Outstanding Undrawn Loan Commitments and Credit Risk Mitigation Management
First written in FY2020-Q2. 2 of 13 entries say "Restated". Latest entry: FY2026.
The whole theme swung hardest in 2017: 4 of 10 companies on the "Worse" side.
9 other companies' latest entry also says "Mitigated".
- FY2026MitigatedAnnual report
「Undrawn loan commitments ¥363,653 million ¥357,721 million」
Undrawn loan commitments declined from the end of the previous fiscal year to ¥357,721 million, while credit risk protection measures, including provisions for refusing loans or reducing limits and monitoring customers’ business conditions, continued. - FY2026-H1Interim-period undrawn loan commitment updateAnnual report
「Undrawn loan commitments ¥363,653 million ¥363,022 million」
Undrawn loan commitments declined slightly from ¥363,653 million at the end of the previous fiscal year to ¥363,022 million at the end of the interim period. Credit risk protection measures, including provisions for refusing loans or reducing limits, requiring collateral and monitoring customers’ business conditions, continued. - FY2025-H1Interim-period decrease in undrawn loan commitmentsAnnual report
「Undrawn loan commitments ¥344,658 million ¥343,122 million」
Undrawn loan commitments declined from ¥344,658 million at the end of the previous fiscal year to ¥343,122 million at the end of the interim period. Credit risk protection measures, including provisions for refusing loans or reducing limits, requiring collateral, monitoring customers’ business conditions and reviewing contracts, continued. - FY2024WorsenedAnnual report
「Undrawn loan commitments ¥315,865 million ¥344,658 million」
Undrawn loan commitments increased from ¥315,865 million at the end of the previous fiscal year to ¥344,658 million. Credit risk protection measures, including provisions for refusing loans or reducing limits, requiring collateral and monitoring customers’ business conditions, continued. - FY2024-Q2Interim-period increase in undrawn loan commitmentsAnnual report
「Undrawn loan commitments ¥315,865 million ¥328,575 million」
Undrawn loan commitments increased from ¥315,865 million at the end of the previous fiscal year to ¥328,575 million at the end of the interim period. Credit risk protection measures, including provisions for refusing loans or reducing limits, requiring collateral, monitoring customers’ business conditions and reviewing contracts, continued. - FY2023-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.」
The Bank reconfirmed that there had been no material changes or new risks since the previous fiscal year’s disclosure concerning risks related to undrawn loan commitments and credit risk protection management. - FY2023-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.」
The Bank reconfirmed that there had been no material changes or new risks since the previous fiscal year’s disclosure concerning risks related to undrawn loan commitments and credit risk protection management. - FY2022Full-year undrawn loan commitment updateAnnual report
「Undrawn loan commitments ¥318,395 million ¥317,145 million」
Undrawn loan commitments declined from ¥318,395 million at the end of the previous fiscal year to ¥317,145 million. Credit risk protection measures, including provisions for refusing loans or reducing limits and monitoring customers’ business conditions, continued. - FY2022-Q2Interim-period undrawn loan commitment updateAnnual report
「Undrawn loan commitments ¥318,395 million ¥307,256 million」
Undrawn loan commitments declined from ¥318,395 million at the end of the previous fiscal year to ¥307,256 million at the end of the interim period. Credit risk protection measures, including provisions for refusing loans or reducing limits, requiring collateral and monitoring customers’ business conditions, continued to be disclosed. - FY2021Full-year undrawn loan commitment updateAnnual report
「Undrawn loan commitments ¥321,386 million ¥318,395 million」
Undrawn loan commitments declined from ¥321,386 million at the end of the previous fiscal year to ¥318,395 million. Credit risk protection measures, including provisions for refusing loans or reducing limits, requiring collateral and monitoring customers’ business conditions, continued. - FY2021-Q2Interim-period undrawn loan commitment updateAnnual report
「Undrawn loan commitments ¥321,386 million ¥319,121 million」
Undrawn loan commitments declined from ¥321,386 million at the end of the previous fiscal year to ¥319,121 million at the end of the interim period. Credit risk protection measures, including provisions for refusing loans or reducing limits, requiring collateral, monitoring customers’ business conditions and reviewing contracts, continued to be disclosed. - FY2021-Q1No first-quarter disclosure of undrawn loan commitmentsAnnual report
「The quarterly consolidated cash flow statement for the cumulative first quarter under review has not been prepared.」
As no new disclosure concerning undrawn loan commitments was identified in this filing, there was no substantive update from the existing balance and management policy. - FY2020-Q2First statedAnnual report
「Undrawn loan commitments ¥314,202 million ¥318,968 million Many of these contracts expire without loans being drawn, so the balance of undrawn loan commitments itself does not necessarily affect the future cash flows of the Bank or its consolidated subsidiaries. Many of these contracts contain provisions allowing the Bank and its consolidated subsidiaries to refuse loan drawdown requests or reduce the contracted loan limits when there are changes in financial conditions, a need to protect receivables or other reasonable grounds.」
Undrawn loan commitments increased from ¥314,202 million at the end of the previous fiscal year to ¥318,968 million at the end of the interim period. The disclosure also describes credit risk protection measures, including contractual provisions for refusing loans or reducing limits, requiring collateral, regularly monitoring customers’ business conditions and reviewing contracts.