Risk of Deterioration in Credit Counterparties and an Increase in Non-Performing Loans
First written in FY2016. 17 of 37 entries say "Mitigated", first in FY2017-Q1. Latest entry: 2026-08-03.
The Yamagata Bank moved to the "Worse" side of this theme in 2026, 4 years after the typical company in this theme (2022).
The whole theme swung hardest in 2019: 6 of 14 companies on the "Worse" side.
5 other companies' latest entry also says "Worsened".
- 2026-08-03WorsenedEarnings
「Claims disclosed under the Financial Reconstruction Act increased by ¥1.8 billion year on year to ¥21.2 billion. The non-performing loan ratio rose by 0.04 percentage points year on year to 0.97%, but remained at a favorable level.」
The balance of disclosed claims and the non-performing loan ratio increased from both the same period of the previous year and the end of the previous fiscal year. - FY2026Total amount slightly higher, ratio lower, higher amounts in upper categoriesAnnual report
「Total risk-monitored loan balance 20,821 (1.00) 20,957 (0.97) 136 (△0.03) Claims in bankruptcy and reorganization and equivalent claims 4,041 (0.19) 4,987 (0.23) 946 (0.04) Doubtful claims 10,137 (0.49) 10,852 (0.50) 715 (0.01) Restructured loans 6,642 (0.32) 5,117 (0.23) △1,525 (△0.09)」
Total risk-monitored loans increased by ¥136 million, while the ratio to total credit exposure declined from 1.00% to 0.97%. Claims in bankruptcy and reorganization and doubtful claims increased, while restructured loans decreased. - FY2026-H1Slight decrease in total, increase in higher-risk categoriesAnnual report
「Claims in bankruptcy and reorganization and equivalent claims ¥4,041 million ¥4,456 million Doubtful claims ¥10,137 million ¥11,190 million Loans past due 3 months or more ¥0 million ¥1 million Restructured loans ¥6,642 million ¥5,146 million Total ¥20,821 million ¥20,794 million」
Total risk-monitored loans edged down from ¥20,821 million at the end of the previous fiscal year to ¥20,794 million, while claims in bankruptcy and reorganization, doubtful claims and loans past due 3 months or more increased, and restructured loans decreased. - FY2025-H1WorsenedAnnual report
「Claims in bankruptcy and reorganization and equivalent claims ¥4,087 million ¥4,291 million Doubtful claims ¥10,260 million ¥9,376 million Loans past due 3 months or more ¥4 million — Restructured loans ¥6,678 million ¥7,381 million Total ¥21,031 million ¥21,050 million」
Total risk-monitored loans edged up from ¥21,031 million at the end of the previous fiscal year to ¥21,050 million. Claims in bankruptcy and reorganization and restructured loans increased, indicating deterioration in the breakdown. - FY2024MitigatedAnnual report
「The balance of risk-monitored loans decreased by ¥1,468 million during the consolidated fiscal year to ¥21,031 million. The ratio to total credit exposure declined by 0.16 percentage points during the fiscal year to 1.06%, maintaining a favorable level.」
The risk-monitored loan balance decreased from ¥22,499 million to ¥21,031 million, while its ratio to total credit exposure declined from 1.22% to 1.06%. However, claims in bankruptcy and reorganization and loans past due 3 months or more increased. - FY2024-Q3MitigatedAnnual report
「Claims in bankruptcy and reorganization and equivalent claims ¥2,947 million ¥3,966 million Doubtful claims ¥11,538 million ¥10,265 million Loans past due 3 months or more — million — million Restructured loans ¥8,013 million ¥7,271 million Total ¥22,499 million ¥21,503 million」
Total risk-monitored loans decreased from ¥22,499 million at the end of the previous fiscal year to ¥21,503 million. Restructured loans also decreased from ¥8,013 million to ¥7,271 million. - FY2024-Q2MitigatedAnnual report
「Restructured loans ¥8,013 million ¥7,012 million Total ¥22,499 million ¥22,184 million」
Total risk-monitored loans decreased from ¥22,499 million at the end of the previous fiscal year to ¥22,184 million, and restructured loans also decreased from ¥8,013 million to ¥7,012 million. - FY2024-Q1WorsenedAnnual report
「Restructured loans ¥8,013 million ¥7,858 million Total ¥22,499 million ¥22,741 million」
Total risk-monitored loans increased from ¥22,499 million at the end of the previous fiscal year to ¥22,741 million. Meanwhile, restructured loans decreased from ¥8,013 million to ¥7,858 million. - FY2023WorsenedAnnual report
「The balance of risk-monitored loans increased by ¥1,182 million during the consolidated fiscal year to ¥22,499 million. The ratio to total credit exposure remained flat at 1.22%, maintaining a favorable level.」
The risk-monitored loan balance increased from ¥21,317 million to ¥22,499 million. The ratio remained flat at 1.22%, while restructured loans increased from ¥6,586 million to ¥8,013 million. - FY2023-Q3WorsenedAnnual report
「Restructured loans ¥6,586 million ¥7,806 million Total ¥21,317 million ¥21,453 million」
Total risk-monitored loans increased from ¥21,317 million at the end of the previous fiscal year to ¥21,453 million. Restructured loans also increased from ¥6,586 million to ¥7,806 million. - FY2023-Q2WorsenedAnnual report
「Total ¥21,317 million ¥21,731 million」
Total risk-monitored loans increased from ¥21,317 million at the end of March 2022 to ¥21,731 million. Within the total, restructured loans increased from ¥6,586 million to ¥7,480 million. - FY2023-Q1MitigatedAnnual report
「Total ¥21,317 million ¥21,126 million」
Total risk-monitored loans decreased by ¥91 million from ¥21,317 million at the end of March 2022 to ¥21,126 million. - FY2022MitigatedAnnual report
「Total risk-monitored loan balance 24,778 (1.39) 21,317 (1.22) △3,461 (△0.17)」
The risk-monitored loan balance decreased from ¥24,778 million to ¥21,317 million, while its ratio to total credit exposure declined from 1.39% to 1.22%. - FY2022-Q3Year-to-date decrease in risk-monitored loans and increase in restructured loansAnnual report
「Bankrupt loans: ¥1,716 million, ¥1,452 million; delinquent loans: ¥15,465 million, ¥13,436 million; loans past due 3 months or more: ¥33 million, ¥32 million; restructured loans: ¥6,969 million, ¥8,574 million; total: ¥24,184 million, ¥23,495 million.」
Total risk-monitored loans decreased from ¥24,184 million at the end of March 2021 to ¥23,495 million. Meanwhile, restructured loans increased from ¥6,969 million to ¥8,574 million, with some deterioration in the breakdown. - FY2022-Q2MitigatedAnnual report
「Total amount ¥24,184 million ¥23,222 million」
The total amount of risk-monitored loans decreased from ¥24,184 million at the end of the previous fiscal year to ¥23,222 million. Meanwhile, restructured loans increased from ¥6,969 million to ¥8,378 million. - FY2022-Q1WorsenedAnnual report
「Loans to borrowers in legal bankruptcy: ¥1,716 million, ¥1,819 million; past-due loans: ¥15,465 million, ¥14,662 million; loans past due for 3 months or more: ¥33 million, ¥35 million; restructured loans: ¥6,969 million, ¥8,317 million; total amount: ¥24,184 million, ¥24,834 million.」
The total amount of risk-monitored loans increased from ¥24,184 million at the end of the previous fiscal year to ¥24,834 million. In particular, restructured loans increased from ¥6,969 million to ¥8,317 million. This represents an increase in balances quantified as risk; the text does not state that additional losses have been incurred. - FY2021Balance slightly up, ratio downAnnual report
「The balance of risk-monitored loans increased by ¥130 million during the fiscal year to ¥24,184 million. The ratio to total loans decreased by 0.01 percentage points during the fiscal year to 1.39%, maintaining a favorable level.」
The balance of risk-monitored loans increased by ¥130 million, while the ratio to total loans decreased from 1.40% to 1.39%. - FY2021-Q3MitigatedAnnual report
「Loans to borrowers in legal bankruptcy ¥2,549 million ¥2,012 million Past-due loans ¥13,977 million ¥15,066 million Loans past due for 3 months or more ¥61 million ¥36 million Restructured loans ¥7,465 million ¥6,511 million Total amount ¥24,054 million ¥23,626 million」
The total amount of risk-monitored loans decreased from ¥24,054 million at the end of the previous fiscal year to ¥23,626 million. Although past-due loans increased, the total decreased due to declines in loans to borrowers in legal bankruptcy, loans past due for 3 months or more, and restructured loans. - FY2021-Q2MitigatedAnnual report
「Loans to borrowers in legal bankruptcy: ¥2,549 million, ¥1,920 million; past-due loans: ¥13,977 million, ¥15,015 million; loans past due for 3 months or more: ¥61 million, ¥36 million; restructured loans: ¥7,465 million, ¥6,305 million; total amount: ¥24,054 million, ¥23,278 million.」
The total amount of risk-monitored loans decreased from ¥24,054 million at the end of the previous fiscal year to ¥23,278 million. Although past-due loans increased, the total decreased due to declines in loans to borrowers in legal bankruptcy, loans past due for 3 months or more, and restructured loans. - FY2021-Q1WorsenedAnnual report
「Loans to borrowers in legal bankruptcy ¥2,549 million ¥2,532 million Past-due loans ¥13,977 million ¥14,561 million Loans past due for 3 months or more ¥61 million ¥34 million Restructured loans ¥7,465 million ¥7,369 million Total amount ¥24,054 million ¥24,497 million」
The total amount of risk-monitored loans increased from ¥24,054 million at the end of the previous fiscal year to ¥24,497 million. Past-due loans increased, while loans past due for 3 months or more and restructured loans decreased. - FY2020MitigatedAnnual report
「The balance of risk-monitored loans decreased by ¥228 million during the fiscal year to ¥24,054 million. The ratio to total loans decreased by 0.02 percentage points during the fiscal year to 1.40%, maintaining a favorable level.」
The balance of risk-monitored loans decreased from ¥24,282 million to ¥24,054 million, while the ratio to total loans decreased from 1.42% to 1.40%. Meanwhile, restructured loans increased to ¥7,465 million. - FY2020-Q3MitigatedAnnual report
「Loans to borrowers in legal bankruptcy: ¥2,999 million, ¥3,161 million; past-due loans: ¥14,307 million, ¥11,674 million; loans past due for 3 months or more: ¥49 million, ¥34 million; restructured loans: ¥6,926 million, ¥6,974 million; total amount: ¥24,282 million, ¥21,845 million.」
The total amount of risk-monitored loans decreased from ¥24,282 million at the end of the previous fiscal year to ¥21,845 million. Loans to borrowers in legal bankruptcy and restructured loans increased. - FY2020-Q2MitigatedAnnual report
「Loans to borrowers in legal bankruptcy: ¥2,999 million, ¥2,652 million; past-due loans: ¥14,307 million, ¥12,817 million; loans past due for 3 months or more: ¥49 million, ¥37 million; restructured loans: ¥6,926 million, ¥6,477 million; total amount: ¥24,282 million, ¥21,985 million.」
The total amount of risk-monitored loans decreased from ¥24,282 million at the end of the previous fiscal year to ¥21,985 million, and loans to borrowers in legal bankruptcy, past-due loans, and restructured loans also decreased. - FY2020-Q1MitigatedAnnual report
「Loans to borrowers in legal bankruptcy ¥2,999 million ¥2,985 million Past-due loans ¥14,307 million ¥13,732 million Loans past due for 3 months or more ¥49 million ¥399 million Restructured loans ¥6,926 million ¥6,557 million Total amount ¥24,282 million ¥23,675 million」
The total amount of risk-monitored loans decreased from ¥24,282 million at the end of the previous fiscal year to ¥23,675 million. Meanwhile, loans past due for 3 months or more increased from ¥49 million to ¥399 million. - FY2019WorsenedAnnual report
「The balance of risk-monitored loans increased by ¥3,374 million during the fiscal year to ¥24,282 million. The ratio to total loans increased by 0.21 percentage points during the fiscal year to 1.42%.」
The balance of risk-monitored loans increased from ¥20,908 million to ¥24,282 million, while the ratio to total loans increased from 1.21% to 1.42%. Restructured loans also increased to ¥6,926 million. - FY2019-Q3WorsenedAnnual report
「Loans to borrowers in legal bankruptcy: ¥1,701 million, ¥2,658 million; past-due loans: ¥14,222 million, ¥14,306 million; loans past due for 3 months or more: ¥30 million, ¥38 million; restructured loans: ¥4,953 million, ¥6,475 million; total amount: ¥20,908 million, ¥23,478 million.」
The total amount of risk-monitored loans increased from ¥20,908 million at the end of the previous fiscal year to ¥23,478 million. Restructured loans also increased from ¥4,953 million to ¥6,475 million. The provision for loan losses also increased from ¥374 million in the same period of the previous year to ¥2,647 million. - FY2019-Q2WorsenedAnnual report
「Loans to borrowers in legal bankruptcy ¥1,701 million ¥1,400 million Past-due loans ¥14,222 million ¥14,318 million Loans past due for 3 months or more ¥30 million ¥30 million Restructured loans ¥4,953 million ¥5,425 million Total amount ¥20,908 million ¥21,174 million」
The total amount of risk-monitored loans increased from ¥20,908 million at the end of the previous fiscal year to ¥21,174 million. Past-due loans and restructured loans also increased, while the provision for loan losses increased from ¥360 million in the same period of the previous year to ¥1,687 million. - FY2019-Q1MitigatedAnnual report
「Loans to borrowers in legal bankruptcy ¥1,701 million ¥1,563 million Past-due loans ¥14,222 million ¥13,202 million Loans past due for 3 months or more ¥30 million ¥33 million Restructured loans ¥4,953 million ¥5,129 million Total amount ¥20,908 million ¥19,929 million」
The total amount of risk-monitored loans decreased from ¥20,908 million at the end of the previous fiscal year to ¥19,929 million. Meanwhile, loans past due for 3 months or more and restructured loans increased. - FY2018WorsenedAnnual report
「The balance of risk-monitored loans increased by ¥2,565 million during the fiscal year to ¥20,908 million. The ratio to total loans increased by 0.12 percentage points during the fiscal year to 1.21%.」
The total amount of risk-monitored loans increased from ¥18,343 million to ¥20,908 million, while the ratio to total loans increased from 1.09% to 1.21%. - FY2018-Q3WorsenedAnnual report
「Loans to borrowers in legal bankruptcy ¥582 million ¥1,623 million Past-due loans ¥14,040 million ¥13,092 million Loans past due for 3 months or more ¥23 million ¥24 million Restructured loans ¥3,697 million ¥4,238 million Total amount ¥18,343 million ¥18,978 million」
The total amount of risk-monitored loans increased from ¥18,343 million at the end of the previous fiscal year to ¥18,978 million. Loans to borrowers in legal bankruptcy and restructured loans also increased, indicating deterioration in credit risk on a quantitative basis. - FY2018-Q2WorsenedAnnual report
「Loans to borrowers in legal bankruptcy ¥1,675 million Past-due loans ¥12,965 million Loans past due for 3 months or more ¥28 million Restructured loans ¥4,986 million Total amount ¥19,656 million」
The total amount of risk-monitored loans increased from ¥18,343 million at the end of the previous fiscal year to ¥19,656 million, and restructured loans also increased from ¥3,697 million to ¥4,986 million. The figures indicate a deterioration in the risk of borrower deterioration and increasing non-performing loans. - FY2018-Q1MitigatedAnnual report
「Loans to borrowers in legal bankruptcy ¥582 million ¥859 million Past-due loans ¥14,040 million ¥13,294 million Loans past due for 3 months or more ¥23 million ¥58 million Restructured loans ¥3,697 million ¥3,747 million Total amount ¥18,343 million ¥17,959 million」
The total amount of risk-monitored loans decreased from ¥18,343 million at the end of the previous fiscal year to ¥17,959 million. Meanwhile, loans to borrowers in legal bankruptcy, loans past due for 3 months or more, and restructured loans increased. - FY2017MitigatedAnnual report
「There is a risk that non-performing loans will increase and the value of assets will decline or disappear due to deterioration in the financial condition of borrowers and other factors. An increase in non-performing loans may lead to higher credit-related expenses, including higher allowance for loan losses, and could adversely affect the Bank's operating results and financial condition.」
The disclosure of credit risk continues. The total amount of risk-monitored loans decreased from ¥18,814 million at the end of the previous fiscal year to ¥18,343 million, while restructured loans increased from ¥2,857 million to ¥3,697 million. - FY2017-Q3MitigatedAnnual report
「Loans to borrowers in legal bankruptcy ¥862 million Past-due loans ¥13,492 million Loans past due for 3 months or more ¥25 million Restructured loans ¥3,445 million Total amount ¥17,825 million」
The total amount of risk-monitored loans decreased from ¥18,814 million at the end of the previous fiscal year to ¥17,825 million. Meanwhile, restructured loans increased from ¥2,857 million at the end of the previous fiscal year to ¥3,445 million. - FY2017-Q2WorsenedAnnual report
「Total amount ¥18,814 million ¥18,635 million」
The total amount of risk-monitored loans decreased from ¥18,814 million at the end of the previous fiscal year to ¥18,635 million, but increased from ¥18,572 million in the immediately preceding quarter. By category, restructured loans increased from ¥2,857 million to ¥3,588 million. - FY2017-Q1MitigatedAnnual report
「Total amount ¥18,814 million ¥18,572 million」
The total amount of risk-monitored loans decreased from ¥18,814 million at the end of the previous fiscal year to ¥18,572 million. Meanwhile, loans past due for 3 months or more and restructured loans increased. - FY2016First statedAnnual report
「There is a risk that non-performing loans will increase and asset values will decline or disappear as a result of deterioration in the financial condition of borrowers and other factors.」
The bank identifies deterioration in borrowers’ financial condition as a risk that could increase non-performing loans and reduce asset values.