
3 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の減少と不良債権比率の低下により、減少・改善傾向が続いた。 - FY2026MitigatedAnnual report
「Loans to borrowers in bankruptcy or rehabilitation and similar loans ¥7,987 million ¥11,746 million / At-risk loans ¥46,456 million ¥38,729 million / Loans past due for 3 months or longer ¥— million ¥— million / Restructured loans ¥2,916 million ¥2,103 million / Total ¥57,360 million ¥52,578 million」
The total amount of consolidated risk-monitored loans decreased from ¥57.360 billion to ¥52.578 billion. The decreases in at-risk loans and restructured loans contributed to the decline. - 2026-05-14MitigatedRevisions to earnings forecasts
「 Total 52,578 △4,782 57,360」
連結の金融再生法開示債権・リスク管理債権合計は573億6,000万円から525億7,800万円へ減少した。 - 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」
The total amount of risk-monitored loans decreased from ¥57.360 billion at the end of the previous fiscal year to ¥54.785 billion, marking a shift from an increasing trend to a declining trend. - FY2025WorsenedAnnual report
「Total ¥53,975 million ¥57,360 million」
The amount of consolidated risk-monitored loans increased from ¥53.975 billion to ¥57.360 billion. - FY2025-H1WorsenedAnnual report
「Total ¥53,975 million ¥59,641 million」
The amount of risk-monitored loans increased from ¥53.975 billion at the end of the same period of the previous year to ¥59.641 billion, continuing the previous increasing trend. - FY2024ReframedAnnual report
「Loans disclosed under the Financial Reconstruction Act increased by ¥4.1 billion from the end of the previous fiscal year, causing the non-performing loan ratio to rise by 0.07 percentage points to 2.63%.」
The disclosures continued to shift from the previous theme of decreases and improvement to an increase in risk-monitored loans and a rise in the non-performing loan ratio. - FY2024-Q2AdvancedAnnual report
「Total ¥49,802 million ¥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-Q1AdvancedAnnual report
「Total ¥49,802 million ¥51,439 million」
The amount of consolidated risk-monitored loans increased from ¥49.802 billion at the end of March 2023 to ¥51.439 billion at the end of June 2023, and the increasing trend continued. - FY2023AdvancedAnnual report
「Total ¥44,968 million ¥49,802 million」
The amount of consolidated risk-monitored loans increased from ¥44.968 billion to ¥49.802 billion. - FY2023-Q3AdvancedAnnual report
「Total ¥44,968 million ¥49,423 million」
The amount of consolidated risk-monitored loans increased from ¥44.968 billion at the end of March 2022 to ¥49.423 billion at the end of December 2022, and the increasing trend continued. - FY2023-Q2AdvancedAnnual report
「Total ¥44,968 million ¥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-Q1AdvancedAnnual report
「Total ¥44,968 million ¥46,319 million」
The amount of risk-monitored loans increased by ¥13.510 billion from the end of the previous consolidated fiscal year, and the increasing trend continues. - FY2022AdvancedAnnual report
「Total ¥41,310 million ¥44,968 million」
The amount of consolidated risk-monitored loans increased from ¥41.310 billion to ¥44.968 billion, and the increasing trend continued. - FY2022-Q3AdvancedAnnual report
「Total ¥41,071 million ¥44,969 million」
The amount of consolidated risk-monitored loans increased by ¥3.898 billion from the end of the previous fiscal year, and the increasing trend continues. - FY2022-Q2AdvancedAnnual report
「Total ¥41,071 million ¥44,413 million」
The total amount of consolidated risk-monitored loans increased from ¥41.071 billion at the end of March 2021 to ¥44.413 billion at the end of September 2021. - FY2022-Q1AdvancedAnnual report
「Total ¥41,071 million ¥41,797 million」
The total amount of consolidated risk-monitored loans increased by ¥726 million from the end of the previous fiscal year. - FY2021AdvancedAnnual report
「Total ¥34,121 million ¥41,071 million」
The total amount of consolidated risk-monitored loans increased from ¥34.121 billion to ¥41.071 billion. - FY2021-Q3AdvancedAnnual report
「Total ¥34,121 million ¥39,022 million」
The total amount of consolidated risk-monitored loans increased from ¥34.121 billion at the end of March 2020 to ¥39.022 billion at the end of December 2020, with the increase continuing. - FY2021-Q2AdvancedAnnual report
「Total ¥34,121 million ¥38,626 million」
The total amount of risk-monitored loans increased from ¥34.121 billion at the end of March 2020 to ¥38.626 billion at the end of September 2020, marking a further increase following the previous quarter. - FY2021-Q1ReframedAnnual report
「Total ¥34,121 million ¥36,334 million」
The amount of risk-monitored loans, which had previously been declining, increased from ¥34.121 billion at the end of March 2020 to ¥36.334 billion at the end of June 2020. - FY2020AdvancedAnnual report
「The amount of consolidated risk-monitored loans decreased from ¥36.719 billion at the end of the previous consolidated fiscal year to ¥34.121 billion.」
The amount of risk-monitored loans decreased by ¥2.598 billion for the full fiscal year. - FY2020-Q3AdvancedAnnual 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-Q2AdvancedAnnual report
「Total of loans to borrowers in legal bankruptcy, past-due loans, loans past due for 3 months or longer, and restructured loans ¥36,719 million ¥35,310 million」
The total amount of consolidated risk-monitored loans decreased from ¥36.719 billion at the end of March 2019 to ¥35.310 billion at the end of September 2019. - FY2020-Q1AdvancedAnnual report
「Total ¥36,719 million ¥37,558 million」
The total amount of consolidated risk-monitored loans increased from ¥36.719 billion at the end of March 2019 to ¥37.558 billion at the end of June 2019. The increase has continued since the previous full fiscal year, when the trend shifted from declining to increasing. - FY2019ReframedAnnual 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.」
The shift from the previous declining trend to an increasing trend was also confirmed in the full-year disclosure, with the amount increasing from ¥33.262 billion at the end of the previous fiscal year to ¥36.719 billion. - FY2019-Q3ReframedAnnual report
「Total ¥33,262 million ¥33,970 million」
The amount of consolidated risk-monitored loans, which had previously been declining, increased by ¥708 million from the end of the previous fiscal year at the end of the third quarter. The description changed from a declining trend to an increasing trend. - FY2019-Q2ReframedAnnual 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」
The amount of consolidated risk-monitored loans, which had previously been declining, increased by ¥298 million from the end of the previous fiscal year during the current interim period. In the asset assessment, performing loans increased from ¥1.6412 trillion to ¥1.6722 trillion. - FY2019-Q1AdvancedAnnual report
「Total ¥33,262 million ¥33,123 million」
The total amount of consolidated risk-monitored loans decreased from ¥33.262 billion at the end of March 2018 to ¥33.123 billion at the end of June 2018. - FY2018AdvancedAnnual report
「Total ¥36,406 million ¥33,262 million」
The total amount of consolidated risk-monitored loans decreased from ¥36.406 billion at the end of the previous fiscal year to ¥33.262 billion. - FY2018-Q3AdvancedAnnual report
「Total ¥36,406 million ¥33,231 million」
The total amount of consolidated risk-monitored loans decreased by ¥3.175 billion from the end of the previous consolidated fiscal year. - FY2018-Q2AdvancedAnnual report
「The total of loans to borrowers in legal bankruptcy, past-due loans, loans past due for 3 months or longer, and restructured loans was as follows: Previous consolidated fiscal year (31 March 2017) ¥36,406 million / Current interim consolidated accounting period (30 September 2017) ¥34,515 million」
The total amount of consolidated risk-monitored loans decreased by ¥1.891 billion from the end of the previous fiscal year. - FY2018-Q1AdvancedAnnual 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」
The total amount of consolidated risk-monitored loans decreased from ¥36.406 billion at the end of the previous consolidated fiscal year to ¥35.120 billion. - FY2017AdvancedAnnual 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.」
The total amount of risk-monitored loans decreased from ¥41.984 billion at the end of the previous fiscal year to ¥36.406 billion. - FY2017-Q3AdvancedAnnual report
「Loans to borrowers in legal bankruptcy ¥1,897 million ¥3,183 million / Past-due loans ¥39,637 million ¥37,790 million / Restructured loans ¥448 million ¥428 million / Total ¥41,984 million ¥41,402 million」
The total amount of consolidated risk-monitored loans decreased by ¥582 million, from ¥41.984 billion at the end of March 2016 to ¥41.402 billion at the end of December 2016. - FY2017-Q2AdvancedAnnual report
「Total of loans to borrowers in legal bankruptcy, past-due loans, loans past due for 3 months or longer, and restructured loans ¥41,984 million ¥41,828 million」
The total amount of consolidated risk-monitored loans decreased by ¥156 million, from ¥41.984 billion at the end of March 2016 to ¥41.828 billion at the end of September 2016. - FY2017-Q1AdvancedAnnual report
「Total ¥41,984 million ¥40,078 million」
Risk-monitored loans decreased by ¥1.906 billion, from ¥41.984 billion at the end of March 2016 to ¥40.078 billion at the end of June 2016. The reason for the decrease was not explained in the quarterly report. - FY2016First statedAnnual report
「On a consolidated basis, risk-monitored loans decreased by ¥6.202 billion from the end of the previous consolidated fiscal year to ¥41.984 billion, due to improvements in borrower classifications resulting from improved business conditions at counterparties.」
It reported that risk-monitored loans and their proportion of total loans declined while the loan balance increased.