Credit Concentration Risk in the Okinawa Prefectural Economy and Specific Industries
First written in FY2016. 16 of 32 entries say "Worsened", first in FY2018-Q2. Latest entry: FY2026.
Bank of The Ryukyus,Limited moved to the "Worse" side of this theme in 2018.
0 other companies' latest entry also says "Mitigated".
- FY2026MitigatedAnnual report
「The Bank's loan portfolio consists of housing loans and lending to the rental housing and real estate sectors, which account for approximately 60% of total loans, creating a risk profile that is susceptible to real estate market conditions and trends in the number of inbound visitors. In light of these risk characteristics, the Bank seeks to mitigate risk by regularly monitoring and analysing housing loans and lending to the rental housing and real estate sectors and reviewing its lending stance as necessary.」
The Bank reaffirmed its risk mitigation measures of maintaining a structure in which real estate-related lending accounts for approximately 60% of total loans, conducting regular monitoring and reviewing its lending stance. The proportion of loans to the real estate and goods rental sectors was 29.36%. - FY2026-H1MitigatedAnnual report
「Real estate and goods rental 575,960 30.26 591,510 29.41」
The proportion of loans to the real estate and goods rental sectors declined from 31.13% in the same period of the previous year to 29.41%, resulting in a decrease in credit concentration. - FY2025-H1MitigatedAnnual report
「Real estate and goods rental 563,381 31.13 575,960 30.26」
The proportion of loans to the real estate and goods rental sectors declined from 31.13% in the same period of the previous year to 30.26%. Although the loan balance increased, credit concentration in these sectors declined year on year. - FY2024MitigatedAnnual report
「Loans to the real estate and goods rental sectors account for approximately 60% of total loans, creating a risk profile that is susceptible to real estate market conditions and trends in the number of inbound visitors. In light of these risk characteristics, the Bank seeks to mitigate risk by regularly monitoring and analysing housing loans and lending to the rental housing and real estate sectors and reviewing its lending stance as necessary.」
The Bank continues to maintain a structure in which real estate-related lending accounts for approximately 60% of total loans, while identifying regular monitoring and reviews of its lending stance as risk mitigation measures. - FY2024-Q3MitigatedAnnual report
「Real estate and goods rental 569,341 31.41 566,558 30.79」
The proportion of loans to the real estate and goods rental sectors declined from 31.41% in the same period of the previous year to 30.79%, resulting in a decrease in credit concentration in these sectors. - FY2024-Q2MitigatedAnnual report
「Real estate and goods rental 570,974 31.58 563,381 31.13」
The proportion of loans to the real estate and goods rental sectors declined from 31.58% in the same period of the previous year to 31.13%, resulting in a decrease in credit concentration in these sectors. - FY2024-Q1WorsenedAnnual report
「Real estate and goods rental 568,367 31.59」
The proportion of loans to the real estate and goods rental sectors rose from 31.17% in the same period of the previous year to 31.59%, resulting in a slight increase in credit concentration in these sectors. - FY2023-Q3WorsenedAnnual report
「Real estate and goods rental 563,929 31.17 569,341 31.41」
The proportion of loans to the real estate and goods rental sectors rose from 31.17% in the same period of the previous year to 31.41%, resulting in a slight increase in credit concentration. - FY2023-Q1WorsenedAnnual report
「Real estate and goods rental 556,734 31.17 568,367 31.59」
The proportion of loans to the real estate and goods rental sectors rose from 31.17% in the same period of the previous year to 31.59%, resulting in a slight increase in credit concentration in these sectors. - FY2022WorsenedAnnual report
「Residential mortgages and loans to the rental housing and real estate industries account for more than 60% of our total loan portfolio. As a result, the portfolio has risk characteristics that make it susceptible to trends in real estate market conditions and the number of tourists entering Okinawa.」
The proportion of loans to the real estate and goods rental sectors rose to 31.89%, again highlighting the characteristic that housing loans and real estate-related lending account for more than 60% of total loans. - FY2022-Q3MitigatedAnnual report
「Real estate and goods rental 558,096 31.58 563,929 31.17」
The proportion of loans to the real estate and goods rental sectors declined from 31.58% in the same period of the previous year to 31.17%, resulting in a decrease in credit concentration in these sectors. - FY2022-Q2MitigatedAnnual report
「Real estate and goods rental 552,014 31.45 562,437 31.24」
The proportion of loans to the real estate and goods rental sectors declined from 31.45% in the same period of the previous year to 31.24%, resulting in a slight decrease in credit concentration in these sectors. - FY2022-Q1MitigatedAnnual report
「Real estate and goods leasing 550,142 31.82 556,734 31.17」
The proportion of loans to the real estate and goods leasing industries declined from 31.82% in the same period of the previous year to 31.17%. Although the balance increased, the concentration ratio measured by composition declined. - FY2021WorsenedAnnual report
「Residential mortgages and loans to the rental housing and real estate industries account for more than 60% of our total loan portfolio. As a result, the portfolio has risk characteristics that make it susceptible to trends in real estate market conditions and the number of tourists entering Okinawa.」
Newly clarified that residential mortgages and loans to the rental housing and real estate industries account for more than 60% of loans, resulting in portfolio characteristics that are susceptible to tourist numbers and real estate market conditions. - FY2021-Q3MitigatedAnnual report
「Real estate and goods leasing 548,046 32.05 558,096 31.58」
The proportion of loans to the real estate and goods leasing industries declined from 32.05% in the same period of the previous year to 31.58%. Although the loan balance increased, the degree of credit concentration in these industries declined year on year. - FY2021-Q2MitigatedAnnual report
「Real estate and goods leasing 549,679 32.38 552,014 31.45」
The proportion of loans to the real estate and goods leasing industries declined from 32.38% in the same period of the previous year to 31.45%. Although the loan balance itself increased, the proportion attributable to these industries declined year on year. - FY2021-Q1WorsenedAnnual report
「Real estate and goods leasing 536,721 31.74 550,142 31.82」
The proportion of loans to the real estate and goods leasing industries rose from 31.74% in the same period of the previous year to 31.82%, indicating a modest increase in credit concentration. - FY2020-Q3WorsenedAnnual report
「Real estate and goods leasing 516,973 31.45 548,046 32.05」
The proportion of loans to the real estate and goods leasing industries rose from 31.45% in the same period of the previous year to 32.05%, indicating increased credit concentration. - FY2020-Q2WorsenedAnnual report
「Real estate and goods leasing 511,677 31.40 549,679 32.38」
The proportion of loans to the real estate and goods leasing industries rose from 31.40% in the same period of the previous year to 32.38%, indicating a further increase in credit concentration. - FY2020-Q1WorsenedAnnual report
「Real estate and goods leasing 494,637 30.92 536,721 31.74」
The proportion of loans to the real estate and goods leasing industries rose from 30.92% in the same period of the previous year to 31.74%, indicating increased credit concentration. - FY2019WorsenedAnnual report
「Real estate and goods leasing 487,461 30.47 528,140 31.09」
The proportion of loans to the real estate and goods leasing industries rose from 30.47% in the previous fiscal year to 31.09%, indicating a further increase in credit concentration. - FY2019-Q3WorsenedAnnual report
「Real estate and goods leasing 474,499 30.60 516,973 31.45」
The proportion of loans to the real estate and goods leasing industries rose from 30.60% in the same period of the previous year to 31.45%, indicating increased credit concentration. - FY2019-Q2WorsenedAnnual report
「Real estate and goods leasing 472,919 30.92 511,677 31.40」
The proportion of loans to the real estate and goods leasing industries rose from 30.92% in the same period of the previous year to 31.40%, indicating increased credit concentration. - FY2019-Q1WorsenedAnnual report
「Real estate and goods leasing 445,631 29.57 494,637 30.92」
The proportion of loans to the real estate and goods leasing industries rose from 29.57% in the same period of the previous year to 30.92%, indicating increased credit concentration in these industries. - FY2018WorsenedAnnual report
「Real estate and goods leasing 436,240 28.87 487,461 30.47」
The proportion of loans to the real estate and goods leasing industries rose from 28.87% in the previous year to 30.47%, indicating increased credit concentration. - FY2018-Q3WorsenedAnnual report
「Real estate and goods leasing 419,044 28.19 474,499 30.60」
The proportion of loans to the real estate and goods leasing industries rose from 28.19% in the same period of the previous year to 30.60%, indicating increased year-on-year credit concentration in these industries. - FY2018-Q2WorsenedAnnual report
「Real estate and goods leasing 405,695 27.85 472,919 30.92」
In the breakdown of loans by industry, the proportion of loans to the real estate and goods leasing industries rose from 27.85% in the same period of the previous year to 30.92%, indicating a substantial increase in credit concentration in these industries. This corresponds to quantified = true and materialized = false. - FY2017RestatedAnnual report
「However, as Okinawa Prefecture is our primary operating base, a decline in the balance of loans due to trends in the prefecture's economy, or an increase in non-performing loans or credit-related expenses, could adversely affect the business performance and financial position of our banking group. In addition, as of the end of the current consolidated fiscal year, loans to the real estate, medical and welfare, construction and retail industries accounted for relatively high proportions of total loans. Changes in the business environment surrounding these industries could therefore lead to increases in non-performing loans and credit-related expenses, which could adversely affect the business performance and financial position of our banking group.」
Continues to identify concentration in the Okinawa economy and the high proportion of loans to the real estate, medical and welfare, construction and retail industries as credit risk factors. - FY2017-Q3RestatedAnnual report
「During the cumulative third quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
Reaffirmed comprehensively that there were no material changes or newly arising risks concerning credit concentration risk in the Okinawa economy and specific industries. - FY2017-Q2RestatedAnnual report
「During the cumulative second quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
Stated that there were no material changes or newly arising risks concerning credit concentration risk in the Okinawa economy and specific industries. - FY2017-Q1RestatedAnnual report
「During the cumulative first quarter under review, there were no material changes or newly arising risks from those described in the annual securities report for the previous fiscal year regarding business and other risks that could materially affect investors' decisions.」
Stated that there were no material changes or newly arising risks from the previous fiscal year, and that the credit concentration risk in the Okinawa economy and specific industries remained unchanged. - FY2016First statedAnnual report
「As Okinawa Prefecture is our primary operating base, a decline in the balance of loans due to trends in the prefecture's economy, or an increase in non-performing loans or credit-related expenses, could adversely affect the business performance and financial position of our banking group.」
Also identifies as risk factors the relatively high proportion of loans to the real estate, medical and welfare, construction, wholesale and retail industries.