Management of Credit Exposure from Undrawn Loan Commitments
First written in FY2017-Q2. 14 of 29 entries say "Mitigated", first in FY2018-Q2. Latest entry: FY2026.
The whole theme swung hardest in 2017: 4 of 10 companies on the "Worse" side.
9 other companies' latest entry also says "Mitigated".
- FY2026MitigatedAnnual report
「The undrawn balances relating to these contracts are as follows.」
The undrawn loan balance decreased from ¥1,343,421 million at the end of the previous fiscal year to ¥1,333,137 million. Management measures, including provisions allowing the refusal of loans or reduction of credit limits, requiring collateral and monitoring customers’ business conditions, remain in place. - FY2026-H1WorsenedAnnual report
「Undrawn loan balance ¥1,343,421 million ¥1,351,976 million」
The undrawn loan balance increased from ¥1,343,421 million at the end of March 2025 to ¥1,351,976 million at the end of September 2025. Meanwhile, management measures, including provisions allowing the refusal of loans or reduction of credit limits, requiring collateral and monitoring customers’ business conditions, remain in place. - FY2025MitigatedAnnual report
「Undrawn loan balance ¥1,376,759 million ¥1,343,421 million」
The undrawn loan balance decreased from ¥1,376,759 million at the end of the previous fiscal year to ¥1,343,421 million. Management measures, including contractual provisions allowing the refusal of loans or reduction of credit limits, requiring collateral and monitoring customers’ business conditions, remain in place. - FY2025-H1MitigatedAnnual report
「Undrawn loan balance ¥1,376,759 million ¥1,365,953 million」
The undrawn loan balance decreased from ¥1,376,759 million at the end of March 2024 to ¥1,365,953 million at the end of September 2024. Management measures, including contractual provisions allowing the refusal of loans or reduction of credit limits, requiring collateral and monitoring customers’ business conditions, also remain in place. - FY2024-Q3RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The disclosure states that there have been no material changes in credit exposure or management measures relating to undrawn loan commitments. - FY2024-Q2MitigatedAnnual report
「Undrawn loan balance ¥1,445,257 million ¥1,415,092 million」
The undrawn loan balance decreased from ¥1,445,257 million at the end of March 2023 to ¥1,415,092 million at the end of September 2023. Management measures, including provisions allowing the refusal of loans or reduction of credit limits, requiring collateral and monitoring customers’ business conditions, also remain in place. - FY2024-Q1RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The disclosure states that there have been no material changes in credit exposure or management measures relating to undrawn loan commitments. - FY2023MitigatedAnnual report
「Undrawn loan balance ¥1,485,061 million ¥1,445,257 million」
The undrawn loan balance decreased from ¥1,485,061 million at the end of the previous fiscal year to ¥1,445,257 million. Management measures, including provisions allowing the refusal of loans or reduction of credit limits, requiring collateral and monitoring customers’ business conditions, also remain in place. - FY2023-Q3RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The disclosure restates that there have been no material changes in credit exposure or management measures relating to undrawn loan commitments. - FY2023-Q2MitigatedAnnual report
「Undrawn loan balance ¥1,485,061 million ¥1,471,081 million」
The undrawn loan balance decreased from ¥1,485,061 million at the end of March 2022 to ¥1,471,081 million. Management measures, including provisions allowing the refusal of loans or reduction of credit limits, requiring collateral and monitoring customers’ business conditions, also remain in place. - FY2022MitigatedAnnual report
「Undrawn loan balance ¥1,504,619 million ¥1,485,061 million」
The undrawn loan balance decreased from ¥1,504,619 million at the end of the previous fiscal year to ¥1,485,061 million. Management measures, including contractual provisions allowing the refusal of loans or reduction of credit limits, requiring collateral and monitoring customers’ business conditions, remain in place. - FY2022-Q2MitigatedAnnual report
「Undrawn loan commitments ¥1,504,619 million ¥1,486,785 million」
Undrawn loan commitments decreased from ¥1,504,619 million at 31 March 2021 to ¥1,486,785 million at 30 September 2021. Management measures such as provisions for rejecting loans or reducing commitment limits, obtaining collateral and monitoring customers’ business conditions continue to be disclosed. - FY2022-Q1RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The disclosure states that there have been no material changes in credit exposure or management measures relating to undrawn loan commitments. - FY2021WorsenedAnnual report
「The undrawn balances relating to these contracts are as follows.」
Undrawn loan commitments increased from ¥1,496,322 million at the end of the previous fiscal year to ¥1,504,619 million. Management measures such as provisions for rejecting loans or reducing commitment limits, obtaining collateral and monitoring customers’ business conditions continue to be disclosed. - FY2021-Q3RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The disclosure restates that there have been no material changes in credit exposure or management measures relating to undrawn loan commitments. - FY2021-Q2MitigatedAnnual report
「Undrawn loan commitments ¥1,496,322 million ¥1,491,077 million」
Undrawn loan commitments decreased from ¥1,496,322 million at 31 March 2020 to ¥1,491,077 million at 30 September 2020. Management measures such as provisions for rejecting loans or reducing commitment limits, obtaining collateral and monitoring customers’ business conditions are also disclosed. - FY2021-Q1RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The disclosure states that there have been no material changes in credit exposure or management measures relating to undrawn loan commitments. - FY2020-Q2MitigatedAnnual report
「Undrawn loan commitments ¥1,538,340 million ¥1,521,974 million」
Undrawn loan commitments decreased from ¥1,538,340 million at 31 March 2019 to ¥1,521,974 million. Management measures such as provisions for rejecting loans or reducing commitment limits, obtaining collateral and monitoring customers’ business conditions continue to be disclosed. - FY2020-Q1RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The disclosure states that there have been no material changes in credit exposure or management measures relating to undrawn loan commitments. - FY2019MitigatedAnnual report
「Undrawn loan commitments ¥1,647,006 million ¥1,538,340 million」
Undrawn loan commitments decreased from ¥1,647,006 million at the end of the previous fiscal year to ¥1,538,340 million. Management measures such as provisions for rejecting loans or reducing commitment limits, obtaining collateral and monitoring customers’ business conditions continue to be disclosed. - FY2019-Q3RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The disclosure restates that there have been no material changes in credit exposure or management measures relating to undrawn loan commitments. - FY2019-Q2MitigatedAnnual report
「Undrawn loan commitments ¥1,647,006 million ¥1,568,037 million」
Undrawn loan commitments decreased from ¥1,647,006 million at 31 March 2018 to ¥1,568,037 million. Management measures such as provisions for rejecting loans or reducing commitment limits, obtaining collateral and monitoring customers’ business conditions continue to be disclosed. - FY2019-Q1RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The disclosure states that there have been no material changes in the risks relating to credit exposure and contractual management concerning undrawn loan commitments. - FY2018MitigatedAnnual report
「The undrawn balances relating to these contracts are as follows.」
Undrawn loan commitments decreased from ¥1,655,930 million at the end of the previous fiscal year to ¥1,647,006 million. Management measures such as provisions for rejecting loans or reducing commitment limits, obtaining collateral, monitoring customers’ business conditions and reviewing contracts continue to be disclosed. - FY2018-Q2MitigatedAnnual report
「Undrawn loan commitments ¥1,655,930 million ¥1,645,891 million」
Undrawn loan commitments decreased from ¥1,655,930 million at the end of the previous fiscal year to ¥1,645,891 million. Management measures such as provisions for rejecting loans or reducing commitment limits, obtaining collateral and monitoring customers’ business conditions continue to be disclosed. - FY2018-Q1RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The disclosure states that there have been no material changes in the risks relating to credit exposure and contractual management concerning undrawn loan commitments. - FY2017WorsenedAnnual report
「The undrawn balances relating to these contracts are as follows.」
Undrawn loan commitments increased from ¥1,578,396 million in the previous fiscal year to ¥1,655,930 million. The disclosure also describes management measures such as provisions for rejecting loans or reducing commitment limits, obtaining collateral and monitoring customers’ business conditions. - FY2017-Q3RestatedAnnual report
「There have been no material changes to the matters described under “Business and Other Risks” in the annual securities report for the previous fiscal year.」
The disclosure states that there have been no material changes in the risks relating to credit exposure and contractual management concerning undrawn loan commitments. - FY2017-Q2First statedAnnual report
「Many of these contracts expire without the loans being drawn, so the undrawn balances themselves do not necessarily affect the future cash flows of the Company or its consolidated subsidiaries. Many of these contracts contain provisions allowing the Company and its consolidated subsidiaries to reject a loan application or reduce the contractual commitment limit when there are changes in financial conditions, a need to preserve the underlying receivables or other relevant circumstances.」
Undrawn loan commitments stood at ¥1,625,652 million, up from ¥1,578,396 million in the previous consolidated fiscal year. The disclosure describes contractual provisions for rejecting loans or reducing commitment limits, obtaining collateral, monitoring customers’ business conditions after contract execution, and reviewing contracts and taking credit-protection measures when necessary.