Credit Exposure Concentration Risk in Specific Industries and Local Governments
First written in FY2016. 21 of 36 entries say "Worsened", first in FY2017-Q1. Latest entry: FY2026.
North Pacific Bank moved to the "Worse" side of this theme in 2016.
0 other companies' latest entry also says "Mitigated".
- FY2026MitigatedAnnual report
「Local governments, etc. 2,204,744 28.06 1,801,280 22.41」
The share of lending to local governments, etc. fell from 28.06% to 22.41%, while the balance decreased from ¥2,204.7 billion to ¥1,801.3 billion, substantially reducing credit concentration. - 2026-05-13MitigatedEarnings
「地方公共団体等向け貸出は前年比 599 億円減少（年率△2.7％）しました。」
地方公共団体等向け貸出の平残は減少し、末残も2兆2,334億円から1兆8,292億円へ減少した。 - FY2026-H1MitigatedAnnual report
「Local governments, etc. 2,511,510 32.78 2,136,201 26.20」
Lending to local governments, etc. decreased from ¥2,511.510 billion, or 32.78% of the total, in the same period of the previous interim year to ¥2,136.201 billion, or 26.20%, in the current interim period. - FY2025MitigatedAnnual report
「Local governments, etc. 2,576,186 33.44 2,279,430 30.44」
The balance of lending to local governments decreased from ¥2,576.2 billion to ¥2,279.4 billion, while its share of total lending fell from 33.44% to 30.44%, reducing credit concentration. - FY2025-H1MitigatedAnnual report
「Local governments, etc. 2,511,510 32.78 2,131,602 28.32」
Lending to local governments, etc. decreased from ¥2,511.510 billion, or 32.78% of the total, in the previous interim period to ¥2,131.602 billion, or 28.32%. Although concentration remained high, both the balance and the share declined. - FY2024MitigatedAnnual report
「Local governments, etc. 2,576,186 33.44 2,279,430 30.44」
The balance of lending to local governments, etc. decreased from ¥2,576.2 billion to ¥2,279.4 billion, while its share of total lending fell from 33.44% to 30.44%. Although the share remained high, concentration narrowed year on year. - FY2024-Q3MitigatedAnnual report
「Local governments, etc. 2,667,733 33.97 2,401,226 31.41」
Lending to local governments, etc. decreased from ¥2,667.733 billion, or 33.97% of the total, in the same period of the previous year to ¥2,401.226 billion, or 31.41%. Although concentration remained high, both the balance and the share declined year on year. - FY2024-Q2MitigatedAnnual report
「Local governments, etc. 2,627,611 34.26 2,511,510 32.78」
Lending to local governments, etc. decreased from ¥2,627.611 billion, or 34.26% of the total, in the same period of the previous year to ¥2,511.510 billion, or 32.78%. Although concentration remained high, both the balance and the share declined year on year. - FY2024-Q1WorsenedAnnual report
「Local governments, etc. 2,544,103 33.81 2,630,973 34.24」
Lending to local governments, etc. rose from 33.81% of the total in the same period of the previous year to 34.24% in the first quarter, while the balance increased from ¥2,544.103 billion to ¥2,630.973 billion. Credit concentration increased further. - FY2023WorsenedAnnual report
「Local governments, etc. 2,351,725 31.94 2,576,186 33.44」
The balance of lending to local governments, etc. increased from ¥2,351.7 billion to ¥2,576.2 billion, while its share of total lending rose from 31.94% to 33.44%, indicating greater concentration. - FY2023-Q3WorsenedAnnual report
「Local governments, etc. 2,345,474 31.59 2,667,733 33.97」
Lending to local governments, etc. increased from ¥2,345.474 billion, or 31.59% of the total, in the same period of the previous year to ¥2,667.733 billion, or 33.97%. Credit concentration increased in both the balance and the share of total lending. - FY2023-Q2WorsenedAnnual report
「Local governments, etc. 2,361,086 32.13 2,627,611 34.26」
The proportion of loans to local governments, etc. increased from 32.13% in the same period of the previous year to 34.26%, while the balance increased from ¥2,361.086 billion to ¥2,627.611 billion. Credit concentration increased further. - FY2023-Q1WorsenedAnnual report
「Local governments, etc. 2,441,835 32.97 2,544,103 33.81」
The proportion of loans to local governments, etc. increased from 32.97% in the same period of the previous year to 33.81% in the first quarter under review, while the balance increased from ¥2,441.835 billion to ¥2,544.103 billion. Credit concentration increased further. - FY2022MitigatedAnnual report
「Loans to local governments, etc. changed from ¥2,391,136 million, accounting for 32.46%, to ¥2,351,725 million, accounting for 31.94%.」
The balance and proportion of loans to local governments, etc. decreased from the previous fiscal year. Measures including reducing large-lot concentrations and diversifying into smaller exposures, industry-specific analysis, and portfolio management are continuing. - FY2022-Q3WorsenedAnnual report
「Local governments, etc. 2,281,942 31.48 2,345,474 31.59」
The proportion of loans to local governments, etc. increased from 31.48% in the same period of the previous year to 31.59%, while the balance increased from ¥2,281.942 billion to ¥2,345.474 billion. - FY2022-Q2WorsenedAnnual report
「Local governments, etc. 2,227,093 30.83 2,361,086 32.13」
The proportion of loans to local governments, etc. increased from 30.83% in the same period of the previous year to 32.13%, while the balance increased from ¥2,227.093 billion to ¥2,361.086 billion. Credit concentration increased further. - FY2022-Q1WorsenedAnnual report
「Local governments, etc. 2,177,334 32.12 2,441,835 32.97」
The proportion of loans to local governments, etc. increased from 32.12% in the same period of the previous year to 32.97%, while the balance increased from ¥2,177.334 billion to ¥2,441.835 billion. Credit concentration increased further. - FY2021-Q3WorsenedAnnual report
「Local governments, etc. 2,086,925 29.18 2,281,942 31.48」
The proportion of loans to local governments, etc. increased from 29.18% in the same period of the previous year to 31.48%, exceeding both the previous fiscal year-end’s 30.55% and the previous third quarter’s 31.06%. Credit concentration increased further. - FY2021-Q2WorsenedAnnual report
「Local governments, etc. 2,022,777 30.83 2,227,093 31.35」
The proportion of loans to local governments, etc. increased from 30.83% in the same period of the previous year to 31.35%, while the amount also increased from ¥2,022.777 billion to ¥2,227.093 billion. - FY2021-Q1MitigatedAnnual report
「Local governments, etc. 2,110,638 32.12 2,177,334 31.31」
The proportion of loans to local governments, etc. decreased from 32.12% in the same period of the previous year to 31.31%. Although the balance increased, its proportion of total loans declined. - FY2020-Q3WorsenedAnnual report
「Local governments, etc. 1,839,984 29.18 2,086,925 31.06」
The proportion of loans to local governments, etc. increased from 29.18% in the same period of the previous year to 31.06%, while the balance increased from ¥1,839.984 billion to ¥2,086.925 billion. Credit concentration risk is being further quantified. - FY2020-Q2WorsenedAnnual report
「Local governments, etc. 1,829,303 29.46 2,022,777 30.83」
The proportion of loans to local governments, etc. increased from 29.46% in the same period of the previous year to 30.83%. The high level of credit concentration was further quantified. - FY2020-Q1WorsenedAnnual report
「Local governments, etc. 1,901,223 30.66 2,110,638 32.12」
The proportion of loans to local governments, etc. increased from 30.66% in the same period of the previous year to 32.12% in the first quarter under review, further quantifying credit concentration. - FY2019WorsenedAnnual report
「Local governments, etc. 1,910,151 30.55 2,030,670 31.15」
The proportion of loans to local governments, etc. increased from 30.55% to 31.15%, further quantifying credit concentration risk. - FY2019-Q3MitigatedAnnual report
「Local governments, etc. 1,897,994 30.29 1,839,984 29.18」
The proportion of loans to local governments, etc. decreased from 30.29% in the same period of the previous year to 29.18%, and also declined from 29.46% at the end of September 2018. Although concentration remained high, both the amount and proportion decreased. - FY2019-Q2MitigatedAnnual report
「Local governments, etc. 1,875,805 30.38 1,829,303 29.46」
The proportion of loans to local governments, etc. decreased from 30.38% in the same period of the previous year and from 30.55% at the end of March 2018 to 29.46%. Although concentration remained high, both the amount and proportion decreased during the six-month period under review. - FY2019-Q1WorsenedAnnual report
「Local governments, etc. 1,883,599 30.92 1,901,223 30.66」
The proportion of loans to local governments, etc. increased from 30.55% at the end of March 2018 to 30.66%. Although the proportion decreased year on year, the concentration of total loans remained high. - FY2018WorsenedAnnual report
「Local governments, etc. 1,910,151 30.55」
The proportion of loans to local governments, etc. increased from 29.47% to 30.55%, further quantifying credit concentration. - FY2018-Q3RestatedAnnual report
「Local governments, etc. 1,703,890 28.47 1,897,994 30.29」
Loans to local governments, etc. amounted to ¥1,897.994 billion, accounting for 30.29%. While the proportion declined slightly from 30.38% in the previous quarter, the balance increased and the high level of concentration continued. - FY2018-Q2WorsenedAnnual report
「Local governments, etc. 1,694,134 28.51 1,875,805 30.38」
The proportion of loans to local governments, etc. increased from 28.51% in the same period of the previous year to 30.38%, and credit concentration risk continued to be quantified in terms of both amount and proportion. - FY2018-Q1WorsenedAnnual report
「Local governments, etc. 1,622,882 27.93 1,883,599 30.92」
Loans to local governments, etc. amounted to ¥1,883.599 billion, accounting for 30.92%, exceeding both the same period of the previous year’s 27.93% and the previous fiscal year-end’s 29.47%. Credit concentration has been further quantified. - FY2017WorsenedAnnual report
「Local governments, etc. 1,783,348 29.47」
The proportion of loans to local governments, etc. increased from 25.37% in the previous year to 29.47%, further quantifying the concentration risk in credit exposure. - FY2017-Q3RestatedAnnual report
「Local governments, etc. 1,416,007 24.99 1,703,890 28.47」
Loans to local governments, etc. amounted to ¥1,703.8 billion, accounting for 28.47%. The proportion increased from 24.99% in the same period of the previous year, and remained high at approximately the same level as the previous quarter’s 28.51%. - FY2017-Q2WorsenedAnnual report
「Local governments, etc. 1,694,134 28.51」
Loans to local governments, etc. amounted to ¥1,694.1 billion, accounting for 28.51%, up in both amount and proportion from ¥1,369.2 billion and 24.71%, respectively, in the same period of the previous year. - FY2017-Q1WorsenedAnnual report
「Local governments, etc. 1,622,882 27.93」
Loans to local governments, etc. amounted to ¥1,622.8 billion, accounting for 27.93%, up in both amount and proportion from ¥1,415.4 billion and 25.60%, respectively, in the same period of the previous year. - FY2016First statedAnnual report
「By industry, the proportions of loans to the wholesale and retail, real estate and goods rental, and local government sectors are relatively high. If changes occur in the business environment or other conditions affecting these sectors, they may adversely affect the Bank’s business results and financial condition.」
Measures cited include reducing large-lot concentrations and diversifying into smaller exposures, setting credit lines, and deliberation by the Lending Committee.