Increase in Non-Performing Loans and Credit-Related Costs
First written in FY2016. 20 of 35 entries say "Mitigated", first in FY2017. Latest entry: 2026-08-07.
The whole theme swung hardest in 2020: 24 of 45 companies on the "Worse" side.
21 other companies' latest entry also says "Mitigated".
- 2026-08-07MitigatedEarnings
「Subtotal (A) 552 561 585」
The subtotal of disclosed claims declined from ¥56.1 billion at the end of March 2026 to ¥55.2 billion at the end of June 2026. - FY2026MitigatedAnnual report
「Under the Financial Rehabilitation Act, disclosed claims at the end of the previous consolidated fiscal year increased by ¥177 million for bankruptcy and rehabilitation claims and similar claims, decreased by ¥1,497 million for doubtful claims, and decreased by ¥993 million for substandard claims.」
Total disclosed claims decreased from ¥5,997.9 million to ¥5,766.6 million, and doubtful claims and substandard claims also decreased. - 2026-05-15MitigatedEarnings
「Total disclosed claims declined from ¥59,979 million at the end of March 2025 to ¥57,666 million, and the non-performing loan ratio fell from 1.29% to 1.21%.」
Consolidated total disclosed claims and the non-performing loan ratio both declined from the end of the previous fiscal year. - FY2026-H1WorsenedAnnual report
「Bankruptcy and rehabilitation claims and similar claims ¥10,099 million ¥10,123 million Doubtful claims ¥44,683 million ¥45,733 million Claims delinquent for 3 months or more ¥84 million ¥41 million Restructured loans ¥5,111 million ¥5,173 million Total ¥59,979 million ¥61,070 million」
Total disclosed claims increased from ¥59,979 million at the end of the previous fiscal year to ¥61,070 million. Doubtful claims and restructured loans also increased. - FY2025-H1MitigatedAnnual report
「Bankruptcy and rehabilitation claims and similar claims ¥11,710 million ¥10,558 million Doubtful claims ¥45,849 million ¥43,967 million Claims delinquent for 3 months or more ¥50 million ¥62 million Restructured loans ¥6,704 million ¥7,058 million Total ¥64,314 million ¥61,646 million」
Total disclosed claims decreased from ¥64,314 million at the end of the previous fiscal year to ¥61,646 million. Bankruptcy and rehabilitation claims and doubtful claims decreased, while claims delinquent for 3 months or more and restructured loans increased. - FY2024-Q3MitigatedAnnual report
「Bankruptcy and rehabilitation claims and similar claims ¥12,689 million ¥11,287 million Doubtful claims ¥47,111 million ¥44,868 million Claims delinquent for 3 months or more ¥275 million ¥28 million Restructured loans ¥6,591 million ¥7,211 million Total ¥66,668 million ¥63,395 million」
Total disclosed claims decreased from ¥66,668 million at the end of March 2023 to ¥63,395 million. Bankruptcy and rehabilitation claims, doubtful claims, and claims delinquent for 3 months or more also decreased, while restructured loans increased. - FY2024-Q2MitigatedAnnual report
「Bankruptcy and rehabilitation claims and similar claims ¥12,689 million ¥12,411 million Doubtful claims ¥47,111 million ¥45,858 million Claims delinquent for 3 months or more ¥275 million ¥24 million Restructured loans ¥6,591 million ¥6,917 million Total ¥66,668 million ¥65,212 million」
Total disclosed claims decreased from ¥66,668 million at the end of the previous fiscal year to ¥65,212 million. Bankruptcy and rehabilitation claims, doubtful claims, and claims delinquent for 3 months or more decreased, while restructured loans increased. - FY2024-Q1MitigatedAnnual report
「Bankruptcy and rehabilitation claims and similar claims ¥12,689 million ¥13,168 million Doubtful claims ¥47,111 million ¥46,122 million Claims delinquent for 3 months or more ¥275 million ¥252 million Restructured loans ¥6,591 million ¥6,592 million Total ¥66,668 million ¥66,135 million」
Total disclosed claims decreased from ¥66,668 million at the end of the previous fiscal year to ¥66,135 million. Doubtful claims and claims delinquent for 3 months or more also decreased. The provision for loan losses decreased from ¥661 million in the same period of the previous year to ¥149 million. The risks have been quantified and are actually occurring. - FY2023WorsenedAnnual report
「Under the Financial Rehabilitation Act, disclosed claims at the end of the previous consolidated fiscal year increased by ¥3,351 million for bankruptcy and rehabilitation claims and similar claims, increased by ¥1,689 million for doubtful claims, and decreased by ¥1,550 million for substandard claims.」
Total disclosed claims increased from ¥63,177 million to ¥66,668 million. Bankruptcy and rehabilitation claims and doubtful claims increased, and credit-related expenses also rose from ¥1,951 million in the previous year to ¥3,287 million. - FY2023-Q3WorsenedAnnual report
「Bankruptcy and rehabilitation claims and similar claims ¥9,337 million ¥12,350 million Doubtful claims ¥45,422 million ¥47,205 million Claims delinquent for 3 months or more ¥43 million ¥75 million Restructured loans ¥8,374 million ¥6,833 million Total ¥63,177 million ¥66,464 million」
Total disclosed claims increased from ¥63,177 million at the end of the previous fiscal year to ¥66,464 million. Bankruptcy and rehabilitation claims, doubtful claims, and claims delinquent for 3 months or more all increased, indicating that the risks have been quantified and are expanding. - FY2023-Q2WorsenedAnnual report
「Bankruptcy and rehabilitation claims and similar claims ¥9,337 million ¥9,762 million Doubtful claims ¥45,422 million ¥48,386 million Claims delinquent for 3 months or more ¥43 million ¥125 million Restructured loans ¥8,374 million ¥7,413 million Total ¥63,177 million ¥65,687 million」
Total disclosed claims increased from ¥63,177 million at the end of the previous fiscal year to ¥65,687 million. Doubtful claims and claims delinquent for 3 months or more also increased. The risks have been quantified and are expanding. - FY2023-Q1WorsenedAnnual report
「Bankruptcy and rehabilitation claims and similar claims ¥9,337 million ¥10,276 million Doubtful claims ¥45,422 million ¥45,099 million Claims delinquent for 3 months or more ¥43 million ¥146 million Restructured loans ¥8,374 million ¥8,132 million Total ¥63,177 million ¥63,655 million」
Total disclosed claims increased from ¥63,177 million at the end of the previous fiscal year to ¥63,655 million. Claims delinquent for 3 months or more also increased from ¥43 million to ¥146 million, and the provision for loan losses increased from ¥490 million in the same period of the previous year to ¥661 million. - FY2022WorsenedAnnual report
「Under the Financial Rehabilitation Act, disclosed claims at the end of the previous consolidated fiscal year decreased by ¥154 million for bankruptcy and rehabilitation claims and similar claims, increased by ¥4,616 million for doubtful claims, and decreased by ¥2,420 million for substandard claims.」
Doubtful claims increased from ¥40,805 million to ¥45,422 million, and total disclosed claims also increased from ¥61,135 million to ¥63,177 million. Meanwhile, credit-related expenses decreased to ¥1,951 million due to a decline in the amount of non-performing loan disposals. - FY2022-Q3WorsenedAnnual report
「Bankrupt and quasi-bankrupt claims ¥1,182 million ¥989 million Delinquent claims ¥46,575 million ¥50,408 million Claims delinquent for 3 months or more ¥2 million ¥45 million Restructured loans ¥10,835 million ¥8,597 million Total ¥58,596 million ¥60,041 million」
Total risk-monitored claims increased from ¥58,596 million at the end of the previous fiscal year to ¥60,041 million. Delinquent claims also increased from ¥46,575 million to ¥50,408 million, indicating that the risk has been quantified and has actually expanded. - FY2022-Q2WorsenedAnnual report
「Bankrupt and quasi-bankrupt claims ¥1,182 million ¥1,133 million Delinquent claims ¥46,575 million ¥49,084 million Claims delinquent for 3 months or more ¥2 million ¥162 million Restructured loans ¥10,835 million ¥8,860 million Total ¥58,596 million ¥59,240 million」
Total risk-monitored claims increased from ¥58,596 million at the end of the previous fiscal year to ¥59,240 million. Delinquent claims increased from ¥46,575 million to ¥49,084 million, while claims delinquent for 3 months or more increased from ¥2 million to ¥162 million. Restructured loans decreased. These risks have been quantified and are reflected in the actual increase in claims. - FY2022-Q1Slight decline in outstanding claims and increase in delinquent claimsAnnual report
「Bankrupt and quasi-bankrupt claims ¥1,182 million ¥979 million Delinquent claims ¥46,575 million ¥46,855 million Claims delinquent for 3 months or more ¥2 million ¥63 million Restructured loans ¥10,835 million ¥10,463 million Total ¥58,596 million ¥58,361 million」
Although total risk-monitored claims decreased from the end of the previous fiscal year, delinquent claims and claims delinquent for 3 months or more increased. A provision for loan losses of ¥490 million was also recorded. - FY2021-Q3Decline in loan balances and partial deteriorationAnnual report
「Bankrupt and quasi-bankrupt claims ¥1,727 million ¥1,222 million Delinquent claims ¥41,574 million ¥41,094 million Claims delinquent for 3 months or more ¥76 million ¥89 million Restructured loans ¥12,135 million ¥12,052 million Total ¥55,513 million ¥54,459 million」
Total risk-monitored claims decreased from ¥55,513 million at the end of the previous fiscal year to ¥54,459 million. Meanwhile, claims delinquent for 3 months or more increased, and a provision for loan losses of ¥159 million was recorded. - FY2021-Q2MitigatedAnnual report
「The total of claims against bankrupt borrowers, delinquent loans, loans overdue by 3 months or more and restructured loans amounted to ¥55,513 million and ¥54,613 million.」
Total risk-monitored loans declined from ¥5,551.3 million at the end of March 2020 to ¥5,461.3 million at the end of September 2020. However, loans overdue by 3 months or more increased from ¥76 million to ¥123 million, and provision expenses for loan losses of ¥240 million were also recorded. - FY2021-Q1MitigatedAnnual report
「Total ¥55,513 million ¥54,941 million」
Total risk-monitored loans declined from ¥5,551.3 million at the end of March 2020 to ¥5,494.1 million at the end of June 2020. - FY2020Decline in loan balances and increase in credit-related expensesAnnual report
「Risk-monitored loans amounted to ¥5,551.3 million, a decrease of ¥620.2 million year on year. …Credit-related expenses for the fiscal year amounted to ¥234 million, an increase of ¥217 million year on year, due to an increase in non-performing loan disposals.」
While the balance of risk-monitored loans declined, credit-related expenses increased from the previous fiscal year due to higher non-performing loan disposals, describing both improvement and deterioration. - FY2020-Q3MitigatedAnnual report
「Claims against bankrupt borrowers ¥3,537 million ¥3,145 million Delinquent loans ¥45,678 million ¥42,252 million Loans overdue by 3 months or more ¥21 million ¥30 million Restructured loans ¥12,477 million ¥12,350 million Total ¥61,716 million ¥57,778 million」
Total risk-monitored loans declined from ¥6,171.6 million at the end of March 2019 to ¥5,777.8 million at the end of December 2019. However, claims overdue by 3 months or more increased. - FY2020-Q2MitigatedAnnual report
「Total ¥61,716 million ¥59,070 million」
The total of claims against bankrupt borrowers, delinquent loans, loans overdue by 3 months or more and restructured loans declined from ¥6,171.6 million at the end of March 2019 to ¥5,907.0 million at the end of September 2019. - FY2020-Q1MitigatedAnnual report
「Total ¥61,716 million ¥60,577 million」
Total risk-monitored loans declined from ¥6,171.6 million at the end of March 2019 to ¥6,057.7 million at the end of June 2019. The gain on reversal of provisions for loan losses also increased from ¥476 million in the same period of the previous year to ¥763 million. - FY2019-Q3MitigatedAnnual report
「Total ¥70,354 million ¥61,848 million」
Total risk-monitored loans declined from ¥7,035.4 million at the end of March 2018 to ¥6,184.8 million at the end of December 2018. A gain on reversal of provisions for loan losses of ¥743 million was also recorded. - FY2019-Q2MitigatedAnnual report
「Total ¥70,354 million ¥63,707 million」
Total problem loans included in loans declined from ¥7,035.4 million at the end of March 2018 to ¥6,370.7 million at the end of September 2018. A gain on reversal of provisions for loan losses of ¥576 million was also recorded. - FY2019-Q1MitigatedAnnual report
「Total ¥70,354 million ¥68,780 million」
Total risk-monitored loans declined from ¥70,354 million at the end of the previous fiscal year to ¥68,780 million at the end of the first quarter of the current fiscal year. A gain on reversal of provisions for loan losses of ¥476 million was also recorded. - FY2018MitigatedAnnual report
「Risk-monitored loans amounted to ¥70,354 million, a decrease of ¥9,046 million year on year.」
Total risk-monitored loans declined from ¥79,400 million to ¥70,354 million, and non-performing loan disposals and credit-related expenses also decreased from the previous fiscal year. - FY2018-Q3MitigatedAnnual report
「Claims against bankrupt borrowers ¥3,247 million ¥4,396 million Delinquent loans ¥55,839 million ¥52,247 million Loans overdue by 3 months or more ¥451 million ¥65 million Restructured loans ¥19,862 million ¥18,057 million Total ¥79,400 million ¥74,766 million」
Total risk-monitored loans declined from ¥79,400 million at the end of the previous consolidated fiscal year to ¥74,766 million. Loans overdue by 3 months or more also declined from ¥451 million to ¥65 million. - FY2018-Q2MitigatedAnnual report
「Total ¥79,400 million ¥76,940 million」
Total risk-monitored loans declined from ¥79,400 million at the end of the previous fiscal year to ¥76,940 million at the end of the interim period. Loans overdue by 3 months or more also declined from ¥451 million to ¥65 million. - FY2018-Q1MitigatedAnnual report
「Total ¥79,400 million ¥78,355 million」
Total risk-monitored loans declined from ¥79,400 million at the end of the previous consolidated fiscal year to ¥78,355 million at the end of the first quarter of the current fiscal year. - FY2017MitigatedAnnual report
「Risk-monitored loans amounted to ¥79,400 million, a decrease of ¥7,244 million year on year.」
Total risk-monitored loans declined, and credit-related expenses also fell from ¥3,207 million to ¥1,701 million. However, loans overdue by 3 months or more increased from ¥10 million to ¥451 million. - FY2017-Q3Decline in balances and changes in compositionAnnual report
「Claims against bankrupt borrowers ¥5,279 million ¥6,076 million Delinquent loans ¥60,836 million ¥57,518 million Loans overdue by 3 months or more ¥10 million ¥115 million Restructured loans ¥20,518 million ¥19,648 million Total ¥86,644 million ¥83,358 million」
Total risk-monitored loans declined from ¥86,644 million to ¥83,358 million compared with the end of the previous consolidated fiscal year, while claims against bankrupt borrowers and loans overdue by 3 months or more increased. Provision expenses for loan losses also declined from ¥421 million in the same period of the previous year to ¥63 million. - FY2017-Q2RestatedAnnual report
「During the cumulative second quarter under review, there were no new business or other risks, nor any material changes to the business or other risks described in the securities report for the previous fiscal year.」
It is expressly stated that there are no material changes regarding the risk of increases in non-performing loans and credit-related expenses. - FY2017-Q1RestatedAnnual report
「During the cumulative first quarter under review, there were no new business or other risks, nor any material changes to the business or other risks described in the securities report for the previous fiscal year.」
It is expressly stated that there are no material changes regarding the risks associated with non-performing loans and credit-related expenses. - FY2016First statedAnnual report
「As the amount of non-performing loan disposal increased due to higher provisions for individual loan losses, it reached ¥3,605 million, an increase of ¥1,170 million year on year. Accordingly, credit-related expenses for the fiscal year amounted to ¥3,207 million, an increase of ¥1,318 million year on year.」
While the increase in non-performing loan disposals and credit-related expenses is described as an actual result, the risk section also indicates the possibility of a further increase due to deterioration among borrowers and other factors.