Credit Risk and Asset Quality
First written in FY2016. 16 of 38 entries say "Mitigated", first in FY2018-Q2. Latest entry: FY2026.
The whole theme swung hardest in 2020: 24 of 45 companies on the "Worse" side.
3 other companies' latest entry also says "Other".
- FY2026Risk-management loan balances increased while the ratio declinedAnnual report
「The balance of risk-monitored loans increased by ¥500 million from the end of the previous consolidated fiscal year to ¥50.9 billion at the end of the current consolidated fiscal year. Meanwhile, the risk-monitored loan ratio fell by 0.03 percentage points from the end of the previous consolidated fiscal year to 1.97% because total credit exposure increased.」
The balance of risk-monitored loans increased from ¥50,381 million to ¥50,958 million, while the ratio fell from 2.00% to 1.97% because total credit exposure increased. An increase in credit-risk balances and an improvement in the ratio occurred concurrently. - FY2026-H1WorsenedAnnual report
「Loans to borrowers in bankruptcy or undergoing rehabilitation and equivalent loans ¥21,784 million ¥21,796 million Loans to borrowers at risk of default ¥21,306 million ¥22,215 million Loans past due three months or more ¥627 million ¥794 million Restructured loans ¥6,662 million ¥6,204 million Total ¥50,381 million ¥51,011 million」
The total balance of risk-monitored loans increased from ¥50,381 million at the end of the previous fiscal year to ¥51,011 million. Loans to borrowers at risk of default and loans past due three months or more also increased, and the provision for loan losses rose from ¥854 million in the same period of the previous year to ¥1,263 million. - FY2025-H1Decrease in risk-monitored loans and provision for loan losses, with an increase in loans to borrowers in bankruptcy or undergoing rehabilitationAnnual report
「Total ¥49,043 million ¥48,853 million Provision for loan losses ¥1,475 million ¥854 million」
The total balance of risk-monitored loans decreased slightly from ¥49,043 million at the end of March 2024 to ¥48,853 million at the end of September 2024, and the provision for loan losses also decreased from ¥1,475 million in the same period of the previous year to ¥854 million. Meanwhile, in the asset assessment, loans to borrowers in bankruptcy or undergoing rehabilitation and equivalent loans increased year on year, with improvement and deterioration occurring concurrently. - FY2024Concurrent decrease in risk-monitored loans and additional provisioningAnnual report
「As a result of continued efforts to facilitate financing for small and medium-sized enterprises, including support for management improvement, the balance of risk-monitored loans decreased by ¥1.7 billion from the end of the previous consolidated fiscal year, to ¥49.0 billion at the end of the current consolidated fiscal year. The risk-monitored loan ratio also improved to 2.04%, a decrease of 0.24 percentage points from the end of the previous consolidated fiscal year.」
While the balance and ratio of risk-monitored loans improved, an additional provision for loan losses of ¥1,106 million was recorded in anticipation of heightened credit risk for certain borrowers in the road freight transport industry. Improvement in credit indicators and the provisioning burden for a specific industry occurred concurrently. - FY2024-Q3Concurrent decrease in loan balances and increase in provision for loan lossesAnnual report
「Total ¥50,773 million ¥49,617 million Provision for loan losses ¥759 million ¥1,185 million」
The total balance of risk-monitored loans decreased from ¥50,773 million at the end of March 2023 to ¥49,617 million, while the provision for loan losses increased from ¥759 million in the same period of the previous year to ¥1,185 million. Improvement in credit-risk indicators and an increased credit-cost burden occurred concurrently. - FY2024-Q2Concurrent decrease in loan balances and increase in provision for loan lossesAnnual report
「Total ¥50,773 million ¥50,408 million Provision for loan losses ¥398 million ¥1,475 million」
The total balance of risk-monitored loans decreased slightly from ¥50,773 million at the end of March 2023 to ¥50,408 million, while the provision for loan losses increased from ¥398 million in the same period of the previous year to ¥1,475 million. Improvement in credit-risk indicators and increased credit-cost burden occurred concurrently. - FY2023-Q3MitigatedAnnual report
「Total ¥51,464 million ¥50,433 million」
The total balance of risk-monitored loans decreased from ¥51,464 million at the end of March 2022 to ¥50,433 million at the end of December 2022. - FY2023-Q2MitigatedAnnual report
「Total ¥51,464 million ¥51,091 million」
The total balance of risk-monitored loans decreased from ¥51,464 million at the end of March 2022 to ¥51,091 million at the end of September 2022. - FY2023-Q1WorsenedAnnual report
「Total ¥51,464 million ¥52,499 million」
The total balance of risk-monitored loans increased from ¥51,464 million at the end of March 2022 to ¥52,499 million at the end of June 2022, indicating a deterioration in realized credit-risk metrics. - FY2022WorsenedAnnual report
「The balance of risk-monitored loans increased by ¥3.9 billion from the end of the previous consolidated fiscal year to ¥51.4 billion at the end of the current consolidated fiscal year. The risk-monitored loan ratio also rose by 0.16 percentage points from the end of the previous consolidated fiscal year to 2.37%.」
The balance of risk-monitored loans increased from ¥47,482 million to ¥51,464 million, and the ratio rose from 2.21% to 2.37%. - FY2022-Q3WorsenedAnnual report
「Loans to bankrupt borrowers ¥1,265 million ¥1,087 million Past due loans ¥38,274 million ¥42,623 million Loans past due three months or more ¥741 million ¥546 million Restructured loans ¥6,744 million ¥7,309 million Total ¥47,026 million ¥51,567 million」
The total balance of risk-monitored loans increased from ¥47,026 million at the end of March 2021 to ¥51,567 million at the end of December 2021. It also increased slightly from ¥51,532 million at the end of the previous interim period, indicating a deterioration in realized credit-risk metrics. - FY2022-Q2WorsenedAnnual report
「Total ¥47,026 million ¥51,532 million」
The total balance of risk-monitored loans increased from ¥47,026 million at the end of March 2021 to ¥51,532 million at the end of September 2021. Loans to borrowers in bankruptcy or undergoing rehabilitation, loans to borrowers at risk of default, and loans requiring management all increased. - FY2022-Q1MitigatedAnnual report
「Provision for loan losses ¥1,029 million ¥260 million」
The provision for loan losses decreased from ¥1,029 million in the same period of the previous year to ¥260 million. The total balance of risk-monitored loans also decreased slightly from ¥47,026 million at the end of the previous consolidated fiscal year to ¥46,980 million. - FY2021-Q3Continued increase in provision for loan lossesAnnual report
「Provision for loan losses ¥2,324 million ¥3,513 million」
The provision for loan losses increased from ¥2,324 million in the same period of the previous year to ¥3,513 million. While risk-monitored loans decreased, credit costs continued to increase. - FY2021-Q3MitigatedAnnual report
「Total ¥45,594 million ¥44,505 million」
The total balance of risk-monitored loans decreased from ¥45,594 million at the end of March 2020 to ¥44,505 million at the end of December 2020. - FY2021-Q2Continued increase in provision for loan lossesAnnual report
「Meanwhile, ordinary expenses increased by ¥309 million from the first six months of the previous second quarter consolidated cumulative period to ¥25,714 million, mainly because the provision for loan losses increased, despite a decrease in funding costs.」
While the total balance of risk-monitored loans decreased, the provision for loan losses increased from ¥1,516 million in the same period of the previous year to ¥2,094 million. - FY2021-Q2MitigatedAnnual report
「Total ¥45,594 million ¥44,028 million」
The total balance of risk-monitored loans decreased from ¥45,594 million at the end of March 2020 to ¥44,028 million at the end of September 2020. - FY2021-Q1Increase in Provision for Doubtful AccountsAnnual report
「Provision for loan losses ¥774 million ¥1,029 million」
The provision for loan losses increased from ¥774 million in the same period of the previous year to ¥1,029 million. Meanwhile, the total balance of risk-monitored loans decreased. - FY2021-Q1MitigatedAnnual report
「Loans to bankrupt borrowers ¥2,715 million ¥1,774 million Past due loans ¥36,024 million ¥34,928 million Loans past due three months or more ¥381 million ¥811 million Restructured loans ¥6,473 million ¥6,083 million Total ¥45,594 million ¥43,597 million」
The total balance of risk-monitored loans decreased from ¥45,594 million at the end of March 2020 to ¥43,597 million at the end of June 2020. - FY2020MitigatedAnnual report
「As a result of continued efforts to facilitate financing for small and medium-sized enterprises, including support for management improvement, the balance of risk-monitored loans decreased by ¥1.2 billion from the previous consolidated fiscal year, to ¥45.5 billion at the end of the current consolidated fiscal year. The risk-monitored loan ratio also fell by 0.14 percentage points from the end of the previous consolidated fiscal year to 2.29%.」
The balance of risk-monitored loans decreased from ¥46.8 billion to ¥45.5 billion, and the ratio fell from 2.43% to 2.29%. - FY2020-Q3MitigatedAnnual report
「Total ¥46,845 million ¥45,191 million」
The total balance of risk-monitored loans decreased from ¥46,845 million at the end of the previous consolidated fiscal year to ¥45,191 million at the end of the current third quarter. - FY2020-Q2MitigatedAnnual report
「Total ¥46,845 million ¥46,380 million」
The total balance of risk-monitored loans decreased from ¥46,845 million at the end of the previous consolidated fiscal year to ¥46,380 million. Meanwhile, loans to borrowers at risk of default and loans requiring management increased. - FY2020-Q1MitigatedAnnual report
「Total ¥46,845 million ¥45,772 million」
The total balance of risk-monitored loans decreased from ¥46,845 million at the end of the previous consolidated fiscal year to ¥45,772 million. - FY2019WorsenedAnnual report
「As the Company continued efforts to facilitate financing for small and medium-sized enterprises, including support for management improvement, a review of borrower classifications resulted in a ¥2.0 billion year-on-year increase in the balance of risk-monitored loans, which stood at ¥46.8 billion at the end of the current consolidated fiscal year. The risk-monitored loan ratio also rose by 0.03 percentage points from the end of the previous consolidated fiscal year to 2.43%.」
The balance and ratio of risk-monitored loans increased from the previous year, indicating a deterioration in realized credit-risk metrics. Actual credit costs also amounted to ¥3,496 million. - FY2019-Q3Increase in Provision for Doubtful AccountsAnnual report
「Provision for loan losses ¥263 million ¥2,571 million」
The provision for loan losses increased from ¥263 million in the same period of the previous year to ¥2,571 million. Meanwhile, the total balance of risk-monitored loans decreased slightly from ¥44,785 million at the end of the previous consolidated fiscal year to ¥44,024 million. - FY2019-Q2Increase in precautionary provisionsAnnual report
「Ordinary expenses increased by ¥2,302 million from the first six months of the previous second quarter consolidated cumulative period to ¥26,113 million, mainly because the provision for loan losses increased as a result of precautionary provisioning.」
The provision for loan losses increased as a result of precautionary provisioning, making credit costs a factor in the increase in ordinary expenses. Meanwhile, the total balance of risk-monitored loans decreased slightly from ¥44,785 million at the end of the previous consolidated fiscal year to ¥44,497 million. - FY2019-Q1MitigatedAnnual report
「The total amount of loans to bankrupt borrowers, past due loans, loans past due three months or more, and restructured loans was as follows: previous consolidated fiscal year (31 March 2018), ¥44,785 million; current first quarter consolidated accounting period (30 June 2018), ¥43,358 million.」
The total balance of risk-monitored loans decreased from ¥44,785 million at the end of the previous consolidated fiscal year to ¥43,358 million. - FY2018MitigatedAnnual report
「As the amount of restructured loans decreased, the balance of risk-monitored loans decreased by ¥5.4 billion from the previous consolidated fiscal year to ¥44.7 billion. The risk-monitored loan ratio also fell by 0.41 percentage points from the end of the previous consolidated fiscal year to 2.40%.」
The balance of risk-monitored loans decreased from ¥50.2 billion to ¥44.7 billion, and the ratio fell from 2.81% to 2.40%. - FY2018-Q3MitigatedAnnual report
「The total amounts of claims against bankrupt borrowers, delinquent claims, claims delinquent for 3 months or more, and restructured loans were as follows: ¥50,202 million at the end of the previous consolidated fiscal year, 31 March 2017, and ¥42,824 million at the end of the third quarter of the current consolidated fiscal year, 31 December 2017.」
The total amount of risk-monitored loans declined from ¥50,202 million at the end of the previous consolidated fiscal year to ¥42,824 million. The credit risk performance indicator also declined further from ¥43,046 million at the interim period. - FY2018-Q2MitigatedAnnual report
「The total amounts of claims against bankrupt borrowers, delinquent claims, claims delinquent for 3 months or more, and restructured loans were as follows: ¥50,202 million at the end of the previous consolidated fiscal year, 31 March 2017, and ¥43,046 million at the end of the current interim consolidated accounting period, 30 September 2017.」
The total amount of risk-monitored loans declined from ¥50,202 million to ¥43,046 million. A decrease in credit-related costs and a reversal gain on the allowance for loan losses of ¥1.175 billion were also disclosed. - FY2018-Q1RestatedAnnual report
「The total amounts of claims against bankrupt borrowers, delinquent claims, claims delinquent for 3 months or more, and restructured loans were as follows: ¥50,202 million at the end of the previous consolidated fiscal year, 31 March 2017, and ¥48,523 million at the end of the first quarter of the current consolidated fiscal year, 30 June 2017.」
The total amount of risk-monitored loans was disclosed as ¥48,523 million. Although this was down from ¥50,202 million at the end of the previous consolidated fiscal year, the company states that there had been no significant changes in business and other risks, so the assessment was limited to a reaffirmation. - FY2017WorsenedAnnual report
「While continuing to support the smooth provision of finance to small and medium-sized enterprises, including through management improvement support, the balance of risk-monitored loans increased by ¥2.2 billion from the end of the previous consolidated fiscal year due to a review of borrower classifications. The ratio of risk-monitored loans rose 0.05 percentage points to 2.81%.」
The balance of risk-monitored loans increased by ¥2.2 billion, and the ratio rose from 2.76% to 2.81%. Credit risk performance indicators have deteriorated. - FY2017-Q3RestatedAnnual report
「The total amounts of claims against bankrupt borrowers, delinquent claims, claims delinquent for 3 months or more, and restructured loans were as follows: ¥47,946 million at the end of the previous consolidated fiscal year, 31 March 2016, and ¥49,859 million at the end of the third quarter of the current consolidated fiscal year, 31 December 2016.」
The total amount of risk-monitored loans was disclosed as ¥49,859 million. The company states that there had been no significant changes in business and other risks, so the assessment of credit risk was limited to a reaffirmation. - FY2017-Q2RestatedAnnual report
「The total amounts of claims against bankrupt borrowers, delinquent claims, claims delinquent for 3 months or more, and restructured loans were as follows: ¥47,946 million at the end of the previous consolidated fiscal year, 31 March 2016, and ¥50,204 million at the end of the current interim consolidated accounting period, 30 September 2016.」
Balances of assessed assets and risk-monitored loans have been disclosed. The business and other risks section states that there had been no significant changes, so the assessment of credit risk was limited to a reaffirmation. - FY2017-Q1RestatedAnnual report
「Total ¥47,909 million」
The total amount of risk-monitored loans at the end of the first quarter was disclosed as ¥47,909 million. The quarterly report states that there had been no significant changes in risks since the previous fiscal year, so the assessment of credit risk was limited to a reaffirmation. - FY2016First statedAnnual report
「We have established a Credit Risk Management Policy and ensure that each division implements appropriate risk management. We work to maintain and improve the soundness of assets subject to credit risk and to construct an optimal portfolio. However, depending on future economic conditions, fluctuations in real estate and stock prices, and the operating conditions of borrowers, the amount of non-performing loans and credit-related costs may increase, adversely affecting the operating results and financial condition of the Group.」
The bank is advancing its Credit Risk Management Policy, maintaining asset soundness and constructing its portfolio, while indicating the possibility of increases in non-performing loans and credit-related costs. The ratio of risk-monitored loans is stated as 2.76%.