Increase and Deterioration of Non-Performing Loans and Credit Losses
First written in FY2016. 15 of 35 entries say "Mitigated", first in FY2017-Q1. Latest entry: FY2026.
The Kiyo 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 2020: 24 of 45 companies on the "Worse" side.
3 other companies' latest entry also says "Other".
- FY2026Decline in nonperforming loan balances and additional provisionsAnnual report
「Total amount ¥60,611 million ¥59,389 million As a result, an additional loan-loss provision of ¥1,349 million was recorded in the current consolidated fiscal year.」
The total amount of risk-monitored loans declined from ¥6,061.1 million to ¥5,938.9 million, while an additional loan-loss provision of ¥1,349 million was recorded. - 2026-05-14WorsenedEarnings
「Total credit costs (△) 2,382 2,568 △ 186」
Total credit costs for the period were ¥2.382 billion, reflecting credit costs including loan write-offs and provisions for loan losses. - FY2026-H1WorsenedAnnual report
「Loans in bankruptcy or reorganization and similar loans ¥2,826 million ¥3,486 million Doubtful loans ¥47,228 million ¥48,626 million Restructured loans ¥10,556 million ¥10,969 million Total amount ¥60,611 million ¥63,083 million」
The total amount of risk-monitored loans increased from ¥6,061.1 million at the end of the previous fiscal year to ¥6,308.3 million. An additional loan-loss provision of ¥1,657 million was also recorded. - FY2025MitigatedAnnual report
「The total amount declined from ¥77,074 million in the previous consolidated fiscal year to ¥60,611 million.」
The total amount of risk-monitored loans declined from ¥7,707.4 million to ¥6,061.1 million. Meanwhile, an additional loan-loss provision of ¥1,687 million was recorded. - FY2025-H1Decline in nonperforming loan balances and recognition of precautionary provisionsAnnual report
「Total amount ¥77,074 million ¥66,270 million As a result, a precautionary loan-loss provision of ¥2,205 million was recorded in the current interim consolidated accounting period.」
The total amount of risk-monitored loans declined from ¥7,707.4 million at the end of the previous fiscal year to ¥6,627.0 million, while a precautionary loan-loss provision of ¥2,205 million was recorded. - FY2024-Q3Decline in nonperforming loan balances and increase in credit costsAnnual report
「Total amount ¥83,503 million ¥82,427 million Accordingly, a gain on collection of written-off loans of ¥2,905 million will be recorded under other ordinary income for the fourth quarter of the consolidated fiscal year ending March 2024.」
The total amount of risk-monitored loans declined from ¥8,350.3 million at the end of the previous fiscal year to ¥8,242.7 million. Meanwhile, during the 3rd quarter cumulative period, ¥2,534 million in loan write-offs and a ¥1,003 million provision for loan losses were recorded. In addition, part of the loans written off and provided for in previous fiscal years was collected, and a ¥2,905 million gain on collection of written-off loans is scheduled to be recorded in the following quarter. - FY2024-Q2MitigatedAnnual report
「Total amount ¥83,503 million ¥80,139 million」
The total amount of risk-monitored loans declined from ¥8,350.3 million at the end of the previous fiscal year to ¥8,013.9 million. - FY2024-Q1MitigatedAnnual report
「Loans in bankruptcy or reorganization and similar loans ¥14,237 million ¥14,223 million Doubtful loans ¥55,290 million ¥55,860 million Loans past due for 3 months or more — million — million Restructured loans ¥13,975 million ¥11,265 million Total amount ¥83,503 million ¥81,348 million」
The total amount of risk-monitored loans declined from ¥8,350.3 million at the end of the previous fiscal year to ¥8,134.8 million. Doubtful loans increased, while restructured loans declined. - FY2023WorsenedAnnual report
「Loans in bankruptcy or reorganization and similar loans ¥14,558 million ¥14,237 million Doubtful loans ¥52,448 million ¥55,290 million Restructured loans ¥13,916 million ¥13,975 million Total amount ¥80,922 million ¥83,503 million」
The total amount of nonperforming loan-related claims increased from ¥8,092.2 million to ¥8,350.3 million, with increases in doubtful loans and restructured loans. - FY2023-Q3WorsenedAnnual report
「Total amount ¥80,922 million ¥83,617 million Provision for loan losses ¥414 million ¥880 million」
The total amount of risk-monitored loans increased from ¥8,092.2 million at the end of the previous fiscal year to ¥8,361.7 million. The provision for loan losses also increased from ¥414 million in the same period of the previous year to ¥880 million. - FY2023-Q2WorsenedAnnual report
「Total amount ¥80,922 million ¥83,358 million」
The total amount of risk-monitored loans increased from ¥8,092.2 million at the end of the previous fiscal year to ¥8,335.8 million. Among the components, loans requiring monitoring and other categories increased, expanding nonperforming loan-related exposure. - FY2023-Q1WorsenedAnnual report
「Total amount ¥80,922 million ¥81,033 million Provision for loan losses ¥140 million ¥341 million」
The total amount of risk-monitored loans increased slightly from ¥8,092.2 million at the end of the previous fiscal year to ¥8,103.3 million. The provision for loan losses also increased from ¥140 million in the same period of the previous year to ¥341 million. - FY2022Decline in nonperforming loan balances and recognition of precautionary provisionsAnnual report
「Total disclosed claims declined from ¥8,263.4 million in the previous fiscal year to ¥8,092.2 million. As a result, a precautionary loan-loss provision of ¥3,076 million was recorded in the current consolidated fiscal year.」
Total disclosed claims declined from ¥8,263.4 million in the previous fiscal year to ¥8,092.2 million, while a precautionary loan-loss provision of ¥3,076 million was recorded for borrowers affected by COVID-19, bringing total credit-related costs to ¥4.5 billion. - FY2022-Q2MitigatedAnnual report
「Total amount ¥82,449 million ¥82,353 million」
The total amount of risk-monitored loans declined slightly from ¥8,244.9 million at the end of the previous fiscal year to ¥8,235.3 million. - FY2022-Q1WorsenedAnnual report
「Loans to borrowers in legal bankruptcy ¥1,418 million ¥1,485 million Past-due loans ¥67,379 million ¥67,877 million Loans past due for 3 months or more ¥2 million — million Restructured loans ¥13,650 million ¥15,506 million Total amount ¥82,449 million ¥84,869 million」
The total amount of risk-monitored loans increased from ¥8,244.9 million at the end of the previous consolidated fiscal year to ¥8,486.9 million. Nonperforming loan-related exposure expanded, driven by increases in restructured loans and other categories. - FY2021WorsenedAnnual report
「Total amount ¥63,715 million ¥82,449 million Total credit-related costs increased by ¥3,178 million year on year to ¥3,888 million.」
The total amount of risk-monitored loans increased from ¥6,371.5 million to ¥8,244.9 million, while total credit-related costs also increased from ¥710 million to ¥3,888 million. Both nonperforming loan-related exposure and credit costs deteriorated. - FY2021-Q3WorsenedAnnual report
「Total amount ¥63,715 million ¥78,509 million」
The total amount of risk-monitored loans increased from ¥6,371.5 million at the end of the previous consolidated fiscal year to ¥7,850.9 million. Past-due loans and restructured loans also increased, and a ¥3,207 million provision for loan losses was recorded. - FY2021-Q2WorsenedAnnual report
「Total amount ¥63,715 million ¥73,585 million Provision for loan losses — million ¥1,299 million」
The total amount of risk-monitored loans increased from ¥6,371.5 million at the end of the previous fiscal year to ¥7,358.5 million, and a ¥1,299 million provision for loan losses was recorded. Nonperforming loan-related exposure and credit costs deteriorated. - FY2021-Q1WorsenedAnnual report
「Total amount ¥63,715 million ¥68,665 million Provision for loan losses — million ¥1,093 million」
The total amount of risk-monitored loans increased from ¥6,371.5 million at the end of the previous consolidated fiscal year to ¥6,866.5 million, and a ¥1,093 million provision for loan losses was recorded. Both nonperforming loan-related exposure and credit costs deteriorated. - FY2020-Q3WorsenedAnnual report
「Loans to borrowers in legal bankruptcy ¥1,415 million ¥1,669 million Past-due loans ¥56,640 million ¥58,333 million Loans past due for 3 months or more ¥766 million — million Restructured loans ¥6,808 million ¥6,087 million Total amount ¥65,631 million ¥66,089 million」
The total amount of risk-monitored loans increased from ¥6,563.1 million at the end of the previous consolidated fiscal year to ¥6,608.9 million. Among the components, loans to borrowers in legal bankruptcy and past-due loans increased, while loans past due for 3 months or more fell to zero. - FY2020-Q2WorsenedAnnual report
「Total amount ¥65,631 million ¥65,764 million」
The total amount of risk-monitored loans increased slightly from ¥6,563.1 million at the end of the previous fiscal year to ¥6,576.4 million. - FY2020-Q1MitigatedAnnual report
「Total amount ¥65,631 million ¥64,217 million」
The total amount of risk-monitored loans declined from ¥6,563.1 million at the end of the previous fiscal year to ¥6,421.7 million. In addition, a ¥596 million gain on reversal of loan-loss provisions was recorded. - FY2019MaterialisedAnnual report
「In addition, total credit-related costs increased by ¥340 million year on year to ¥2,186 million.」
Total credit-related costs increased to ¥2,186 million, resulting in expenses related to nonperforming loans and credit risk. Meanwhile, the total amount of risk-monitored loans declined to ¥6,563.1 million. Native - FY2019-Q3MaterialisedAnnual report
「Provision for loan losses — million ¥279 million Total amount ¥69,736 million ¥68,612 million」
A ¥279 million provision for loan losses was recorded, resulting in expenses related to part of the nonperforming loan risk. Meanwhile, the total amount of risk-monitored loans declined from ¥69,736 million at the end of the previous fiscal year to ¥68,612 million. - FY2019-Q2MitigatedAnnual report
「Total amount ¥69,736 million ¥68,212 million」
The total amount of risk-monitored loans declined from ¥69,736 million at the end of the previous fiscal year to ¥68,212 million. - FY2019-Q1MitigatedAnnual report
「Total amount ¥69,736 million ¥69,575 million」
The total amount of risk-monitored loans declined from ¥69,736 million at the end of the previous consolidated fiscal year to ¥69,575 million. - FY2018MitigatedAnnual report
「The total amounts of loans to borrowers in legal bankruptcy, past-due loans, loans past due for 3 months or more, and restructured loans are as follows.」
The total amount of risk-monitored loans declined from ¥80,473 million at the end of the previous fiscal year to ¥69,736 million. - FY2018-Q3MitigatedAnnual report
「Loans to borrowers in legal bankruptcy ¥1,808 million Past-due loans ¥61,943 million Loans past due for 3 months or more ¥49 million Restructured loans ¥9,166 million Total amount ¥72,968 million」
The total amount of risk-monitored loans declined from ¥80,473 million at the end of the previous fiscal year to ¥72,968 million, also falling from ¥75,886 million in the previous quarter. - FY2018-Q2MitigatedAnnual report
「Total amount ¥75,886 million」
The total amount of risk-monitored loans declined from ¥80,473 million at 31 March 2017 to ¥75,886 million, also falling below the level reported in the previous quarterly report. - FY2018-Q1MitigatedAnnual report
「Loans to borrowers in legal bankruptcy ¥1,573 million Past-due loans ¥67,986 million Loans past due for 3 months or more ¥38 million Restructured loans ¥9,114 million Total amount ¥78,711 million」
The total amount of risk-monitored loans declined from ¥80,473 million at the end of the previous fiscal year to ¥78,711 million. - FY2017MitigatedAnnual report
「The total amounts of loans to borrowers in legal bankruptcy, past-due loans, loans past due for 3 months or more, and restructured loans are as follows.」
The total amount of risk-monitored loans declined from ¥82,597 million at 31 March 2016 to ¥80,473 million at 31 March 2017. - FY2017-Q3MitigatedAnnual report
「Total amount ¥82,597 million ¥79,742 million」
The total amount of risk-monitored loans declined from ¥82,597 million at the end of the previous consolidated fiscal year to ¥79,742 million. This indicates a decline in nonperforming loan-related balances. - FY2017-Q2MitigatedAnnual report
「Total amount ¥82,597 million ¥81,329 million」
The total amount of risk-monitored loans declined from ¥82,597 million at 31 March 2016 to ¥81,329 million, with nonperforming loan-related balances continuing to decline year on year. - FY2017-Q1MitigatedAnnual report
「Total amount ¥82,597 million ¥80,908 million」
The total amount of risk-monitored loans declined from the end of the previous consolidated fiscal year. However, some components, including loans to borrowers in legal bankruptcy and loans past due for 3 months or more, increased. - FY2016First statedAnnual report
「Depending on regional economic conditions, land price trends and the financial condition of borrower companies, nonperforming loan balances may increase or nonperforming loans may deteriorate, potentially resulting in higher credit-related costs.」
The total amount of loans to borrowers in legal bankruptcy, past-due loans, loans past due for 3 months or more, and restructured loans was ¥82,597 million at 31 March 2016.