Responding to Deterioration in Borrowers’ Credit Quality and Non-Performing Loans
First written in FY2016. 19 of 37 entries say "Worsened", first in FY2017-Q3. Latest entry: 2026-08-05.
The Bank Of Saga moved to the "Worse" side of this theme in 2020, the same year as the typical company in this theme.
The whole theme swung hardest in 2020: 24 of 45 companies on the "Worse" side.
20 other companies' latest entry also says "Worsened".
- 2026-08-05WorsenedEarnings
「Total (A) 46,332」
Total non-performing loans on a Financial Reconstruction Act basis increased from ¥45.137 billion at the end of March 2026 to ¥46.332 billion at the end of June 2026. Meanwhile, the non-performing loan ratio declined from 1.87% to 1.86%. - FY2026MitigatedAnnual report
「The ratio of claims disclosed under the Financial Reconstruction Act to the Bank's total claims, known as the non-performing loan ratio, declined from 1.99% at the end of March 2025 to 1.87% at the end of March 2026.」
The non-performing loan ratio declined from 1.99% to 1.87%, and total risk-monitored loans decreased from ¥46,144 million to ¥45,659 million. Bankruptcy and reorganisation claims, however, increased. - FY2026-H1WorsenedAnnual report
「Amount of bankruptcy and reorganisation claims and equivalent claims ¥9,834 million ¥11,009 million Amount of doubtful claims ¥19,802 million ¥18,761 million Amount of restructured loans ¥16,507 million ¥16,543 million Total ¥46,144 million ¥46,314 million」
The total balance of risk-monitored loans increased from ¥46,144 million at the end of March 2025 to ¥46,314 million at the end of September 2025. Bankruptcy and reorganisation claims increased from ¥9,834 million to ¥11,009 million, and claims requiring management also increased slightly. - FY2025WorsenedAnnual report
「The ratio of claims disclosed under the Financial Reconstruction Act to the Bank's total claims, known as the non-performing loan ratio, rose from 1.94% at the end of March 2024 to 1.99% at the end of March 2025.」
The non-performing loan ratio rose from 1.94% to 1.99%. Total risk-monitored loans also increased from ¥43,864 million to ¥46,144 million, and restructured loans increased from ¥13,666 million to ¥16,507 million. - FY2025-H1MitigatedAnnual report
「Total ¥43,864 million ¥42,264 million」
The total balance of risk-monitored loans decreased from ¥43,864 million at the end of March 2024 to ¥42,264 million at the end of September 2024. Based on asset assessments, bankruptcy and reorganisation claims decreased from ¥11,400 million to ¥9,300 million, and doubtful claims from ¥23,300 million to ¥19,500 million. - FY2024MitigatedAnnual report
「The ratio of claims disclosed under the Financial Reconstruction Act to the Bank's total claims, known as the non-performing loan ratio, declined from 2.05% at the end of March 2023 to 1.94% at the end of March 2024.」
The non-performing loan ratio declined from 2.05% to 1.94%, and total risk-monitored loans decreased from ¥46,035 million to ¥43,864 million. - FY2024-Q3WorsenedAnnual report
「Total ¥46,035 million ¥47,681 million」
The total balance of risk-monitored loans increased from ¥46,035 million at the end of March 2023 to ¥47,681 million at the end of December 2023. Bankruptcy and reorganisation claims and restructured loans increased. - FY2024-Q2WorsenedAnnual report
「Total ¥46,035 million ¥46,889 million」
The total balance of risk-monitored loans increased from ¥46,035 million at the end of March 2023 to ¥46,889 million at the end of September 2023. Bankruptcy and reorganisation claims and restructured loans, among others, also increased. - FY2024-Q1WorsenedAnnual report
「Total ¥46,035 million ¥47,793 million」
The total balance of risk-monitored loans increased from ¥46,035 million at the end of March 2023 to ¥47,793 million at the end of June 2023. Bankruptcy and reorganisation claims, doubtful claims and restructured loans all increased, and provision for loan losses of ¥631 million was also recorded. - FY2023WorsenedAnnual report
「The ratio of claims disclosed under the Financial Reconstruction Act to the Bank's total claims, known as the non-performing loan ratio, rose from 2.04% at the end of March 2022 to 2.05% at the end of March 2023.」
The non-performing loan ratio rose from 2.04% to 2.05%, and total risk-monitored loans increased from ¥45,008 million to ¥46,035 million. - FY2023-Q3MitigatedAnnual report
「Total ¥45,008 million ¥44,527 million」
The total balance of risk-monitored loans decreased from ¥45,008 million at the end of the previous consolidated fiscal year to ¥44,527 million at the end of the third quarter. - FY2023-Q2MitigatedAnnual report
「Total ¥45,008 million ¥43,750 million」
The total balance of risk-monitored loans decreased from ¥45,008 million at the end of March 2022 to ¥43,750 million at the end of September 2022. Bankruptcy and reorganisation claims and claims requiring management decreased, while doubtful claims increased from ¥20,600 million to ¥22,700 million. - FY2023-Q1MitigatedAnnual report
「Total ¥45,008 million ¥44,128 million」
The total balance of risk-monitored loans decreased from ¥45,008 million at the end of March 2022 to ¥44,128 million at the end of June 2022. The allowance for loan losses also shifted from a provision in the same period of the previous year to a reversal, and a ¥50 million reversal of allowance for loan losses was recorded in the first quarter. - FY2022Lower non-performing loan ratio, higher risk-monitored loansAnnual report
「The ratio of claims disclosed under the Financial Reconstruction Act to the Bank's total claims, known as the non-performing loan ratio, declined from 2.09% at the end of March 2021 to 2.04% at the end of March 2022.」
The non-performing loan ratio declined from 2.09% to 2.04%, while total risk-monitored loans increased from ¥43,534 million to ¥45,008 million, and provision for loan losses was ¥3,330 million. - FY2022-Q3WorsenedAnnual report
「Total ¥42,967 million ¥44,382 million」
The total balance of risk-monitored loans increased from ¥42,967 million at the end of March 2021 to ¥44,382 million at the end of December 2021. Claims against borrowers in default, past-due claims and restructured loans all increased. - FY2022-Q2WorsenedAnnual report
「Total ¥42,967 million ¥43,281 million」
The total balance of risk-monitored loans increased from ¥42,967 million at the end of March 2021 to ¥43,281 million at the end of September 2021. Bankruptcy and reorganisation claims and claims requiring management increased, and provision for loan losses was ¥2,286 million. - FY2022-Q1MitigatedAnnual report
「Total ¥42,967 million ¥42,763 million」
The total balance of risk-monitored loans decreased from ¥42,967 million at the end of March 2021 to ¥42,763 million at the end of June 2021. - FY2021WorsenedAnnual report
「The ratio of claims disclosed under the Financial Reconstruction Act to the Bank's total claims, known as the non-performing loan ratio, rose from 2.06% at the end of March 2020 to 2.09% at the end of March 2021.」
The non-performing loan ratio rose from 2.06% to 2.09%, while total risk-monitored loans increased from ¥36,883 million to ¥42,967 million. Provision for loan losses of ¥2,418 million was also recorded. - FY2021-Q3WorsenedAnnual report
「Total ¥36,883 million ¥40,756 million」
The total balance of risk-monitored loans increased from ¥36,883 million at the end of March 2020 to ¥40,756 million at the end of December 2020. While claims against borrowers in default and past-due claims increased, restructured loans decreased. - FY2021-Q2WorsenedAnnual report
「Total ¥36,883 million ¥40,871 million」
The total balance of risk-monitored loans increased from ¥36,883 million at the end of March 2020 to ¥40,871 million at the end of September 2020. Bankruptcy and reorganisation claims increased from ¥9,500 million to ¥10,000 million, doubtful claims from ¥19,600 million to ¥21,700 million, and claims requiring management from ¥8,700 million to ¥9,200 million. - FY2021-Q1WorsenedAnnual report
「Total ¥36,883 million ¥37,659 million」
Total risk-monitored loans increased from ¥3,688.3 million at the end of March 2020 to ¥3,765.9 million at the end of June 2020. Delinquent claims and claims against bankrupt borrowers increased, while restructured loans decreased. - FY2020MitigatedAnnual report
「The ratio of claims disclosed under the Financial Reconstruction Act to the Bank's total claims, commonly known as the non-performing loan ratio, decreased from 2.15% at the end of March 2019 to 2.06% at the end of March 2020.」
The non-performing loan ratio declined from 2.15% to 2.06%, and total risk-monitored loans also decreased from ¥3,752.2 million to ¥3,688.3 million. Meanwhile, restructured loans increased. - FY2020-Q3WorsenedAnnual report
「Total ¥37,522 million ¥38,600 million」
Total risk-monitored loans increased from ¥3,752.2 million at the end of March 2019 to ¥3,860 million at the end of December 2019. Claims against bankrupt borrowers, delinquent claims and restructured loans all increased. - FY2020-Q2WorsenedAnnual report
「Total ¥37,522 million ¥37,806 million」
Total risk-monitored loans increased by ¥284 million from ¥3,752.2 million at the end of March 2019 to ¥3,780.6 million at the end of September 2019. Bankruptcy and reorganization claims, doubtful claims and substandard claims all increased. - FY2020-Q1MitigatedAnnual report
「Total ¥37,522 million ¥37,179 million」
Total risk-monitored loans decreased by ¥343 million from ¥3,752.2 million at the end of March 2019 to ¥3,717.9 million at the end of June 2019. Meanwhile, a provision for loan losses of ¥223 million was recorded. - FY2019-Q3WorsenedAnnual report
「Total ¥32,376 million ¥36,128 million Provision for loan losses — million ¥2,388 million」
Total risk-monitored loans increased from ¥3,237.6 million at the end of the previous consolidated fiscal year to ¥3,612.8 million. Claims against bankrupt borrowers, delinquent claims and restructured loans all increased, and a provision for loan losses of ¥2,388 million was recorded. - FY2019-Q2WorsenedAnnual report
「Total ¥32,376 million ¥34,853 million」
Total risk-monitored loans increased from ¥3,237.6 million at the end of March 2018 to ¥3,485.3 million at the end of September 2018. Bankruptcy and reorganization claims and similar claims, as well as substandard claims, increased, and a provision for loan losses of ¥1,676 million was recorded. - FY2019-Q1WorsenedAnnual report
「Total ¥32,376 million ¥33,007 million」
Total risk-monitored loans increased from ¥3,237.6 million at the end of the previous consolidated fiscal year to ¥3,300.7 million. The provision for loan losses, which was not recorded in the same period of the previous year, amounted to ¥240 million. - FY2018MitigatedAnnual report
「The ratio of claims disclosed under the Financial Reconstruction Act to the Bank's total claims, commonly known as the non-performing loan ratio, decreased from 2.46% at the end of March 2017 to 2.12% at the end of March 2018.」
The non-performing loan ratio declined from 2.46% to 2.12%, and total risk-monitored loans also decreased from ¥3,507.7 million to ¥3,237.6 million. Meanwhile, restructured loans increased. - FY2018-Q3MitigatedAnnual report
「Total ¥35,077 million ¥32,564 million」
Total risk-monitored loans decreased from ¥3,507.7 million at the end of the previous fiscal year to ¥3,256.4 million. Delinquent claims decreased from ¥2,711.7 million to ¥2,409.7 million, while restructured loans increased from ¥611.2 million to ¥627.7 million. - FY2018-Q2MitigatedAnnual report
「Total ¥35,077 million ¥32,901 million」
Total risk-monitored loans decreased from ¥3,507.7 million at the end of the previous fiscal year to ¥3,290.1 million. Bankruptcy and reorganization claims decreased from ¥900 million to ¥800 million and doubtful claims from ¥2,230 million to ¥1,850 million, while substandard claims increased from ¥520 million to ¥650 million. - FY2018-Q1MitigatedAnnual report
「Total ¥35,077 million ¥33,806 million」
Total risk-monitored loans decreased from ¥3,507.7 million at the end of the previous fiscal year to ¥3,380.6 million. Reversal gains on the allowance for loan losses also increased from ¥323 million in the same period of the previous year to ¥1,378 million. - FY2017MitigatedAnnual report
「The ratio of non-performing loans (claims disclosed under the Financial Reconstruction Act) decreased from 2.54% at the end of March 2016 to 2.46% at the end of March 2017.」
The non-performing loan ratio declined, and total risk-monitored loans also decreased from ¥3,548.6 million to ¥3,507.7 million. Meanwhile, doubtful claims and restructured loans increased. - FY2017-Q3WorsenedAnnual report
「Bankrupt borrowers' claims ¥2,316 million Delinquent claims ¥27,898 million Claims delinquent for 3 months or more — million Restructured loans ¥5,450 million Total ¥35,665 million」
Total risk-monitored loans increased by ¥179 million, from ¥35,486 million at the end of the previous consolidated fiscal year to ¥35,665 million. Restructured loans also increased from ¥4,676 million to ¥5,450 million, while the provision for loan losses decreased from ¥704 million in the same period of the previous year to ¥33 million. - FY2016First statedAnnual report
「However, if counterparties' financial conditions deteriorate or collateral prices decline, additional provisions may be required, which could affect the Bank's results.」
The non-performing loan ratio declined from 2.81% to 2.54%, while the company disclosed ¥11.7 billion in bankruptcy and reorganization claims, ¥19.9 billion in doubtful claims, and ¥4.6 billion in substandard claims.