Risk of Increased Credit Risk and Non-Performing Loans
First written in FY2016. 21 of 38 entries say "Mitigated", first in FY2018-Q1. Latest entry: 2026-08-07.
The whole theme swung hardest in 2020: 25 of 47 companies on the "Worse" side.
22 other companies' latest entry also says "Mitigated".
- 2026-08-07MitigatedEarnings
「Ratio of disclosed amount to total credit 1.35% △0.14% △0.33% 1.49% 1.68% (Non-performing loan ratio)」
The amount of disclosed claims and the non-performing loan ratio at the end of June 2026 declined from the levels at the end of March 2026. - FY2026MitigatedAnnual report
「Disclosed claims under the Financial Revitalization Law decreased by ¥1,880 million from the end of the previous consolidated fiscal year to ¥38,893 million. The disclosed claims ratio fell 0.20 percentage points from the end of the previous consolidated fiscal year to 1.54%.」
Both the amount and ratio of disclosed claims declined, while the coverage ratio also rose to 93.3%. Credit risk indicators improved from the previous fiscal year. - 2026-05-12MitigatedEarnings
「The balance of claims disclosed under the Financial Reconstruction Act decreased by ¥1.773 billion from the end of the previous fiscal year.」
The balance of claims disclosed under the Financial Reconstruction Act decreased, and the non-performing loan ratio also declined from 1.69% to 1.49%. - FY2026-H1Higher disclosed claims, lower ratio, higher coverage ratioAnnual report
「Disclosed claims under the Financial Revitalization Law increased by ¥966 million from the end of the previous consolidated fiscal year to ¥41,740 million. The disclosed claims ratio fell 0.02 percentage points from the end of the previous consolidated fiscal year to 1.72%. …The coverage ratio rose 0.3 percentage points from the end of the previous consolidated fiscal year to 93.2%.」
The amount of disclosed claims increased, while the disclosed claims ratio fell to 1.72% and the coverage ratio rose to 93.2%. High-risk claims increased by ¥830 million and claims in bankruptcy and reorganisation and similar claims increased by ¥144 million. - FY2025MitigatedAnnual report
「Disclosed claims under the Financial Revitalization Law decreased by ¥2,108 million from the end of the previous consolidated fiscal year to ¥40,773 million. The disclosed claims ratio fell 0.20 percentage points from the end of the previous consolidated fiscal year to 1.74%.」
Both the amount and ratio of disclosed claims declined. The coverage ratio was 92.9%, down 0.1 percentage points from the previous fiscal year. - FY2025-H1MitigatedAnnual report
「Disclosed claims under the Financial Revitalization Law decreased by ¥2,248 million from the end of the previous consolidated fiscal year to ¥40,633 million. The disclosed claims ratio fell 0.12 percentage points from the end of the previous consolidated fiscal year to 1.82%.」
Both the amount and ratio of disclosed claims declined from the end of the previous fiscal year. The coverage ratio also rose from 93.0% to 93.1%, while claims in bankruptcy and reorganisation increased by ¥782 million. - FY2024MitigatedAnnual report
「Disclosed claims under the Financial Revitalization Law decreased by ¥4,191 million from the end of the previous consolidated fiscal year to ¥42,881 million. The disclosed claims ratio fell 0.25 percentage points from the end of the previous consolidated fiscal year to 1.94%.」
Both the amount and ratio of disclosed claims declined, while the coverage ratio rose 0.4 percentage points to 93.0%. - FY2024-Q3MitigatedAnnual report
「Disclosed claims under the Financial Revitalization Law decreased by ¥4,363 million from the end of the previous consolidated fiscal year to ¥42,709 million. The disclosed claims ratio fell 0.25 percentage points from the end of the previous consolidated fiscal year to 1.94%.」
Both the amount and ratio of disclosed claims under the Financial Revitalization Law declined from the end of the previous fiscal year. Claims in bankruptcy and reorganisation, high-risk claims and claims requiring management also each decreased. - FY2024-Q2MitigatedAnnual report
「Disclosed claims under the Financial Revitalization Law decreased by ¥1,867 million from the end of the previous consolidated fiscal year to ¥45,205 million. The disclosed claims ratio fell 0.11 percentage points from the end of the previous consolidated fiscal year to 2.08%.」
Both the amount and ratio of disclosed claims declined from the end of the previous fiscal year, while the coverage ratio rose 0.6 percentage points to 93.2%. Claims in bankruptcy and reorganisation increased, but the overall indicators improved because of decreases in high-risk claims and other categories. - FY2024-Q1MitigatedAnnual report
「Disclosed claims under the Financial Revitalization Law decreased by ¥1,087 million from the end of the previous consolidated fiscal year to ¥45,985 million. The disclosed claims ratio fell 0.06 percentage points from the end of the previous consolidated fiscal year to 2.13%.」
Both the amount and ratio of disclosed claims under the Financial Revitalization Law declined from the end of the previous fiscal year. The amount of disclosed claims was ¥45,985 million and the ratio was 2.13%. - FY2023MitigatedAnnual report
「Disclosed claims under the Financial Revitalization Law decreased by ¥3,492 million from the end of the previous consolidated fiscal year to ¥47,073 million. The disclosed claims ratio fell 0.31 percentage points from the end of the previous consolidated fiscal year to 2.19%.」
The amount and ratio of disclosed claims declined from the end of the previous fiscal year, while the coverage ratio rose to 92.6%. Claims in bankruptcy and reorganisation increased, but the overall indicators improved because of decreases in high-risk claims and other categories. - FY2023-Q3Lower disclosed claims, continued increase in claims in bankruptcy and reorganisationAnnual report
「Disclosed claims under the Financial Revitalization Law decreased by ¥1,939 million from the end of the previous consolidated fiscal year to ¥48,626 million. The disclosed claims ratio fell 0.22 percentage points from the end of the previous consolidated fiscal year to 2.28%. By claim category, claims in bankruptcy and reorganisation and similar claims increased by ¥3,993 million, while high-risk claims decreased by ¥5,933 million.」
The total amount and ratio of disclosed claims improved, while claims in bankruptcy and reorganisation and similar claims increased by ¥3,993 million. The differing movements by category that had continued through the previous quarter also continued. - FY2023-Q2Lower disclosed claims, continued increase in claims in bankruptcy and reorganisationAnnual report
「Disclosed claims under the Financial Revitalization Law decreased by ¥690 million from the end of the previous consolidated fiscal year to ¥49,875 million. The disclosed claims ratio fell 0.13 percentage points from the end of the previous consolidated fiscal year to 2.37%. By claim category, claims in bankruptcy and reorganisation and similar claims increased by ¥3,693 million, while high-risk claims decreased by ¥4,384 million.」
The total amount and ratio of disclosed claims improved, and the coverage ratio also rose to 92.6%. However, claims in bankruptcy and reorganisation and similar claims increased by ¥3,693 million. - FY2023-Q1Slightly lower disclosed claims, higher claims in bankruptcy and reorganisationAnnual report
「Disclosed claims under the Financial Revitalization Law decreased by ¥38 million from the end of the previous consolidated fiscal year to ¥50,527 million. The disclosed claims ratio fell 0.04 percentage points from the end of the previous consolidated fiscal year to 2.46%. By claim category, claims in bankruptcy and reorganisation and similar claims increased by ¥2,004 million, while high-risk claims decreased by ¥2,041 million and claims requiring management decreased by ¥1 million.」
The total amount and ratio of disclosed claims improved, while claims in bankruptcy and reorganisation and similar claims increased by ¥2,004 million and high-risk claims decreased by ¥2,041 million. Credit risk indicators moved differently by category. - FY2022-Q3Lower disclosed claims, continued increase in claims in bankruptcy and reorganisationAnnual report
「Disclosed claims under the Financial Revitalization Law decreased by ¥866 million from the end of the previous consolidated fiscal year to ¥50,878 million. The disclosed claims ratio fell 0.14 percentage points from the end of the previous consolidated fiscal year to 2.50%. By claim category, claims in bankruptcy and reorganisation and similar claims increased by ¥2,024 million, while high-risk claims decreased by ¥2,689 million and claims requiring management decreased by ¥201 million.」
The amount and ratio of disclosed claims under the Financial Revitalization Law improved, while claims in bankruptcy and reorganisation and similar claims increased by ¥2,024 million. Credit risk indicators again moved differently by category. - FY2022-Q2Lower disclosed claims, higher coverage ratio, higher claims in bankruptcy and reorganisationAnnual report
「Disclosed claims under the Financial Revitalization Law decreased by ¥1,347 million from the end of the previous consolidated fiscal year to ¥50,397 million. The disclosed claims ratio fell 0.10 percentage points from the end of the previous consolidated fiscal year to 2.54%. By claim category, claims in bankruptcy and reorganisation and similar claims increased by ¥2,717 million, while high-risk claims decreased by ¥3,864 million and claims requiring management decreased by ¥201 million.」
The total amount and ratio of disclosed claims improved, and the coverage ratio also rose to 92.1%. However, claims in bankruptcy and reorganisation and similar claims increased by ¥2,717 million, resulting in mixed movements in credit risk indicators. - FY2022-Q1Lower disclosed claims, higher claims in bankruptcy and reorganisation and similar claimsAnnual report
「Disclosed claims under the Financial Revitalization Law decreased by ¥591 million from the end of the previous consolidated fiscal year to ¥51,152 million. The disclosed claims ratio fell 0.07 percentage points from the end of the previous consolidated fiscal year to 2.57%. By claim category, claims in bankruptcy and reorganisation and similar claims increased by ¥1,249 million, claims requiring management increased by ¥106 million, and high-risk claims decreased by ¥1,947 million.」
The amount and ratio of disclosed claims improved, while claims in bankruptcy and reorganisation and claims requiring management increased and high-risk claims decreased. Credit risk indicators moved differently by category. - FY2021WorsenedAnnual report
「Disclosed claims under the Financial Revitalization Law increased by ¥2,778 million from the end of the previous consolidated fiscal year to ¥51,744 million. The disclosed claims ratio rose 0.05 percentage points from the end of the previous consolidated fiscal year to 2.64%. By claim category, claims in bankruptcy and reorganisation and similar claims decreased by ¥630 million, claims requiring management decreased by ¥271 million, and high-risk claims increased by ¥3,680 million.」
Both the amount and ratio of disclosed claims under the Financial Revitalization Law rose from the end of the previous fiscal year, with high-risk claims increasing particularly sharply by ¥3,680 million. The coverage ratio rose to 91.5%, but consolidated credit-related expenses also increased to ¥3,576 million. - FY2021-Q3Higher disclosed claims, lower ratio, higher high-risk claimsAnnual report
「Disclosed claims under the Financial Revitalization Law increased by ¥569 million from the end of the previous consolidated fiscal year to ¥49,536 million. The disclosed claims ratio fell 0.03 percentage points from the end of the previous consolidated fiscal year to 2.56%.」
The amount of disclosed claims increased by ¥569 million from the end of the previous fiscal year, while the disclosed claims ratio fell to 2.56%. By category, high-risk claims increased by ¥1,119 million, while claims in bankruptcy and reorganisation and similar claims and claims requiring management decreased. - FY2021-Q2Higher disclosed claims, lower ratio, higher coverage ratioAnnual report
「Disclosed claims under the Financial Revitalization Law increased by ¥614 million from the end of the previous consolidated fiscal year to ¥49,580 million. The disclosed claims ratio fell 0.04 percentage points from the end of the previous consolidated fiscal year to 2.55%.」
The amount of disclosed claims increased by ¥614 million from the end of the previous fiscal year, while high-risk claims also increased by ¥950 million. Meanwhile, the disclosed claims ratio fell to 2.55%, and the coverage ratio rose 1.1 percentage points to 91.6%, resulting in mixed movements in credit risk indicators. - FY2021-Q1MitigatedAnnual report
「Disclosed claims under the Financial Revitalization Law decreased by ¥551 million from the end of the previous consolidated fiscal year to ¥48,415 million. The disclosed claims ratio fell 0.05 percentage points from the end of the previous consolidated fiscal year to 2.54%.」
Both disclosed claims under the Financial Revitalization Law and the disclosed claims ratio declined from the end of the previous fiscal year. Although claims in bankruptcy and reorganisation and similar claims increased, the overall position improved because of decreases in high-risk claims and claims requiring management. - FY2020WorsenedAnnual report
「Disclosed claims under the Financial Revitalization Law increased by ¥83 million from the end of the previous consolidated fiscal year to ¥48,966 million. The disclosed claims ratio rose 0.02 percentage points from the end of the previous consolidated fiscal year to 2.59%.」
Both the amount and ratio of disclosed claims rose from the end of the previous fiscal year. The coverage ratio rose to 90.5%, while consolidated credit-related expenses were a positive ¥1,791 million. - FY2020-Q3WorsenedAnnual report
「Disclosed claims under the Financial Revitalization Law increased by ¥312 million from the end of the previous consolidated fiscal year to ¥49,195 million. The disclosed claims ratio rose 0.04 percentage points from the end of the previous consolidated fiscal year to 2.61%.」
Disclosed claims under the Financial Revitalization Law increased by ¥312 million from the end of the previous fiscal year, and the disclosed claims ratio also rose from 2.57% to 2.61%. Consolidated credit-related expenses were a positive ¥1,003 million, and an allowance for loan losses was also recorded. - FY2020-Q2MitigatedAnnual report
「Loans disclosed under the Financial Reconstruction Act decreased by ¥592 million from the end of the previous fiscal year to ¥48,290 million. The disclosed-loan ratio remained at 2.57%, unchanged from the end of the previous fiscal year.」
The amount of disclosed claims decreased, while the ratio remained flat at 2.57%. The coverage ratio rose 0.8 percentage points from the end of the previous fiscal year to 89.3%. - FY2020-Q1MitigatedAnnual report
「Loans disclosed under the Financial Reconstruction Act decreased by ¥1,014 million from the end of the previous fiscal year to ¥47,868 million. The disclosed-loan ratio decreased by 0.02 percentage points to 2.55%.」
Both loans disclosed under the Financial Reconstruction Act and the disclosed-loan ratio declined from the end of the previous fiscal year, indicating an improvement in credit-risk indicators. - FY2019MitigatedAnnual report
「Loans disclosed under the Financial Reconstruction Act decreased by ¥8,020 million from the end of the previous fiscal year to ¥48,882 million. The disclosed-loan ratio decreased by 0.51 percentage points to 2.57%.」
Both disclosed loans and the disclosed-loan ratio declined from the end of the previous fiscal year, while the coverage ratio increased to 88.5%. - FY2019-Q3MitigatedAnnual report
「Loans disclosed under the Financial Reconstruction Act decreased by ¥8,022 million from the end of the previous fiscal year to ¥48,879 million. The disclosed-loan ratio decreased by 0.45 percentage points to 2.63%.」
Loans disclosed under the Financial Reconstruction Act decreased by ¥8,022 million from the end of the previous fiscal year, and the disclosed-loan ratio declined from 3.08% to 2.63%. Managed loans increased by ¥475 million, but overall credit-risk indicators improved. - FY2019-Q2MitigatedAnnual report
「Loans disclosed under the Financial Reconstruction Act decreased by ¥7,805 million from the end of the previous fiscal year to ¥49,097 million. The disclosed-loan ratio decreased by 0.44 percentage points to 2.64%.」
Loans disclosed under the Financial Reconstruction Act decreased by ¥7,805 million from the end of the fiscal year, and the disclosed-loan ratio declined from 3.08% to 2.64%. - FY2019-Q1MitigatedAnnual report
「Loans disclosed under the Financial Reconstruction Act decreased by ¥4,522 million from the end of the previous fiscal year to ¥52,380 million. The disclosed-loan ratio decreased by 0.24 percentage points to 2.84%.」
Loans disclosed under the Financial Reconstruction Act decreased by ¥4,522 million from the end of the fiscal year, and the disclosed-loan ratio declined by 0.24 percentage points, indicating an improvement in credit-risk indicators. - FY2018MitigatedAnnual report
「At 31 March 2018, the Bank's non-consolidated non-performing loans under the Financial Reconstruction Act totaled ¥54.5 billion, with a non-performing loan ratio of 2.99%. Sufficient allowances have been provided for the portions of individual loans expected to become uncollectible.」
Non-performing loans decreased from ¥59.6 billion at the end of the previous fiscal year to ¥54.5 billion, while the non-performing loan ratio declined from 3.38% to 2.99%. - FY2018-Q3MitigatedAnnual report
「Total ¥55,716 million ¥52,391 million Reversal gains on loan-loss allowances — million ¥1,136 million」
Total risk-monitored loans decreased from ¥55,716 million at the end of the previous fiscal year to ¥52,391 million, and reversal gains on loan-loss allowances of ¥1,136 million were recorded. - FY2018-Q2MitigatedAnnual report
「Total ¥55,716 million ¥49,934 million Reversal gains on loan-loss allowances — million ¥2,807 million」
Total risk-monitored loans decreased from ¥55,716 million at the end of the previous fiscal year to ¥49,934 million, and reversal gains on loan-loss allowances of ¥2,807 million were recorded. - FY2018-Q1MitigatedAnnual report
「Bankrupt borrowers' loans ¥2,531 million ¥3,079 million Delinquent loans ¥52,697 million ¥49,443 million Loans past due 3 months or more — million — million Restructured loans ¥487 million ¥381 million Total ¥55,716 million ¥52,904 million」
Total risk-monitored loans decreased from ¥55,716 million at the end of the previous fiscal year to ¥52,904 million. Reversal gains on loan-loss allowances also totaled ¥1,871 million. - FY2017Non-performing loan balance down; ratio and loan-loss provisions upAnnual report
「At 31 March 2017, the Bank's non-consolidated non-performing loans under the Financial Reconstruction Act totaled ¥59.6 billion, with a non-performing loan ratio of 3.38%.」
Non-performing loans decreased from ¥61.4 billion at the end of the previous fiscal year to ¥59.6 billion, while the non-performing loan ratio increased from 3.36% to 3.38%. Provisions for loan losses also increased from ¥577 million to ¥1,412 million. - FY2017-Q3WorsenedAnnual report
「Bankrupt borrowers' loans ¥2,615 million ¥2,695 million Delinquent loans ¥53,288 million ¥53,218 million Loans past due 3 months or more — million — million Restructured loans ¥1,858 million ¥490 million Total ¥57,763 million ¥56,405 million」
Total risk-monitored loans decreased from ¥57,763 million at the end of the previous fiscal year to ¥56,405 million, while increasing slightly from ¥56,385 million at the previous quarterly report. Provisions for loan losses also increased from ¥168 million to ¥611 million, indicating deterioration in credit costs. - FY2017-Q2WorsenedAnnual report
「Bankrupt borrowers' loans ¥2,832 million Delinquent loans ¥53,158 million Loans past due 3 months or more — million Restructured loans ¥393 million Total ¥56,385 million」
Total risk-monitored loans increased from ¥54,337 million at the previous quarterly report to ¥56,385 million. However, the total was lower than the ¥57,763 million recorded at 31 March 2016. - FY2017-Q1Decrease in risk-monitored loansAnnual report
「Bankrupt borrowers' loans ¥2,615 million ¥2,624 million Delinquent loans ¥53,288 million ¥51,318 million Loans past due 3 months or more — million — million Restructured loans ¥1,858 million ¥395 million Total ¥57,763 million ¥54,337 million」
Total risk-monitored loans decreased from ¥57,763 million at 31 March 2016 to ¥54,337 million at 30 June 2016. - FY2016First statedAnnual report
「At 31 March 2016, the Bank's non-consolidated non-performing loans under the Financial Reconstruction Act totaled ¥61.4 billion, with a non-performing loan ratio of 3.36%. Sufficient allowances have been provided for the portions of individual loans expected to become uncollectible. However, non-performing loans may increase due to developments in the global and Japanese economies, including recent global market turmoil and deterioration in the financial and economic environment, fluctuations in real estate and stock prices, deterioration in borrowers' business conditions, and misconduct or other problems that damage their credibility.」
After presenting current non-performing loan balances, the disclosure identifies increases in credit costs arising from the economic environment, real estate and stock prices, and borrowers' business conditions as risks.