Increase in operating expenses and provision for loan losses
First written in FY2017-Q3. 18 of 35 entries say "Worsened", first in FY2019-Q3. Latest entry: 2026-11-10.
Fukuoka Financial Group moved to the "Worse" side of this theme in 2019.
2 other companies' latest entry also says "Worsened".
- FY2026WorsenedAnnual report
「Consolidated ordinary expenses increased by ¥148,440 million year on year to ¥500,557 million, mainly due to higher other operating expenses, including losses on sales of Japanese government bonds and other securities.」
Ordinary expenses increased significantly year on year, with higher other operating expenses, including losses on sales of Japanese government bonds and other securities, identified as a contributing factor. - 2026-05-13WorsenedRevision to earnings forecast
「Consolidated ordinary expenses increased by ¥148,440 million year on year to ¥500,557 million, mainly due to higher other operating expenses, including losses on sales of Japanese government bonds and other securities.」
その他業務費用や資金調達費用の増加等により、連結経常費用の増加が続いている。 - FY2026-H1WorsenedAnnual report
「Consolidated ordinary expenses increased by ¥26,714 million from the previous interim period to ¥195,968 million, mainly due to higher funding costs.」
Consolidated ordinary expenses increased from the year-earlier interim period, mainly due to higher funding costs. - FY2025WorsenedAnnual report
「Consolidated ordinary expenses increased by ¥4,311 million year on year to ¥352,117 million, mainly due to higher funding costs.」
Consolidated ordinary expenses increased year on year, mainly due to higher funding costs. - FY2025-H1WorsenedAnnual report
「Consolidated ordinary expenses increased by ¥19,242 million from the previous interim period to ¥169,254 million, mainly due to higher funding costs.」
Consolidated ordinary expenses increased from the year-earlier interim period, mainly due to higher funding costs. - FY2024WorsenedAnnual report
「Consolidated ordinary expenses increased by ¥66,533 million year on year to ¥347,806 million, mainly due to higher funding costs.」
Consolidated ordinary expenses increased significantly year on year, mainly due to higher funding costs. - FY2024-Q3WorsenedAnnual report
「Ordinary expenses increased by ¥35,465 million year on year to ¥236,462 million, mainly due to higher funding costs.」
Ordinary expenses increased significantly year on year, mainly due to higher funding costs. - FY2024-Q2WorsenedAnnual report
「Consolidated ordinary expenses increased by ¥40,217 million from the previous interim period to ¥150,012 million, mainly due to higher funding costs.」
Consolidated ordinary expenses increased significantly from the year-earlier interim period, mainly due to higher funding costs. - FY2024-Q1WorsenedAnnual report
「Ordinary expenses increased by ¥19,445 million year on year to ¥70,263 million, mainly due to higher funding costs.」
Ordinary expenses increased year on year, mainly due to higher funding costs. - FY2023WorsenedAnnual report
「Consolidated ordinary expenses increased by ¥76,932 million year on year to ¥281,273 million, mainly due to higher other operating expenses, including losses on sales of Japanese government bonds and other securities.」
Ordinary expenses increased significantly due to higher other operating expenses, including losses on sales of Japanese government bonds and other securities. - FY2023-Q3WorsenedAnnual report
「Ordinary expenses increased ¥52.502 billion year on year to ¥200.997 billion, mainly due to increases in other operating expenses, including losses on sales of government bonds and other securities.」
Ordinary expenses increased by ¥52,502 million year on year, primarily due to higher other operating expenses, including losses on sales of Japanese government bonds and other securities. - FY2023-Q2Increase in ordinary expenses due to higher funding costsAnnual report
「Consolidated ordinary expenses increased ¥10.595 billion from the previous interim period to ¥109.795 billion, mainly due to an increase in funding costs.」
Total ordinary expenses increased from the previous interim period, with higher funding costs cited as the primary factor. - FY2023-Q1Increase in funding costs and decrease in operating expenses occurred concurrentlyAnnual report
「Ordinary expenses increased ¥3.609 billion year on year to ¥50.818 billion, mainly due to an increase in funding costs.」
While total ordinary expenses increased year on year due mainly to higher funding costs, operating expenses decreased from ¥35.437 billion in the same period of the previous year to ¥35.345 billion, and ¥1.047 billion in provision for loan losses was recorded. - FY2022MitigatedAnnual report
「Consolidated ordinary expenses decreased ¥9.986 billion year on year to ¥204.341 billion, mainly due to a decrease in operating expenses.」
The impact of integration-related expenses and other costs that had increased in the previous fiscal year fell away, and consolidated ordinary expenses declined year on year due mainly to lower operating expenses. - FY2022-Q3Decrease in operating expenses and increase in provision for loan losses occurred concurrentlyAnnual report
「Ordinary expenses decreased ¥11.882 billion year on year to ¥148.495 billion, mainly due to a decrease in operating expenses.」
While total ordinary expenses declined year on year due mainly to lower operating expenses, ¥2.752 billion in provision for loan losses was recorded, indicating divergent trends among expense items. - FY2022-Q2MitigatedAnnual report
「Consolidated ordinary expenses decreased ¥3.914 billion from the previous interim period to ¥99.2 billion, mainly due to a decrease in operating expenses.」
Consolidated ordinary expenses declined from the previous interim period due mainly to lower operating expenses. - FY2022-Q1MitigatedAnnual report
「Ordinary expenses decreased ¥5.511 billion year on year to ¥47.209 billion, mainly due to a decrease in other ordinary expenses.」
Ordinary expenses declined year on year; within other ordinary expenses, a ¥2.010 billion provision for loan losses was recorded in the same period of the previous year, compared with a ¥1.160 billion gain from the reversal of provision for loan losses in the current quarter. - FY2021Decrease in provision for loan losses and increase in operating expenses occurred concurrentlyAnnual report
「Consolidated ordinary expenses decreased ¥74.109 billion year on year to ¥214.327 billion, mainly due to a decrease in provision for loan losses associated with changes to the estimates for the provision recorded in the previous consolidated fiscal year, including the introduction of forward-looking provisioning.」
While total ordinary expenses declined significantly, mainly due to the decrease in provision for loan losses, operating expenses increased from ¥147.602 billion in the previous fiscal year to ¥150.284 billion in the current fiscal year. - FY2021-Q3Increase in operating expenses and reversal of provision for loan losses occurred concurrentlyAnnual report
「Ordinary expenses decreased ¥4.72 billion year on year to ¥160.377 billion, mainly due to a decrease in funding costs.」
While total ordinary expenses declined, operating expenses increased from ¥110.651 billion in the same period of the previous year to ¥113.795 billion, and the provision for loan losses resulted in a ¥4.447 billion reversal gain rather than an expense. - FY2021-Q2Reversal of provision for loan losses and increase in operating expenses occurred concurrentlyAnnual report
「Ordinary expenses decreased ¥5.559 billion from the previous interim period to ¥103.114 billion, mainly due to a decrease in funding costs.」
While total ordinary expenses declined, operating expenses increased from ¥76.264 billion in the previous interim period to ¥78.398 billion, and a ¥6.784 billion gain from the reversal of provision for loan losses was recorded. - FY2021-Q1WorsenedAnnual report
「Ordinary expenses increased ¥0.725 billion year on year to ¥52.72 billion, mainly due to an increase in other ordinary expenses.」
Ordinary expenses increased year on year due mainly to an increase in other ordinary expenses. - FY2020WorsenedAnnual report
「Credit costs totaled ¥61.374 billion, reflecting the introduction of forward-looking provisioning and precautionary provisioning related to COVID-19.」
The disclosure states that significant credit costs were recorded due to forward-looking provisioning and precautionary provisioning in response to COVID-19. - FY2020-Q3WorsenedAnnual report
「Provision for loan losses ¥5,481 million Business integration-related expenses ¥2,234 million」
Provision for loan losses increased from ¥3,513 million in the same period of the previous year to ¥5,481 million, and ¥2,234 million in business integration-related expenses was also recorded. - FY2020-Q1WorsenedAnnual report
「Ordinary income was ¥68.477 billion, ordinary expenses were ¥51.995 billion, and ordinary profit was ¥16.481 billion.」
Although a simple comparison is omitted due to the consolidation of The Eighteenth Bank, ordinary expenses were ¥51.995 billion, up from ¥40.247 billion on a non-consolidated basis in the same period of the previous year. - FY2019-Q3WorsenedAnnual report
「Ordinary expenses increased ¥2.047 billion year on year to ¥125.409 billion, mainly due to an increase in other ordinary expenses.」
After ordinary expenses declined in the previous interim period, they increased year on year in the cumulative first-three-quarter period, mainly due to an increase in other ordinary expenses. - FY2019-Q2MitigatedAnnual report
「Ordinary expenses decreased ¥0.263 billion from the previous interim period to ¥81.75 billion, mainly due to a decrease in operating expenses.」
Ordinary expenses declined from the previous interim period due mainly to lower operating expenses. - FY2019-Q1MitigatedAnnual report
「Ordinary expenses decreased ¥0.833 billion year on year to ¥40.247 billion, mainly due to a decrease in operating expenses.」
The explanation has shifted from higher expenses and goodwill amortization through the previous comparable period to lower ordinary expenses in the current quarter due mainly to lower operating expenses. - FY2018RestatedAnnual report
「Consolidated ordinary expenses decreased ¥104.272 billion year on year to ¥165.936 billion, mainly because the one-time goodwill amortization factor fell away, following the lump-sum amortization in the previous fiscal year of ¥94.8 billion in previously unamortized goodwill.」
The annual results confirm the explanation that consolidated ordinary expenses declined significantly as the one-time goodwill amortization factor fell away. - FY2018-Q3RestatedAnnual report
「Ordinary expenses decreased ¥9.644 billion year on year to ¥123.362 billion, mainly due to a decrease in operating expenses following the elimination of goodwill amortization.」
The company continues to explain that ordinary expenses declined year on year due mainly to lower operating expenses following the end of goodwill amortization. - FY2018-Q2ReframedAnnual report
「Consolidated ordinary expenses decreased ¥1.572 billion from the previous interim period to ¥82.013 billion, mainly due to a decrease in operating expenses following the elimination of goodwill amortization, despite an increase in funding costs.」
The explanation has changed from an increase in expenses driven mainly by one-time goodwill amortization to a decrease in expenses, including lower operating expenses following the end of goodwill amortization. - FY2018-Q1ReframedAnnual report
「Ordinary expenses increased ¥0.2 billion year on year to ¥41.08 billion, despite the elimination of goodwill amortization, due mainly to increases in funding costs and other ordinary expenses.」
Compared with the annual increase in expenses driven mainly by one-time goodwill amortization, the first quarter shows the elimination of goodwill amortization and increases in funding costs and other ordinary expenses. - FY2017One-time goodwill amortization explicitly identified as the primary factorAnnual report
「Consolidated ordinary expenses increased ¥104.928 billion year on year to ¥270.208 billion, mainly due to one-time goodwill amortization.」
In addition to increases in operating expenses and provision for loan losses, one-time goodwill amortization is explicitly identified as the primary factor behind the annual increase in ordinary expenses. - FY2017-Q3First statedAnnual report
「Ordinary expenses increased ¥12.749 billion year on year to ¥133.006 billion, mainly due to increases in operating expenses and provision for loan losses.」
The increase in operating expenses and provision for loan losses is cited as a factor behind the increase in ordinary expenses.