Komori
The Toho Bank (8346) · RiskMitigated

Credit Exposure from Undrawn Loan Commitments

First written in FY2024-Q2. 2 of 5 entries say "Mitigated", first in FY2024. Latest entry: FY2026.

5entries
4years
0from disclosures
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How it moved
ProgressHeldSoftenedWorseFirst statedFY2024-Q2MitigatedFY2024WorsenedFY2025-H1 – FY2026-H12023: 120232024: 220242025: 120252026: 12026
Same theme, other companies
Undrawn Balances of Loan Commitments and Funding Provision ExposureA theme 20 companies write about · 19 as a headwind · 0 as a tailwind

The whole theme swung hardest in 2017: 4 of 10 companies on the "Worse" side.

9 other companies' latest entry also says "Mitigated".

Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
Showing 14 of the 20 companies compared. The sentences above are computed from all 20.
Full recordFilings, disclosures and news, newest first
  1. FY2026MitigatedAnnual report

    「Undrawn loan commitments decreased from ¥848,602 million to ¥823,482 million.」

    Undrawn loan commitments decreased by ¥25.120 billion from the previous fiscal year-end. The Bank continued monitoring customers’ financial condition after contracts, revising contracts and taking credit-protection measures.
  2. FY2026-H1Undrawn loan commitments increasedAnnual report

    「Undrawn loan commitments ¥848,602 million ¥850,928 million」

    Undrawn loan commitments increased from ¥848,602 million at the previous fiscal year-end to ¥850,928 million. The Bank continued monitoring customers’ financial condition, revising contracts and taking credit-protection measures.
  3. FY2025-H1Undrawn loan commitments increased slightlyAnnual report

    「Undrawn loan commitments ¥843,748 million ¥844,397 million」

    Undrawn loan commitments increased slightly from ¥843,748 million at the previous fiscal year-end to ¥844,397 million. The Bank continued monitoring customers’ financial condition after contracts, revising contracts and taking credit-protection measures.
  4. FY2024MitigatedAnnual report

    「Undrawn loan commitments were ¥843,748 million, of which ¥785,758 million related to commitments with an original contract term of one year or less or commitments cancellable unconditionally at any time.」

    Undrawn loan commitments decreased from ¥850,947 million in the second quarter to ¥843,748 million. The Bank continued monitoring customers’ financial condition, revising contracts and taking credit-protection measures.
  5. FY2024-Q2First statedAnnual report

    「Undrawn loan commitments: ¥850,947 million Of which, commitments with an original contract term of one year or less, or commitments cancellable unconditionally at any time: ¥787,498 million」

    The Bank disclosed ¥850,947 million of undrawn loan commitments related to overdraft agreements and commitment lines. It stated that it monitors customers’ financial condition after contracts are signed and revises contracts or takes credit-protection measures as necessary.
Moved together

"Addressing Asset Management Needs through Toho Securities" moved the same way as this thread, in the same document, in 3 of its 5 moves.

332222★123456
  1. ★This thread
  2. 1Addressing Asset Management Needs through Toho Securities3×
  3. 2Risk of impairment and valuation losses on held shares due to share price declines3×
  4. 3Regulatory Response Risk Caused by a Decline in the Capital Adequacy Ratio2×
  5. 4Strengthening Equity Through Enhanced Earnings Power2×
  6. 5Funding for Renewable Energy and Medical Industries and Business Revitalization Support2×
  7. 6Credit Risk on Loans and Asset Quality Assessment2×

★ is this thread; numbers match the list above. The number on a line is how many documents both moved the same way in; lines between the other threads count the documents they moved together in too. Threads that move together often sit closer.

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No upcoming earnings preview for The Toho Bank yet.
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