Materialization of Credit Risk Due to Deterioration in the Financial Condition of Credit Counterparties
First written in FY2018. 8 of 17 entries say "Worsened", first in FY2021-Q2. Latest entry: 2026-07-28.
The Nanto Bank moved to the "Worse" side of this theme in 2020, 2 years before the typical company in this theme (2022).
The whole theme swung hardest in 2019: 6 of 18 companies on the "Worse" side.
11 other companies' latest entry also says "Mitigated".
- FY2026MaterialisedAnnual report
「The company's loans receivable amounted to ¥1,407 million. The unsecured and unguaranteed shortfall of ¥1,013 million will be fully provided for in the first quarter of the fiscal year ending March 2027.」
The company disclosed plans to fully provide for the unsecured and unguaranteed shortfall of ¥1,013 million out of ¥1,407 million in loans receivable in the first quarter of the following fiscal year, following preparations by the counterparty to file for bankruptcy. - FY2026-H1Slight decline in total risk-monitored claims alongside an increase in claims requiring special attentionAnnual report
「Bankruptcy and reorganization claims and similar claims 4,397 3,920 Doubtful claims 50,394 50,337 Claims requiring special attention 7,020 7,229 Of which: claims past due for 3 months or more 438 485 Of which: restructured loans 6,581 6,744 Subtotal 61,812 61,486」
Total risk-monitored claims declined, while claims requiring special attention, claims past due for 3 months or more, and restructured loans increased, with trends varying by claim category. - FY2025-H1WorsenedAnnual report
「Doubtful claims 46,266 48,928 Claims requiring special attention 7,706 8,461 Subtotal 58,026 61,263」
Doubtful claims increased from ¥46,266 million at the end of the previous fiscal year to ¥48,928 million, while claims requiring special attention increased from ¥7,706 million to ¥8,461 million. Total risk-monitored claims also increased. - FY2024-Q3Continued decline in total risk-monitored claims alongside increases in some claim categoriesAnnual report
「Bankruptcy and reorganization claims and similar claims ¥3,665 million ¥4,469 million Doubtful claims ¥46,239 million ¥44,031 million Claims past due for 3 months or more ¥131 million ¥152 million Restructured loans ¥8,997 million ¥8,850 million Total ¥59,034 million ¥57,504 million」
Total risk-monitored claims declined, while bankruptcy and reorganization claims and claims past due for 3 months or more increased. Doubtful claims and restructured loans declined, with trends varying by claim category. - FY2024-Q2Continued decline in total risk-monitored claims alongside increases in some claim categoriesAnnual report
「Bankruptcy and reorganization claims and similar claims 3,665 4,337 Doubtful claims 46,239 43,004 Claims requiring special attention 9,129 9,108 Of which: claims past due for 3 months or more 131 451 Of which: restructured loans 8,997 8,657 Subtotal 59,034 56,450」
Total risk-monitored claims declined, while bankruptcy and reorganization claims and claims past due for 3 months or more increased, with trends varying by claim category. - FY2024-Q1Decline in total risk-monitored claims alongside increases in some claim categoriesAnnual report
「Bankruptcy and reorganization claims and similar claims 3,665 4,088 Doubtful claims 46,239 42,664 Claims past due for 3 months or more 131 396 Restructured loans 8,997 9,239 Total 59,034 56,389」
Doubtful claims declined, while bankruptcy and reorganization claims, claims past due for 3 months or more, and restructured loans increased. Total risk-monitored claims declined from the end of the previous fiscal year, with trends varying by category. - FY2023-Q3WorsenedAnnual report
「Doubtful claims ¥42,510 million ¥44,780 million Claims past due for 3 months or more ¥161 million ¥327 million Total ¥53,491 million ¥55,370 million」
Doubtful claims increased by ¥2,270 million from the end of the previous fiscal year, claims past due for 3 months or more increased by ¥166 million, and total risk-monitored claims also increased by ¥1,879 million. Restructured loans declined, but some deterioration in credit risk continued. - FY2023-Q2WorsenedAnnual report
「Doubtful claims increased from ¥41,597 million to ¥44,888 million, while claims requiring special attention decreased from ¥8,161 million to ¥7,160 million.」
The Bank's doubtful claims on a standalone basis increased from ¥41,597 million in the same period of the previous year to ¥44,888 million. Claims requiring special attention declined, but some deterioration in credit risk continued. - FY2023-Q1Increase in doubtful claims alongside a decline in total risk-monitored claimsAnnual report
「Doubtful claims ¥42,510 million ¥42,632 million Restructured loans ¥7,226 million ¥6,800 million Total ¥53,491 million ¥53,369 million」
Doubtful claims increased from ¥42,510 million at the end of the previous fiscal year to ¥42,632 million, while restructured loans declined and total risk-monitored claims decreased to ¥53,369 million. - FY2022WorsenedAnnual report
「At the end of the current consolidated fiscal year, risk-monitored claims, as disclosed under the Financial Reconstruction Act, increased by ¥1,343 million from the end of the previous fiscal year to ¥53,491 million, while restructured loans increased from ¥5,361 million to ¥7,226 million.」
Risk-monitored claims and restructured loans increased from the end of the previous fiscal year, indicating some deterioration in credit risk through actual results. - FY2022-Q3WorsenedAnnual report
「Past-due claims ¥45,325 million ¥44,754 million Claims past due for 3 months or more ¥167 million ¥323 million Restructured loans ¥5,361 million ¥8,331 million Total ¥51,910 million ¥54,408 million」
Restructured loans increased from ¥5,361 million at the end of the previous fiscal year to ¥8,331 million, and total risk-monitored claims also increased to ¥54,408 million. The figures indicate some deterioration in credit risk. - FY2022-Q2WorsenedAnnual report
「Amount of assessed assets Classification of claims 30 September 2020 30 September 2021 Amount (¥ million) Amount (¥ million) Bankruptcy and reorganization claims and similar claims 4,254 3,185 Doubtful claims 43,974 41,597 Claims requiring special attention 5,781 8,161 Normal claims 3,743,501 3,845,157」
Doubtful claims decreased from ¥43,974 million to ¥41,597 million, while claims requiring special attention increased from ¥5,781 million to ¥8,161 million. Total risk-monitored claims also increased from ¥51,910 million to ¥52,818 million. - FY2021WorsenedAnnual report
「Doubtful claims increased from ¥41,211 million to ¥42,766 million, while claims requiring special attention increased from ¥4,827 million to ¥5,528 million.」
Doubtful claims and claims requiring special attention increased from the end of the previous fiscal year, indicating through actual results the potential crystallization of credit risk due to the COVID-19 pandemic and other factors. - FY2021-Q2WorsenedAnnual report
「Amount of assessed assets Doubtful claims 37,786 43,974 Claims requiring special attention 9,044 5,781」
Doubtful claims increased from ¥37,786 million in the same period of the previous year to ¥43,974 million. Claims requiring special attention declined, but an increase in part of the credit risk was noted. - FY2018First statedAnnual report
「Credit risk may crystallize as the financial condition of borrowers deteriorates due to economic cycles and other factors. The resulting occurrence of non-performing loans and credit-related expenses may reduce net assets and adversely affect the financial condition and operating results of the Group.」
The crystallization of credit risk due to deterioration in borrowers' financial condition, the occurrence of non-performing loans and credit-related expenses, and the resulting impact on net assets are described separately as risks.