Credit Risk on Loans and Asset Quality Assessment
First written in FY2017-Q2. 24 of 34 entries say "Worsened", first in FY2018-Q3. Latest entry: 2026-07-31.
The Toho Bank moved to the "Worse" side of this theme in 2019, 1 year before the typical company in this theme (2020).
The whole theme swung hardest in 2020: 23 of 44 companies on the "Worse" side.
21 other companies' latest entry also says "Mitigated".
- FY2026-H1WorsenedAnnual report
「Subtotal — ¥55,574 million — ¥55,748 million」
The consolidated subtotal of risk-monitored loans increased from ¥55,574 million at the end of the previous fiscal year to ¥55,748 million. Claims on bankrupt or reorganized obligors and claims requiring management also increased. - FY2025-H1WorsenedAnnual report
「Subtotal ¥51,513 million ¥53,094 million」
The consolidated subtotal of risk-monitored loans increased from ¥51,513 million at the end of the previous consolidated fiscal year to ¥53,094 million. Claims on bankrupt or reorganized obligors and claims overdue three months or more increased. - FY2024WorsenedAnnual report
「At the end of the consolidated fiscal year, consolidated risk-monitored loans had increased by ¥1.3 billion from the end of the previous consolidated fiscal year to ¥51.5 billion, and their ratio to total loans had risen by 0.03 percentage points to 1.28%.」
Risk-monitored loans increased from ¥50,185 million to ¥51,513 million, and their ratio to total loans rose from 1.25% to 1.28%. Danger claims increased from ¥25,293 million to ¥29,245 million. - FY2024-Q3WorsenedAnnual report
「Claims on bankrupt or reorganized obligors and similar claims ¥19,141 million ¥16,618 million Danger claims ¥25,293 million ¥29,871 million Claims overdue three months or more ¥1,076 million ¥126 million Restructured loans ¥4,674 million ¥3,877 million Total ¥50,185 million ¥50,494 million」
Consolidated risk-monitored loans increased from ¥50,185 million at the end of the previous consolidated fiscal year to ¥50,494 million. Danger claims increased from ¥25,293 million to ¥29,871 million, while claims overdue three months or more and restructured loans declined. - FY2024-Q2WorsenedAnnual report
「Claims on bankrupt or reorganized obligors and similar claims — ¥19,141 million — ¥18,560 million Danger claims — ¥25,293 million — ¥28,777 million Claims requiring management — ¥5,750 million — ¥5,069 million Subtotal — ¥50,185 million — ¥52,407 million」
The consolidated subtotal of risk-monitored loans increased from ¥50,185 million at the end of the previous consolidated fiscal year to ¥52,407 million. Danger claims increased from ¥25,293 million to ¥28,777 million. - FY2024-Q1WorsenedAnnual report
「Claims on bankrupt or reorganized obligors and similar claims — ¥19,141 million — ¥19,266 million Danger claims — ¥25,293 million — ¥29,121 million Claims overdue three months or more — ¥1,076 million — ¥1,148 million Restructured loans — ¥4,674 million — ¥4,703 million Total — ¥50,185 million — ¥54,240 million」
Consolidated risk-monitored loans increased from ¥50,185 million at the end of the previous consolidated fiscal year to ¥54,240 million. Danger claims, claims overdue three months or more and restructured loans also increased. - FY2023-Q3WorsenedAnnual report
「Claims on bankrupt or reorganized obligors and similar claims — ¥18,072 million — ¥21,381 million Danger claims — ¥24,824 million — ¥24,970 million Claims overdue three months or more — ¥165 million — ¥1,183 million Restructured loans — ¥6,715 million — ¥5,308 million Total — ¥49,778 million — ¥52,843 million」
Consolidated risk-monitored loans increased from ¥49,778 million at the end of the previous fiscal year to ¥52,843 million. Claims on bankrupt or reorganized obligors, danger claims and claims overdue three months or more increased. - FY2023-Q2WorsenedAnnual report
「Claims on bankrupt or reorganized obligors and similar claims — ¥18,072 million — ¥21,139 million Danger claims — ¥24,824 million — ¥24,658 million Claims requiring management — ¥6,881 million — ¥6,182 million Subtotal — ¥49,778 million — ¥51,980 million」
Consolidated risk-monitored loans increased from ¥49,778 million at the end of the previous fiscal year to ¥51,980 million. Claims on bankrupt or reorganized obligors increased, and the asset quality assessment also showed increases in claims on bankrupt or reorganized obligors and claims requiring management from the same period of the previous year. - FY2023-Q1WorsenedAnnual report
「Claims on bankrupt or reorganized obligors and similar claims — ¥18,072 million — ¥18,626 million Danger claims — ¥24,824 million — ¥25,102 million Claims overdue three months or more — ¥165 million — ¥132 million Restructured loans — ¥6,715 million — ¥6,440 million Total — ¥49,778 million — ¥50,302 million」
Total risk-monitored loans increased from ¥49,778 million at the end of the previous fiscal year to ¥50,302 million. Claims on bankrupt or reorganized obligors and danger claims increased. - FY2022-Q3WorsenedAnnual report
「Total ¥44,885 million ¥50,706 million」
Total risk-monitored loans increased from ¥44,885 million at the end of the previous fiscal year to ¥50,706 million. - FY2022-Q2WorsenedAnnual report
「Total ¥44,885 million ¥49,744 million」
Total risk-monitored loans increased from ¥44,885 million at the end of the previous fiscal year to ¥49,744 million. Claims on bankrupt obligors and restructured loans also increased, and standalone danger claims rose from ¥15.9 billion to ¥24.9 billion. - FY2022-Q1WorsenedAnnual report
「Total ¥44,885 million ¥46,569 million」
Total risk-monitored loans increased from ¥44,885 million at the end of the previous fiscal year to ¥46,569 million. Delinquent claims and restructured loans also increased. - FY2021WorsenedAnnual report
「At the end of the consolidated fiscal year, consolidated risk-monitored loans had increased by ¥11.1 billion from the end of the previous consolidated fiscal year to ¥44.8 billion, while their ratio to total loans had risen by 0.31 percentage points to 1.18%.」
Risk-monitored loans increased from ¥33,685 million to ¥44,885 million, and their ratio to total loans rose from 0.87% to 1.18%. Standalone danger claims also increased from ¥14.8 billion to ¥26.1 billion. - FY2021-Q3WorsenedAnnual report
「Claims on bankrupt obligors — ¥3,549 million Delinquent claims — ¥28,658 million Claims overdue three months or more — ¥485 million Restructured loans — ¥4,308 million Total — ¥37,001 million」
Total risk-monitored loans increased from ¥33,685 million at the end of the previous fiscal year to ¥37,001 million. Delinquent claims and claims overdue three months or more increased. - FY2021-Q2WorsenedAnnual report
「Total ¥33,685 million ¥36,331 million」
Total risk-monitored loans increased from ¥33,685 million at the end of the previous fiscal year to ¥36,331 million. Claims overdue three months or more increased from ¥402 million to ¥589 million and restructured loans from ¥4,600 million to ¥4,606 million. - FY2021-Q1WorsenedAnnual report
「Total ¥33,685 million ¥34,980 million」
Total risk-monitored loans increased from ¥33,685 million at the end of the previous fiscal year to ¥34,980 million. Claims on bankrupt obligors declined, while delinquent claims, claims overdue three months or more and restructured loans increased. - FY2020WorsenedAnnual report
「At the end of the consolidated fiscal year, consolidated risk-monitored loans had increased by ¥2.1 billion from the end of the previous consolidated fiscal year to ¥33.6 billion, while their ratio to total loans had declined by 0.01 percentage points to 0.87%.」
Risk-monitored loans increased from ¥31,572 million to ¥33,685 million. Their ratio to total loans declined from 0.88% to 0.87% as loans increased, although claims on bankrupt obligors and restructured loans increased. - FY2020-Q3WorsenedAnnual report
「Claims on bankrupt obligors — ¥2,328 million — ¥4,955 million Delinquent claims — ¥25,307 million — ¥26,440 million Claims overdue three months or more — ¥758 million — ¥757 million Restructured loans — ¥3,177 million — ¥1,864 million Total — ¥31,572 million — ¥34,018 million」
Total risk-monitored loans increased from ¥31,572 million at the end of the previous consolidated fiscal year to ¥34,018 million. Claims on bankrupt obligors and delinquent claims increased, while restructured loans declined. - FY2020-Q2WorsenedAnnual report
「Total ¥31,572 million ¥33,136 million」
Total risk-monitored loans increased from ¥31,572 million at the end of the previous consolidated fiscal year to ¥33,136 million. Claims on bankrupt obligors and delinquent claims increased, while claims overdue three months or more and restructured loans declined. - FY2020-Q1WorsenedAnnual report
「Claims on bankrupt obligors — ¥2,328 million — ¥3,144 million Delinquent claims — ¥25,307 million — ¥28,965 million Claims overdue three months or more — ¥758 million — ¥462 million Restructured loans — ¥3,177 million — ¥1,822 million Total — ¥31,572 million — ¥34,395 million」
Total risk-monitored loans increased from ¥31,572 million at the end of the previous fiscal year to ¥34,395 million. Claims on bankrupt obligors and delinquent claims increased, while claims overdue three months or more and restructured loans declined. - FY2019WorsenedAnnual report
「Claims on bankrupt obligors — ¥2,328 million Delinquent claims — ¥25,307 million Claims overdue three months or more — ¥758 million Restructured loans — ¥3,177 million Total — ¥31,572 million」
Total risk-monitored loans increased from ¥27,615 million at the end of the previous fiscal year to ¥31,572 million. In particular, restructured loans increased from ¥624 million to ¥3,177 million and claims overdue three months or more from ¥324 million to ¥758 million. - FY2019-Q3WorsenedAnnual report
「Claims on bankrupt obligors — ¥3,454 million — ¥2,593 million Delinquent claims — ¥23,212 million — ¥27,254 million Claims overdue three months or more — ¥324 million — ¥392 million Restructured loans — ¥624 million — ¥1,420 million Total — ¥27,615 million — ¥31,661 million」
Total risk-monitored loans increased from ¥27,615 million at the end of the previous consolidated fiscal year to ¥31,661 million. Delinquent claims, claims overdue three months or more and restructured loans all increased. - FY2019-Q2WorsenedAnnual report
「Claims on bankrupt obligors — ¥3,454 million — ¥2,714 million Delinquent claims — ¥23,212 million — ¥24,094 million Claims overdue three months or more — ¥324 million — ¥727 million Restructured loans — ¥624 million — ¥975 million Total — ¥27,615 million — ¥28,511 million」
Total risk-monitored loans increased from ¥27,615 million at the end of the previous consolidated fiscal year to ¥28,511 million. Claims overdue three months or more and restructured loans also increased, and the provision for loan losses was ¥3,750 million. - FY2019-Q1MitigatedAnnual report
「Claims on bankrupt obligors — ¥3,454 million — ¥2,740 million Delinquent claims — ¥23,212 million — ¥23,508 million Claims overdue three months or more — ¥324 million — ¥288 million Restructured loans — ¥624 million — ¥600 million Total — ¥27,615 million — ¥27,138 million」
Total risk-monitored loans decreased from ¥27,615 million at the end of the previous consolidated fiscal year to ¥27,138 million. - FY2018MitigatedAnnual report
「Claims on bankrupt or reorganized obligors and similar claims — 98 — 93 Danger claims — 184 — 165 Claims requiring management — 10 — 9 Normal claims — 32,498 — 33,036」
In the standalone asset quality assessment, claims on bankrupt or reorganized obligors, danger claims and claims requiring management all declined from the end of the previous fiscal year, while normal claims increased. - FY2018-Q3WorsenedAnnual report
「Claims on bankrupt obligors — ¥1,860 million — ¥3,946 million Delinquent claims — ¥27,202 million — ¥25,173 million Claims overdue three months or more — ¥468 million — ¥447 million Restructured loans — ¥603 million — ¥572 million Total — ¥30,134 million — ¥30,139 million」
Total risk-monitored loans increased slightly from ¥30,134 million to ¥30,139 million. Delinquent claims, claims overdue three months or more and restructured loans declined, while claims on bankrupt obligors increased from ¥1,860 million to ¥3,946 million, accompanied by higher credit-related expenses. - FY2018-Q2Total decreased, but claims overdue three months or more increasedAnnual report
「Claims on bankrupt obligors — ¥1,860 million — ¥2,353 million Delinquent claims — ¥27,202 million — ¥25,666 million Claims overdue three months or more — ¥468 million — ¥661 million Restructured loans — ¥603 million — ¥560 million Total — ¥30,134 million — ¥29,241 million」
Total risk-monitored loans decreased from ¥30,134 million to ¥29,241 million, while claims on bankrupt obligors and claims overdue three months or more increased and restructured loans declined. - FY2018-Q1Total decreased, but some categories increasedAnnual report
「Claims on bankrupt obligors — ¥1,860 million — ¥2,632 million Delinquent claims — ¥27,202 million — ¥25,809 million Claims overdue three months or more — ¥468 million — ¥526 million Restructured loans — ¥603 million — ¥590 million Total — ¥30,134 million — ¥29,558 million」
Total risk-monitored loans decreased from ¥30,134 million at the end of the previous fiscal year to ¥29,558 million, while claims on bankrupt obligors and claims overdue three months or more increased. - FY2017MitigatedAnnual report
「As a result of actively providing management support, risk-monitored loans under the Banking Act decreased by ¥3.5 billion from the end of the previous consolidated fiscal year to ¥30.1 billion, and their ratio to the loan balance declined by 0.21 percentage points to 0.93%.」
The loan balance increased, while risk-monitored loans and their ratio to total loans declined. Claims overdue three months or more and restructured loans nevertheless increased. - FY2017-Q3Total balance decreased, but some categories increasedAnnual report
「Claims on bankrupt obligors — ¥1,345 million Delinquent claims — ¥27,517 million Claims overdue three months or more — ¥459 million Restructured loans — ¥659 million Total — ¥29,982 million」
Total risk-monitored loans decreased from ¥33,648 million at the end of the previous consolidated fiscal year to ¥29,982 million, while claims overdue three months or more and restructured loans increased, resulting in different movements by category. - FY2017-Q2First statedAnnual report
「Asset assessment amounts — classification of receivables — 30 September 2015 — 30 September 2016 — amount (¥100 million) — amount (¥100 million) Claims on bankrupt or reorganized obligors and similar claims — 132 — 96 Danger claims — 222 — 190 Claims requiring management — 14 — 10 Normal claims — 27,292 — 31,836」
The asset quality assessment disclosed ¥9.6 billion of claims on bankrupt or reorganized obligors, ¥19.0 billion of danger claims, ¥1.0 billion of claims requiring management and ¥3,183.6 billion of normal claims.