Risk of rising non-performing loans and credit costs, and support for management improvement
First written in FY2017. 17 of 31 entries say "Worsened", first in FY2018-Q1. Latest entry: 2026-07-10.
The Hyakujushi Bank moved to the "Worse" side of this theme in 2017, 5 years before the typical company in this theme (2022).
The whole theme swung hardest in 2020: 3 of 10 companies on the "Worse" side.
0 other companies' latest entry also says "Materialised".
- 2026-07-10MaterialisedOccurring Fact
「We hereby announce that 全東信株式会社, a business partner of the Bank, received an order commencing bankruptcy proceedings from the Osaka District Court dated 6 July 2026. With respect to the Bank’s claims against the company, we will make full provisions in the first quarter of the fiscal year ending March 2027 for the unsecured portion, and there will be no change to the consolidated earnings forecasts for the second quarter and full year of the fiscal year ending March 2027 announced on 12 May 2026.」
The disclosure stated that credit risk had materialized following the commencement of bankruptcy proceedings for a business partner and that full provisions would be recorded for claims not secured by collateral or otherwise protected. - FY2026WorsenedAnnual report
「Costs related to non-performing loan resolution increased by ¥1,912 million from the previous fiscal year to ¥6,733 million.」
Costs related to non-performing loan resolution increased from ¥4,821 million to ¥6,733 million, and the provision for loan losses also amounted to ¥6,232 million. - 2026-05-12WorsenedEarnings
「Credit-related expenses 7,187 3,082 4,105」
Consolidated credit-related expenses increased from ¥4,105 million in the previous year to ¥7,187 million. Provision expenses for loan losses also increased. - FY2026-H1WorsenedAnnual report
「Provision for loan losses Previous interim consolidated accounting period ¥1,290 million Current interim consolidated accounting period ¥2,329 million」
The provision for loan losses increased from ¥1,290 million in the same period of the previous year to ¥2,329 million. - FY2025-H1WorsenedAnnual report
「Other ordinary expenses include the following: Previous interim consolidated accounting period Loan write-offs ¥837 million Provision for loan losses — Current interim consolidated accounting period Loan write-offs ¥444 million Provision for loan losses ¥1,290 million」
While loan write-offs decreased, the provision for loan losses increased from no provision in the same period of the previous year to ¥1,290 million. - FY2024MitigatedAnnual report
「Costs related to non-performing loan resolution decreased by ¥1,020 million from the previous fiscal year to ¥784 million.」
Costs related to non-performing loan resolution decreased from ¥2,204 million to ¥784 million, while loan write-offs also decreased from ¥1,433 million to ¥1,347 million. - FY2024-Q3MitigatedAnnual report
「Loan write-offs Previous nine-month period ¥1,364 million Current nine-month period ¥1,049 million」
Loan write-offs decreased from ¥1,364 million in the same period of the previous year to ¥1,049 million. Part of the burden of non-performing loan resolution decreased. - FY2024-Q2WorsenedAnnual report
「Loan write-offs ¥533 million ¥837 million」
Loan write-offs increased from ¥533 million in the same period of the previous year to ¥837 million. This indicates a partial increase in the burden related to non-performing loans and credit costs. - FY2024-Q1MitigatedAnnual report
「Loan write-offs ¥266 million ¥36 million Provision for loan losses ¥353 million —」
Loan write-offs decreased from ¥266 million in the same period of the previous year to ¥36 million, while no provision for loan losses was recorded, compared with ¥353 million in the same period of the previous year. - FY2023MitigatedAnnual report
「Costs related to non-performing loan resolution decreased by ¥1,029 million from the previous fiscal year to ¥2,204 million.」
Costs related to non-performing loan resolution decreased from ¥3,233 million to ¥2,204 million, while loan write-offs also decreased from ¥1,912 million to ¥1,433 million. - FY2023-Q3Decrease in loan write-offsAnnual report
「Loan write-offs ¥1,393 million ¥1,364 million」
Loan write-offs decreased from ¥1,393 million in the same period of the previous year to ¥1,364 million. - FY2023-Q2Increase in credit costs; decrease in loan write-offsAnnual report
「Ordinary revenue increased by ¥52 million from the previous fiscal year to ¥2,764 million, but segment profit decreased by ¥68 million from the previous nine-month period to ¥828 million due to the increase in credit costs and other factors.」
The increase in credit costs in the Other Businesses segment weighed on profit. Meanwhile, loan write-offs decreased from ¥1,020 million in the same period of the previous year to ¥533 million. - FY2023-Q1Provision for loan losses recorded; loan write-offs decreasedAnnual report
「Provision for loan losses — ¥353 million Loan write-offs ¥526 million ¥266 million」
The provision for loan losses increased from no provision in the same period of the previous year to ¥353 million, while loan write-offs decreased from ¥526 million to ¥266 million. - FY2022WorsenedAnnual report
「Costs related to non-performing loan resolution increased by ¥253 million from the previous fiscal year to ¥3,233 million.」
Costs related to non-performing loan resolution increased from ¥2,980 million to ¥3,233 million. The disclosure states that credit costs came in below the initial forecast as a result of cash flow support through COVID-19-related lending. - FY2022-Q3WorsenedAnnual report
「Loan write-offs ¥974 million ¥1,393 million」
Loan write-offs increased from ¥974 million in the same period of the previous year to ¥1,393 million. The assumption that COVID-19 will affect credit risk also remains in place. - FY2022-Q2Increase in loan write-offs; gain on reversal of provision for loan losses continues to be recordedAnnual report
「The Group assumes that the effects of the stagnation in economic activity accompanying the spread of COVID-19 will continue during the current fiscal year and will have a certain impact, particularly on the credit risk associated with loans and other assets. Loan write-offs ¥576 million ¥1,020 million Gain on reversal of provision for loan losses — ¥1,171 million」
While the Group continues to assume that COVID-19 will affect credit risk, loan write-offs increased from ¥576 million in the same period of the previous year to ¥1,020 million, and a gain on reversal of provision for loan losses of ¥1,171 million was recorded. - FY2022-Q1Increase in loan write-offs; gain on reversal of provision for loan losses recordedAnnual report
「The Group assumes that the effects of the stagnation in economic activity accompanying the spread of COVID-19 will continue during the current fiscal year and will have a certain impact, particularly on the credit risk associated with loans and other assets. Loan write-offs ¥174 million ¥526 million Gain on reversal of provision for loan losses ¥193 million ¥389 million」
While the Group continues to assume that COVID-19 will affect credit risk, loan write-offs increased year on year and a gain on reversal of provision for loan losses of ¥389 million was also recorded. - FY2021Decrease in costs related to non-performing loan resolution; support measures taking shapeAnnual report
「As a result of actively supporting customers' cash flow through COVID-19-related lending, credit costs came in below the initial forecast.」
The disclosure states that credit costs decreased from the previous fiscal year and came in below the initial forecast as a result of cash flow support through COVID-19-related lending. - FY2021-Q3Decrease in costs related to non-performing loan resolution; credit risk assumption maintainedAnnual report
「Loan write-offs Previous nine-month period ¥3,632 million Current nine-month period ¥974 million Provision for loan losses Previous nine-month period ¥3,176 million Current nine-month period ¥136 million The Group assumes that the effects of the stagnation in economic activity accompanying the spread of COVID-19 will continue during the current fiscal year and will have a certain impact, particularly on the credit risk associated with loans and other assets.」
While loan write-offs and the provision for loan losses decreased significantly year on year, the assumption that COVID-19 will affect the credit risk associated with loans and other assets remains in place. - FY2021-Q2Decrease in costs related to non-performing loan resolution; credit risk assumption maintainedAnnual report
「Loan write-offs ¥3,073 million ¥576 million Provision for loan losses ¥2,726 million ¥145 million The Group assumes that the effects of the stagnation in economic activity accompanying the spread of COVID-19 will continue during the current fiscal year and will have a certain impact, particularly on the credit risk associated with loans and other assets.」
While loan write-offs and the provision for loan losses decreased year on year, the Group continues to assume that COVID-19 will affect the credit risk associated with loans and other assets. - FY2021-Q1WorsenedAnnual report
「Credit-related expenses are becoming more severe each year due to the increase in corporate bankruptcies nationwide and the entry of companies from other industries. The Group assumes that the effects of the stagnation in economic activity accompanying the spread of COVID-19 will continue during the current fiscal year and will have a certain impact, particularly on the credit risk associated with loans and other assets.」
The Group assumes that the increase in credit costs resulting from the rise in corporate bankruptcies, together with the stagnation in economic activity caused by COVID-19, will affect the credit risk associated with loans and other assets. - FY2020-Q3WorsenedAnnual report
「Loan write-offs Previous nine-month period ¥3,324 million Current nine-month period ¥3,632 million Provision for loan losses Previous nine-month period ¥687 million Current nine-month period ¥3,176 million」
Loan write-offs increased from ¥3,324 million in the same period of the previous year to ¥3,632 million, while the provision for loan losses increased from ¥687 million to ¥3,176 million, increasing the burden of non-performing loan resolution. - FY2020-Q2WorsenedAnnual report
「Other ordinary expenses include the following: Previous interim consolidated accounting period Loan write-offs ¥2,372 million Provision for loan losses ¥475 million Current interim consolidated accounting period Loan write-offs ¥3,073 million Provision for loan losses ¥2,726 million」
Loan write-offs increased from ¥2,372 million in the same period of the previous year to ¥3,073 million, while the provision for loan losses increased from ¥475 million to ¥2,726 million, increasing the burden of non-performing loan resolution. - FY2020-Q1WorsenedAnnual report
「Provision for loan losses Previous three-month period ¥1,210 million Current three-month period ¥1,800 million Loan write-offs Previous three-month period ¥3 million Current three-month period ¥725 million」
The provision for loan losses increased from ¥1,210 million in the same period of the previous year to ¥1,800 million, while loan write-offs increased from ¥3 million to ¥725 million. - FY2019WorsenedAnnual report
「Ordinary profit for the current fiscal year decreased by ¥4,849 million from the previous fiscal year to ¥10,430 million, as the decrease in gross profit and the increase in costs related to non-performing loan resolution outweighed the reduction in operating expenses resulting from lower personnel expenses and other factors.」
Costs related to non-performing loan resolution increased from ¥3,034 million to ¥6,351 million, weighing on profit. Measures involving management support, collateral and the provision for loan losses remain in place. - FY2019-Q3WorsenedAnnual report
「Other ordinary expenses include the following: Loan write-offs Previous nine-month period ¥781 million Current nine-month period ¥3,324 million Provision for loan losses Previous nine-month period ¥706 million Current nine-month period ¥687 million」
Loan write-offs increased from ¥781 million in the same period of the previous year to ¥3,324 million. The provision for loan losses was ¥687 million. - FY2019-Q2WorsenedAnnual report
「Other ordinary expenses include the following: Write-offs of loans | Previous interim consolidated accounting period | ¥786 million | Current interim consolidated accounting period | ¥2,372 million | Provision for loan losses | Previous interim consolidated accounting period | — million | Current interim consolidated accounting period | ¥475 million」
Write-offs of loans increased from ¥786 million to ¥2,372 million, and a provision for loan losses of ¥475 million was also recorded. - FY2018WorsenedAnnual report
「Provision for loan losses | Previous consolidated fiscal year | — | Current consolidated fiscal year | ¥476 million」
The provision for loan losses increased from none in the previous year to ¥476 million in the current year. Meanwhile, the balance of risk-management loans declined. - FY2018-Q3WorsenedAnnual report
「Provision for loan losses | Cumulative nine-month period of the previous fiscal year | ¥104 million | Cumulative nine-month period of the current fiscal year | ¥706 million」
The provision for loan losses increased from ¥104 million in the same period of the previous year to ¥706 million, indicating a quantitative deterioration in risks related to non-performing loans and credit-related costs. - FY2018-Q1WorsenedAnnual report
「Other ordinary expenses include the following: Provision for loan losses | Cumulative first quarter of the previous fiscal year | ¥62 million | Cumulative first quarter of the current fiscal year | ¥475 million」
The provision for loan losses increased from ¥62 million in the same period of the previous year to ¥475 million. It also states that there were no material changes in business and other risks. - FY2017First statedAnnual report
「If the business conditions of the Bank Group's borrowers continue to deteriorate or the value of real estate collateral continues to decline, non-performing loans may increase, accompanied by higher credit-related costs.」
Deterioration in borrowers' business conditions and declines in real estate collateral values were identified as risks that could increase non-performing loans and credit-related costs, with management improvement support from the management support group and branches described as countermeasures.