Management of Undrawn Loan Balances and Commitment Lines
First written in FY2017-Q2. 8 of 20 entries say "Worsened", first in FY2020-Q2. Latest entry: FY2026.
The Shimizu 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 2017: 4 of 11 companies on the "Worse" side.
8 other companies' latest entry also says "Worsened".
- FY2026WorsenedAnnual report
「Undrawn loan commitments ¥271,435 million ¥300,890 million Of which, agreements with an original term of one year or less ¥269,283 million ¥298,519 million Of which, undrawn general account commitments ¥89,042 million ¥91,163 million」
Undrawn loan commitments increased by ¥29,455 million from ¥271,435 million at the end of the previous fiscal year to ¥300,890 million. Management measures, including monitoring customers' business performance, reviewing contracts and obtaining collateral, continue to be described. - 2026-05-28MitigatedGeneral Meetings of Shareholders
「The undrawn balance under these loan commitments was ¥300,890 million.」
The undrawn loan balance was reported at ¥300,890 million, down from ¥303,742 million in the most recent canonical record. The canonical thread itself remains unchanged. - FY2026-H1WorsenedAnnual report
「Undrawn loan commitments ¥271,435 million ¥303,742 million Of which, agreements with an original term of one year or less ¥269,283 million ¥302,202 million (or commitments that may be unconditionally cancelled at any time)」
Undrawn loan commitments increased by ¥32,307 million from ¥271,435 million at the end of the previous fiscal year to ¥303,742 million. Management measures, including monitoring customers' business performance, reviewing contracts and obtaining collateral, continue to be described. - FY2025MitigatedAnnual report
「Undrawn loan commitments ¥274,048 million ¥271,435 million Of which, agreements with an original term of one year or less ¥272,107 million ¥269,283 million Of which, undrawn general account commitments ¥89,724 million ¥89,042 million」
Undrawn loan commitments decreased from ¥274,048 million at the end of the previous fiscal year to ¥271,435 million. Management measures, including monitoring customers' business performance after contracts are concluded, reviewing contracts and obtaining collateral, continue to be maintained. - FY2025-H1Undrawn loan commitments increasedAnnual report
「Undrawn loan commitments ¥274,048 million ¥275,604 million」
Undrawn loan commitments increased by ¥1,556 million from ¥274,048 million at the end of the previous consolidated fiscal year to ¥275,604 million. Management measures, including monitoring customers' business performance after contracts are concluded, reviewing contracts and obtaining collateral, continue to be described. - FY2024-Q2Undrawn loan commitments increased slightlyAnnual report
「Undrawn loan commitments ¥298,923 million ¥299,931 million Of which, agreements with an original term of one year or less ¥297,698 million ¥298,288 million (or commitments that may be unconditionally cancelled at any time) Of which, undrawn general account commitments ¥94,100 million ¥91,687 million」
Undrawn loan commitments increased by ¥1,008 million from ¥298,923 million at the end of the previous consolidated fiscal year to ¥299,931 million. Management measures, including monitoring customers' business performance, reviewing contracts and obtaining collateral, continue to be described. - FY2023MitigatedAnnual report
「Undrawn loan commitments ¥315,636 million ¥298,923 million Of which, agreements with an original term of one year or less ¥313,122 million ¥297,698 million Of which, undrawn general account commitments ¥100,092 million ¥94,100 million」
Undrawn loan commitments decreased from ¥315,636 million at the end of the previous fiscal year to ¥298,923 million. Management measures, including monitoring customers' business performance after contracts are concluded, reviewing contracts and obtaining collateral, continue to be maintained. - FY2023-Q2MitigatedAnnual report
「Undrawn loan commitments ¥315,636 million ¥306,784 million Of which, agreements with an original term of one year or less ¥313,122 million ¥305,242 million (or commitments that may be unconditionally cancelled at any time) Of which, undrawn general account commitments ¥100,092 million ¥97,952 million」
Undrawn loan commitments decreased from ¥315,636 million at the end of March 2022 to ¥306,784 million. Management measures, including monitoring customers' business performance after contracts are concluded, reviewing contracts and obtaining collateral, continue to be described. - FY2022WorsenedAnnual report
「Undrawn loan commitments ¥315,636 million Of which, agreements with an original term of one year or less (or commitments that may be unconditionally cancelled at any time) ¥313,122 million Of which, undrawn general account commitments ¥100,092 million」
Undrawn loan commitments increased from ¥310,015 million at the end of the previous fiscal year to ¥315,636 million. Management measures, including monitoring customers' business performance, reviewing contracts and obtaining collateral, continue to be maintained. - FY2022-Q2WorsenedAnnual report
「Undrawn loan commitments ¥310,015 million ¥311,797 million Of which, agreements with an original term of one year or less ¥307,184 million ¥309,027 million (or commitments that may be unconditionally cancelled at any time) Of which, undrawn general account commitments ¥103,869 million ¥102,496 million」
Undrawn loan commitments increased by ¥1,782 million from ¥310,015 million at the end of the previous fiscal year to ¥311,797 million. Management measures, including monitoring customers' business performance, reviewing contracts and obtaining collateral, continue to be described. - FY2021WorsenedAnnual report
「Undrawn loan commitments ¥295,413 million ¥310,015 million Of which, agreements with an original term of one year or less ¥292,623 million ¥307,184 million」
Undrawn loan commitments increased by ¥14,602 million from ¥295,413 million at the end of the previous fiscal year to ¥310,015 million. Management measures, including monitoring customers' business performance, reviewing contracts and obtaining collateral, continue to be maintained. - FY2021-Q2WorsenedAnnual report
「Undrawn loan commitments ¥295,413 million ¥304,699 million Of which, agreements with an original term of one year or less ¥292,623 million ¥302,604 million」
Undrawn loan commitments increased by ¥9,286 million from ¥295,413 million at the end of the previous fiscal year to ¥304,699 million. Management measures, including monitoring customers' business performance, reviewing contracts and obtaining collateral, continue to be described. - FY2020WorsenedAnnual report
「Undrawn loan commitments ¥247,754 million ¥295,413 million Of which, agreements with an original term of one year or less ¥246,390 million ¥292,623 million Of which, undrawn general account commitments ¥109,990 million ¥106,705 million」
Undrawn loan commitments increased by ¥47,659 million from ¥247,754 million at the end of the previous fiscal year to ¥295,413 million. Management measures, including monitoring customers' business performance after contracts are concluded, reviewing contracts and obtaining collateral, continue to be maintained. - FY2020-Q2WorsenedAnnual report
「Undrawn loan commitments ¥247,754 million ¥292,477 million Of which, agreements with an original term of one year or less ¥246,390 million ¥291,048 million Of which, undrawn general account commitments ¥109,990 million ¥108,589 million」
Undrawn loan commitments increased by ¥44,723 million from ¥247,754 million at the end of the previous fiscal year to ¥292,477 million. Management measures, including monitoring customers' business performance after contracts are concluded, reviewing contracts and obtaining collateral, continue to be described. - FY2019Significant decrease in undrawn loan commitmentsAnnual report
「Undrawn loan commitments ¥295,585 million ¥247,754 million Of which, agreements with an original term of one year or less ¥294,590 million ¥246,390 million Of which, undrawn general account commitments ¥111,771 million ¥109,990 million」
Undrawn loan commitments decreased by ¥47,831 million from ¥295,585 million at the end of the previous fiscal year to ¥247,754 million. Management measures, including monitoring customers' business performance, reviewing contracts and obtaining collateral, continue to be described. - FY2019-Q2Decrease in undrawn loan commitmentsAnnual report
「Undrawn loan commitments ¥295,585 million ¥288,713 million Of which, agreements with an original term of one year or less ¥294,590 million ¥287,316 million (or commitments that may be unconditionally cancelled at any time) Of which, undrawn general account commitments ¥111,771 million ¥111,417 million」
Undrawn loan commitments decreased by ¥6,872 million from ¥295,585 million at the end of the previous fiscal year to ¥288,713 million. Management measures, including monitoring customers' business performance, reviewing contracts and obtaining collateral, continue to be described. - FY2018Undrawn loan commitments increasedAnnual report
「Undrawn loan commitments ¥290,622 million ¥295,585 million」
Undrawn loan commitments increased from ¥290,622 million at the end of the previous fiscal year to ¥295,585 million. Management measures, including monitoring customers' business performance and reviewing contracts and obtaining collateral, continue to be described. - FY2018-Q2Undrawn loan commitments edged downAnnual report
「Undrawn loan commitments ¥290,622 million ¥290,220 million」
Undrawn loan commitments decreased by ¥402 million from ¥290,622 million at the end of the previous consolidated fiscal year to ¥290,220 million. Management measures, including monitoring customers' business performance after contracts are concluded, reviewing contracts and obtaining collateral, continue to be described. - FY2017Undrawn loan commitments increasedAnnual report
「Undrawn loan commitments ¥290,622 million Of which, agreements with an original term of one year or less (or commitments that may be unconditionally cancelled at any time) ¥289,271 million Of which, undrawn general account commitments ¥114,292 million」
Undrawn loan commitments increased from ¥277,368 million in the second quarter to ¥290,622 million. Management measures, including monitoring customers' business performance after contracts are concluded, reviewing contracts and obtaining collateral, continue to be described. - FY2017-Q2First statedAnnual report
「Overdraft agreements and commitment line agreements for loans are contracts under which the bank undertakes to lend funds up to a specified limit when a customer requests a drawdown, provided that there is no breach of the conditions stipulated in the agreement. The undrawn loan commitments under these agreements were as follows. Undrawn loan commitments ¥277,368 million Of which, agreements with an original term of one year or less ¥276,249 million (or commitments that may be unconditionally cancelled at any time) Of which, undrawn general account commitments ¥115,665 million」
The disclosure covers the credit exposure represented by undrawn loan commitments. It also explains that most commitments expire without being drawn, that lending may be refused or the commitment limit reduced depending on financial conditions and the customer's business performance, and that collateral is obtained and the customer's circumstances monitored after contracts are concluded.