Concentration of credit exposure to specific borrowers or industries
First written in FY2017. 14 of 15 entries say "Restated". Latest entry: FY2025-H1.
The whole theme swung hardest in 2019: 6 of 14 companies on the "Worse" side.
4 other companies' latest entry also says "Restated".
- FY2025-H1RestatedAnnual report
「During the interim consolidated accounting period, there were no new business or other risks, nor any material changes to the business or other risks described in the annual securities report for the previous fiscal year.」
The company states that there are no material changes to the risk of credit concentration in specific borrowers and industries. - FY2024-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.」
The company states that there are no material changes to the risk of credit concentration in specific borrowers and industries. - FY2023-Q3RestatedAnnual report
「During the nine-month period of the third quarter, there were no new business or other risks, or significant changes to the business and other risks described in the annual securities report for the previous fiscal year.」
The company states that there are no material changes to the risk of credit concentration in specific borrowers and industries. - FY2023-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.」
The company states that there are no material changes to the risk of credit concentration in specific borrowers and industries. - FY2023-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.」
The company states that there are no material changes to the risk of credit concentration in specific borrowers and industries. - FY2022-Q3RestatedAnnual report
「During the nine-month period of the third quarter, there were no new business or other risks, or significant changes to the business and other risks described in the annual securities report for the previous fiscal year.」
The company states that there are no material changes to the risk of credit concentration in specific borrowers and industries. - FY2022-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.」
The company states that there are no material changes to the risk of credit concentration in specific borrowers and industries. - FY2022-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.」
The company states that there are no material changes to the risk of credit concentration in specific borrowers and industries. - FY2021-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.」
The company explicitly states that there are no material changes to the risk of credit concentration in specific borrowers and industries. - FY2020-Q3RestatedAnnual report
「During the nine-month period of the third quarter, there were no new business or other risks, or significant changes to the business and other risks described in the annual securities report for the previous fiscal year.」
The company explicitly states that there are no material changes to the risk of credit concentration in specific borrowers and industries. - FY2020-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.」
The company explicitly states that there are no material changes to the risk of credit concentration in specific borrowers and industries. - FY2019-Q3RestatedAnnual report
「During the nine-month period of the third quarter, there were no new business or other risks, or significant changes to the business and other risks described in the annual securities report for the previous fiscal year.」
The risk of credit concentration in specific borrowers and industries is treated as having no material changes. - FY2018RestatedAnnual report
「The bank seeks to diversify its risks so that credit exposure does not become concentrated in specific borrowers or industries. However, if the creditworthiness of a major borrower deteriorates or conditions in a specific industry worsen, credit-related expenses may increase and adversely affect its results of operations and financial position.」
The company reiterates the risk of credit concentration in specific borrowers and industries and its policy of risk diversification. - FY2018-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.」
The risk of credit concentration in specific borrowers and industries is treated as having no material changes. - FY2017First statedAnnual report
「The bank seeks to diversify its risks so that credit exposure does not become concentrated in specific borrowers or industries. However, if the creditworthiness of a major borrower deteriorates or conditions in a specific industry worsen, credit-related expenses may increase and adversely affect its results of operations and financial position.」
Separate from regional concentration risk, the company describes the credit risk arising from concentration in major borrowers or specific industries.