Credit Risk Arising from Deterioration in Borrowers’ Financial Condition and Loan Defaults
First written in FY2016. 21 of 36 entries say "Worsened", first in FY2020-Q2. Latest entry: 2026-07-30.
The Bank of Iwate moved to the "Worse" side of this theme in 2020, the same year as the typical company in this theme.
The whole theme swung hardest in 2020: 24 of 45 companies on the "Worse" side.
20 other companies' latest entry also says "Worsened".
- 2026-07-30WorsenedEarnings
「Credit-related expenses (①＋②−③) 203 186 17」
Non-consolidated credit-related expenses increased from ¥17 million in the same period of the previous year to ¥203 million. Disclosed claims under the Financial Revitalization Act, however, declined from the end of the previous fiscal year. - FY2026WorsenedAnnual report
「As of 31 March 2026, the Bank’s consolidated non-performing loan ratio under the Financial Reconstruction Act was 2.49%, and its non-consolidated non-performing loan ratio was 2.46%.」
The consolidated non-performing loan ratio increased from 2.45% in the previous fiscal year to 2.49%. Total risk-monitored claims increased from ¥57.363 billion to ¥58.255 billion, and credit-related expenses also increased to ¥1.618 billion. - FY2026-H1WorsenedAnnual report
「Total ¥57,363 million ¥59,941 million」
The total amount of risk-monitored claims increased from ¥57.363 billion at the end of March 2025 to ¥59.941 billion at the end of September 2025. In the asset assessment, claims against bankrupt and rehabilitating borrowers, doubtful claims and claims requiring management all increased from the end of the same period of the previous year. - FY2025-H1WorsenedAnnual report
「Amount of claims against bankrupt and rehabilitating borrowers and equivalent claims ¥8,358 million ¥8,759 million Amount of doubtful claims ¥34,869 million ¥37,320 million Amount of claims past due for 3 months or more ¥1 million ¥1 million Amount of restructured loans ¥8,783 million ¥9,238 million Total ¥52,013 million ¥55,319 million」
The total amount of risk-monitored claims increased from ¥52.013 billion at the end of March 2024 to ¥55.319 billion at the end of September 2024. Doubtful claims and restructured loans also increased. - FY2024WorsenedAnnual report
「As of 31 March 2024, the Bank’s consolidated non-performing loan ratio under the Financial Reconstruction Act was 2.45%, and its non-consolidated non-performing loan ratio was 2.42%. Depending on economic trends, fluctuations in real estate and share prices, deterioration in borrowers’ business conditions and other factors, non-performing loans may increase more than expected and adversely affect the Bank’s financial condition and operating results.」
The consolidated non-performing loan ratio was 2.45%, and total risk-monitored claims increased from ¥46.235 billion in the previous fiscal year to ¥52.013 billion. Credit-related expenses also increased to ¥1.529 billion. - FY2024-Q3WorsenedAnnual report
「Amount of claims against bankrupt and rehabilitating borrowers and equivalent claims ¥6,617 million ¥6,341 million Amount of doubtful claims ¥33,888 million ¥37,352 million Amount of claims past due for 3 months or more ¥72 million ¥1 million Amount of restructured loans ¥5,658 million ¥8,654 million Total ¥46,235 million ¥52,350 million」
The total amount of risk-monitored claims increased from ¥46.235 billion at the end of March 2023 to ¥52.350 billion at the end of December 2023. Doubtful claims and restructured loans also increased. - FY2024-Q2WorsenedAnnual report
「Total ¥46,235 million ¥49,598 million」
The total amount of risk-monitored claims increased from ¥46.235 billion at the end of March 2023 to ¥49.598 billion at the end of September 2023. Doubtful claims edged up, while restructured loans increased from ¥5,658 million to ¥8,823 million. - FY2024-Q1MitigatedAnnual report
「Total ¥46,235 million ¥45,813 million」
The total amount of risk-monitored claims decreased from ¥46.235 billion at the end of March 2023 to ¥45.813 billion at the end of June 2023. Doubtful claims and restructured loans also decreased. - FY2023Lower non-performing loan ratio and slight increase in outstanding balanceAnnual report
「The ratio of non-performing loans under the Financial Reconstruction Act was 2.23% at the end of the consolidated fiscal year.」
The non-performing loan ratio decreased from 2.31% in the previous fiscal year to 2.23%, while total risk-monitored claims edged up from ¥46.147 billion to ¥46.235 billion. Claims against bankrupt and rehabilitating borrowers and claims requiring management increased, while doubtful claims decreased. - FY2023-Q3WorsenedAnnual report
「Amount of claims against bankrupt and rehabilitating borrowers and equivalent claims ¥4,734 million ¥9,925 million Amount of doubtful claims ¥37,127 million ¥34,908 million Amount of claims past due for 3 months or more ¥0 million ¥47 million Amount of restructured loans ¥4,285 million ¥5,217 million Total ¥46,147 million ¥50,099 million」
The total amount of risk-monitored claims increased from ¥46.147 billion at the end of March 2022 to ¥50.099 billion at the end of December 2022. Claims against bankrupt and rehabilitating borrowers, claims past due for 3 months or more and restructured loans all increased. - FY2023-Q2WorsenedAnnual report
「Total ¥46,147 million ¥47,866 million」
Total risk-monitored claims increased from ¥46.147 billion at the end of March 2022 to ¥47.866 billion at the end of September 2022. Doubtful claims increased from ¥37.3 billion to ¥37.4 billion, while claims requiring management increased from ¥4.2 billion to ¥4.7 billion. - FY2023-Q1WorsenedAnnual report
「Amount of doubtful claims ¥37,127 million ¥38,003 million Amount of restructured loans ¥4,285 million ¥4,793 million Total ¥46,147 million ¥47,392 million」
The total amount of risk-monitored claims increased from ¥46.147 billion at the end of March 2022 to ¥47.392 billion at the end of June 2022. Doubtful claims and restructured loans also increased. - FY2022Slight decline in total non-performing loans alongside an increase in doubtful claimsAnnual report
「The ratio of non-performing loans under the Financial Reconstruction Act was 2.31% at the end of the consolidated fiscal year.」
The non-performing loan ratio decreased from 2.38% in the previous fiscal year to 2.31%, and total risk-monitored claims also decreased from ¥46.333 billion to ¥46.147 billion, while doubtful claims increased from ¥35.267 billion to ¥37.127 billion. - FY2022-Q3WorsenedAnnual report
「Total ¥45,321 million ¥47,246 million」
The total amount of risk-monitored claims increased from ¥45,321 million at the end of March 2021 to ¥47,246 million at the end of December 2021. The amount of past-due claims also increased from ¥39,274 million to ¥42,023 million. - FY2022-Q2WorsenedAnnual report
「Total ¥45,321 million ¥45,889 million」
The total amount of risk-monitored claims increased from ¥45.321 billion at the end of March 2021 to ¥45.889 billion at the end of September 2021. In the asset assessment, doubtful claims also increased from ¥33.0 billion to ¥37.3 billion. - FY2022-Q1WorsenedAnnual report
「Total ¥45,321 million ¥46,187 million」
The total amount of risk-monitored claims increased from ¥45.321 billion at the end of March 2021 to ¥46.187 billion at the end of June 2021. - FY2021WorsenedAnnual report
「The ratio of non-performing loans under the Financial Reconstruction Act was 2.38% at the end of the consolidated fiscal year. Depending on economic trends, fluctuations in real estate and share prices, deterioration in borrowers’ business conditions and other factors, non-performing loans may increase more than expected and adversely affect the Bank’s performance.」
The non-performing loan ratio was 2.38%, total risk-monitored claims were ¥45.321 billion and doubtful claims were ¥35.2 billion, up from ¥39.237 billion and ¥27.0 billion, respectively, in the previous fiscal year. Credit-related expenses also increased to ¥4.056 billion. - FY2021-Q3WorsenedAnnual report
「Total ¥39,237 million ¥42,269 million」
The total amount of risk-monitored claims increased from ¥39.237 billion at the end of March 2020 to ¥42.269 billion at the end of December 2020. This was above the ¥42.255 billion recorded at the end of the same period of the previous year. - FY2021-Q2WorsenedAnnual report
「Total ¥39,237 million ¥42,691 million」
The total amount of risk-monitored claims increased from ¥39.237 billion at the end of March 2020 to ¥42.691 billion at the end of September 2020. Doubtful claims also increased from ¥29.5 billion to ¥33.0 billion, indicating a deterioration in credit risk indicators. - FY2021-Q1WorsenedAnnual report
「Total ¥39,237 million ¥39,985 million」
The total amount of risk-monitored claims increased from ¥39.237 billion at the end of March 2020 to ¥39.985 billion at the end of June 2020. - FY2020Credit risk indicators divergedAnnual report
「Claims against bankrupt and rehabilitating borrowers and equivalent claims ¥9.7 billion ¥7.3 billion Doubtful claims ¥23.7 billion ¥27.0 billion Claims requiring management ¥7.3 billion ¥4.6 billion Normal claims ¥1.7710 trillion ¥1.7960 trillion」
Total risk-monitored claims decreased from ¥41.422 billion to ¥39.237 billion, and credit-related expenses also declined, while doubtful claims increased from ¥23.7 billion to ¥27.0 billion, resulting in divergent indicators. - FY2020-Q3WorsenedAnnual report
「Total ¥41,422 million ¥42,346 million」
The total amount of risk-monitored claims increased from ¥41,422 million at the end of March 2019 to ¥42,346 million at the end of December 2019. Meanwhile, provision for loan losses decreased from ¥4,122 million in the same period of the previous year to ¥2,608 million. - FY2020-Q2WorsenedAnnual report
「Total ¥41,422 million ¥44,835 million」
The total amount of risk-monitored claims increased from ¥41,422 million at the end of March 2019 to ¥44,835 million at the end of September 2019. In the asset assessment, doubtful claims also increased from ¥20.0 billion to ¥29.5 billion. - FY2020-Q1MitigatedAnnual report
「Ordinary expenses decreased by ¥3,181 million year on year to ¥9,509 million, mainly due to a decrease in credit-related expenses.」
Credit-related expenses decreased, and a ¥158 million reversal of provision for loan losses was recorded in other ordinary income. Total risk-monitored claims also decreased from ¥41,422 million at the end of the previous consolidated fiscal year to ¥41,167 million. - FY2019-Q3MaterialisedAnnual report
「Ordinary expenses increased by ¥4,027 million from the first nine months of the previous fiscal year to ¥32,184 million, mainly due to an increase in credit-related expenses.」
The increase in credit-related expenses was reflected in actual results as a factor behind the increase in ordinary expenses, and provision for loan losses increased from ¥112 million to ¥4,122 million. Total risk-monitored claims increased from ¥37,918 million at the end of the previous consolidated fiscal year to ¥38,171 million. - FY2019-Q2MaterialisedAnnual report
「Ordinary expenses increased by ¥3,151 million from the first half of the previous fiscal year to ¥22,141 million, as other ordinary expenses increased due to provisions for loan losses on large credit exposures, despite a decrease in operating expenses.」
Other ordinary expenses increased due to provisions for loan losses on large credit exposures, and provision for loan losses increased from ¥194 million in the same period of the previous year to ¥3,837 million. Meanwhile, total risk-monitored claims decreased from ¥37,918 million at the end of the previous consolidated fiscal year to ¥37,793 million. - FY2019-Q1MaterialisedAnnual report
「Ordinary expenses increased by ¥3,080 million from the first quarter of the previous fiscal year to ¥12,690 million, mainly due to an increase in credit-related expenses.」
The increase in credit-related expenses was reflected in actual results as a factor behind the increase in ordinary expenses. Provision for loan losses also increased from ¥65 million in the same period of the previous year to ¥3,338 million, while total risk-monitored claims rose from ¥37,918 million to ¥37,996 million. - FY2018MitigatedAnnual report
「Claims against bankrupt and rehabilitating borrowers and equivalent claims ¥5.9 billion, doubtful claims ¥23.5 billion, claims requiring management ¥7.7 billion, normal claims ¥1.7296 trillion」
The total of claims against bankrupt and rehabilitating borrowers, doubtful claims and claims requiring management was ¥37.1 billion, down from ¥37.9 billion in the previous period. - FY2018-Q3MitigatedAnnual report
「Amount of claims against bankrupt borrowers ¥398 million ¥882 million Amount of past-due claims ¥30,365 million ¥26,630 million Amount of claims past due for 3 months or more ¥3 million ¥219 million Amount of restructured loans ¥8,076 million ¥7,598 million Total ¥38,843 million ¥35,331 million」
The total amount of risk-monitored claims decreased from ¥38,843 million at the end of the previous consolidated fiscal year to ¥35,331 million. - FY2018-Q2MitigatedAnnual report
「Claims against bankrupt and rehabilitating borrowers and equivalent claims ¥6.3 billion, doubtful claims ¥22.5 billion, claims requiring management ¥7.6 billion, normal claims ¥1.6591 trillion」
The total of claims against bankrupt and rehabilitating borrowers, doubtful claims and claims requiring management was ¥36.4 billion, down from ¥38.1 billion in the same period of the previous year. - FY2018-Q1MitigatedAnnual report
「Amount of claims against bankrupt borrowers ¥398 million ¥637 million Amount of past-due claims ¥30,365 million ¥29,325 million Amount of claims past due for 3 months or more ¥3 million ¥2 million Amount of restructured loans ¥8,076 million ¥7,481 million Total ¥38,843 million ¥37,446 million」
The total amount of risk-monitored claims decreased from ¥38,843 million at the end of the previous consolidated fiscal year to ¥37,446 million. - FY2017MitigatedAnnual report
「Claims against bankrupt and rehabilitating borrowers and equivalent claims ¥6.6 billion, doubtful claims ¥23.3 billion, claims requiring management ¥8.0 billion, normal claims ¥1.6792 trillion」
In the asset assessment, the total of claims against bankrupt and rehabilitating borrowers, doubtful claims and claims requiring management decreased from ¥42.1 billion in the previous period to ¥37.9 billion. - FY2017-Q3MitigatedAnnual report
「Amount of claims against bankrupt borrowers ¥893 million ¥877 million Amount of past-due claims ¥31,706 million ¥30,690 million Amount of claims past due for 3 months or more ¥16 million ¥3 million Amount of restructured loans ¥9,640 million ¥8,036 million Total ¥42,255 million ¥39,608 million」
The total amount of risk-monitored claims decreased from ¥42,255 million at the end of the previous consolidated fiscal year to ¥39,608 million. - FY2016First statedAnnual report
「There is a risk of incurring losses as the value of assets, including off-balance-sheet assets, declines or disappears due to deterioration in the financial condition of counterparties and other factors.」
It also describes management methods including individual credit reviews, internal ratings, credit limits, problem-loan management and portfolio monitoring.