Credit Risk Arising from Deterioration in Hokkaido’s Economy and Borrowers’ Business Conditions
First written in FY2016. 18 of 38 entries say "Mitigated", first in FY2017-Q1. Latest entry: 2026-08-05.
North Pacific Bank moved to the "Worse" side of this theme in 2021, 2 years before the typical company in this theme (2023).
The whole theme swung hardest in 2019: 6 of 15 companies on the "Worse" side.
9 other companies' latest entry also says "Mitigated".
- 2026-08-05MitigatedEarnings
「当該債権は、913億円と前年比15億円の減少となりました。」
2026年6月末の開示債権は前年同期比で15億円減少し、開示債権比率も1.13％から1.08％へ低下した。一方、危険債権は454億円から487億円へ増加している。 - FY2026Increase in disclosed loans; ratio improvedAnnual report
「The amount of claims at the end of the fiscal year under review, as defined by the Banking Act and the Act on Emergency Measures for the Revitalization of Financial Functions, was ¥93.4 billion. …The ratio of claims under the Banking Act and the Act on Emergency Measures for the Revitalization of Financial Functions to loans remains low.」
Disclosed claims increased from ¥92.2 billion to ¥93.4 billion, while the ratio to loans improved from 1.14% to 1.13%. Doubtful claims and claims requiring special management increased. - 2026-05-13WorsenedEarnings
「2026年３月末の銀行法及び金融機能の再生のための緊急措置に関する債権は、934億円と前年比11億円増加いたしました。」
開示債権合計は922億円から934億円へ増加し、危険債権も453億円から490億円へ増加した。一方、開示債権比率は1.14％から1.13％へ低下した。 - FY2026-H1Decrease in disclosed claims; increase in provision for loan lossesAnnual report
「Subtotal 92,270 million yen 91,193 million yen」
The subtotal of disclosed claims under the Banking Act and other relevant laws decreased from ¥92,270 million at the end of March 2025 to ¥91,193 million at the end of September 2025. Meanwhile, provision for loan losses increased from ¥599 million in the same six-month period of the previous year to ¥1,730 million. - FY2025MitigatedAnnual report
「Fiscal year ending March 2025 Claims under the Banking Act and the Act on Emergency Measures for the Revitalization of Financial Functions ¥92.2 billion Ratio to total credit extended 1.14%」
Disclosed claims decreased from ¥95.3 billion to ¥92.2 billion, while their ratio to total credit extended fell from 1.23% to 1.14%. Meanwhile, doubtful claims increased from ¥42.7 billion to ¥45.3 billion. - FY2025-H1Decrease in total disclosed claims; increase in doubtful claimsAnnual report
「Subtotal 95,354 million yen 94,109 million yen」
The subtotal of disclosed claims under the Banking Act and other relevant laws decreased from ¥95,354 million at the end of March 2024 to ¥94,109 million at the end of September 2024. Meanwhile, doubtful claims increased from ¥42,711 million to ¥46,863 million, while claims requiring special management decreased from ¥16,054 million to ¥10,609 million, indicating conflicting movements in the breakdown. - FY2024WorsenedAnnual report
「The amount of claims at the end of the fiscal year under review, as defined by the Banking Act and the Act on Emergency Measures for the Revitalization of Financial Functions (bankruptcy and reorganization claims and similar claims, doubtful claims, and claims requiring special management), was ¥95.3 billion.」
Disclosed claims increased from ¥86.5 billion to ¥95.3 billion, while their ratio to total credit extended rose from 1.09% to 1.23%. The increase in doubtful claims and loan-loss allowances is also noted, and credit risk continues to deteriorate. - FY2024-Q3WorsenedAnnual report
「Total amount 86,571 million yen 89,807 million yen」
Disclosed claims under the Banking Act and other relevant laws increased from ¥86,571 million at the end of March 2023 to ¥89,807 million at the end of December 2023. Doubtful claims also increased from ¥33,023 million to ¥35,439 million, while provision for loan losses increased from ¥3,121 million in the same period of the previous year to ¥4,307 million. - FY2024-Q2WorsenedAnnual report
「Subtotal 86,571 million yen 89,135 million yen」
Disclosed claims under the Banking Act and other relevant laws increased from ¥86,571 million at the end of March 2023 to ¥89,135 million at the end of September 2023. Doubtful claims stood at ¥38.6 billion, while claims requiring special management decreased to ¥14.1 billion. The deterioration in credit risk was reflected in the figures. - FY2024-Q1WorsenedAnnual report
「Total amount 86,571 million yen 87,458 million yen」
Disclosed claims under the Banking Act and other relevant laws increased from ¥86,571 million at the end of March 2023 to ¥87,458 million at the end of June 2023. Doubtful claims and restructured loans also increased, indicating a deterioration in the credit-risk figures. - FY2023WorsenedAnnual report
「Claims under the Banking Act and the Act on Emergency Measures for the Revitalization of Financial Functions ¥79.6 billion ¥86.5 billion Ratio to total credit extended 1.04% 1.09%」
Disclosed claims increased from ¥79.6 billion to ¥86.5 billion, while their ratio to total credit extended rose from 1.04% to 1.09%. Higher resource and material prices, economic conditions in Hokkaido, and the financial conditions of borrowers are cited as factors contributing to the deterioration. - FY2023-Q3WorsenedAnnual report
「Total amount 79,606 million yen 87,992 million yen」
Disclosed claims under the Banking Act and other relevant laws increased from ¥79,606 million at the end of March 2022 to ¥87,992 million at the end of December 2022. Restructured loans also increased from ¥13,716 million to ¥18,143 million, while provision for loan losses increased from ¥2,151 million in the same period of the previous year to ¥3,121 million. - FY2023-Q2WorsenedAnnual report
「Subtotal 79,606 million yen 85,453 million yen」
Disclosed claims under the Banking Act and other relevant laws increased from ¥79,606 million at the end of March 2022 to ¥85,453 million at the end of September 2022. All of bankruptcy and reorganization claims, doubtful claims, and claims requiring special management increased, indicating that the deterioration in credit risk was reflected in the figures. - FY2023-Q1WorsenedAnnual report
「Total amount 79,606 million yen」
Disclosed claims under the Banking Act and other relevant laws increased from ¥79,606 million at the end of March 2022 to ¥81,004 million at the end of June 2022. Provision for loan losses also increased from ¥222 million in the same period of the previous year to ¥1,571 million, indicating the impact of credit risk in the figures. - FY2022WorsenedAnnual report
「The amount of claims at the end of the fiscal year under review, as defined by the Banking Act and the Act on Emergency Measures for the Revitalization of Financial Functions, was ¥79.6 billion. …¥73.7 billion for the fiscal year ended March 2021, ¥79.6 billion for the fiscal year ended March 2022, and 0.96% and 1.04% of total credit extended, respectively.」
Disclosed claims increased from ¥73.7 billion to ¥79.6 billion, while their ratio to total credit extended rose from 0.96% to 1.04%. COVID-19, higher resource and material prices, economic conditions in Hokkaido, and the financial conditions of borrowers are cited as factors contributing to the deterioration. - FY2022-Q3WorsenedAnnual report
「Total amount ¥73,173 million ¥75,393 million」
Risk-monitored loans increased from ¥73,173 million at the end of March 2021 to ¥75,393 million at the end of December 2021. Although they decreased from ¥76,070 million at the end of the previous quarter, they increased compared with the fiscal year-end. - FY2022-Q2WorsenedAnnual report
「Total amount ¥73,173 million ¥76,070 million」
Risk-monitored loans increased from ¥73.173 billion at the end of March 2021 to ¥76.070 billion at the end of September 2021. They also increased from ¥73.938 billion in the same period of the previous year. - FY2022-Q1WorsenedAnnual report
「Total amount ¥73,173 million ¥73,342 million」
Risk-monitored loans increased slightly from ¥73.173 billion at the end of March 2021 to ¥73.342 billion at the end of June 2021. - FY2021-Q3Increase from the fiscal year-end; decrease from the end of the previous quarterAnnual report
「Total amount ¥71,565 million ¥72,654 million」
Risk-monitored loans increased from ¥71.565 billion at the end of March 2020 to ¥72.654 billion at the end of December 2020. However, they decreased from ¥73.938 billion at the end of the previous quarter, showing different trends depending on the comparison point. - FY2021-Q2WorsenedAnnual report
「Total amount ¥71,565 million ¥73,938 million」
Risk-monitored loans increased from ¥71.565 billion at the end of March 2020 to ¥73.938 billion at the end of September 2020, and also increased from ¥72.667 billion at the end of the previous quarter. - FY2021-Q1WorsenedAnnual report
「Total amount ¥71,565 million ¥72,667 million」
Risk-monitored loans increased from ¥71.565 billion at the end of March 2020 to ¥72.667 billion at the end of June 2020. Amid the impact of COVID-19, restructured loans also increased from ¥8.998 billion to ¥11.480 billion. - FY2020MitigatedAnnual report
「At the end of the consolidated fiscal year, the Group's risk-monitored loans totaled ¥71.5 billion. Over the past 3 years, risk-monitored loans have declined, as has their ratio to total loans.」
Risk-monitored loans decreased from ¥74.2 billion to ¥71.5 billion, and the ratio declined from 1.13% to 1.07%. Measures to contain non-performing loans through dialogue with customers, support for management improvement, and the provision of solutions were also described. - FY2020-Q3MitigatedAnnual report
「Total amount ¥74,251 million ¥70,704 million」
Risk-monitored loans decreased from ¥74.251 billion at the end of March 2019 to ¥70.704 billion at the end of December 2019. They also decreased from ¥76.772 billion in the same period of the previous year. - FY2020-Q2MitigatedAnnual report
「Total amount ¥74,251 million ¥69,871 million」
The total amount of loans to borrowers in legal bankruptcy, delinquent loans, and other such loans decreased from ¥74.251 billion at the end of March 2019 to ¥69.871 billion at the end of September 2019. - FY2020-Q1MitigatedAnnual report
「Total amount ¥74,251 million ¥73,962 million」
Risk-monitored loans decreased slightly from ¥74.251 billion at the end of March 2019 to ¥73.962 billion at the end of June 2019. Meanwhile, a loan-loss provision expense of ¥608 million was recorded in the first quarter. - FY2019MitigatedAnnual report
「At the end of March 2019, risk-monitored loans totaled ¥74.2 billion, a year-on-year decrease of ¥6.8 billion. The risk-monitored loan ratio, which represents risk-monitored loans as a percentage of total loans, improved by 0.16 percentage points year on year to 1.13%.」
Risk-monitored loans decreased from ¥81.0 billion to ¥74.2 billion, and the ratio declined from 1.29% to 1.13%. - FY2019-Q3MitigatedAnnual report
「Total amount ¥81,069 million ¥76,772 million」
Risk-monitored loans decreased from ¥81.069 billion at the end of March 2018 to ¥76.772 billion at the end of December 2018. A loan-loss provision expense of ¥711 million was recorded during the 9-month period ended December 2018. - FY2019-Q2MitigatedAnnual report
「Total amount ¥81,069 million ¥77,840 million」
The total amount of loans to borrowers in legal bankruptcy, delinquent loans, and other such loans decreased from ¥81.069 billion at the end of March 2018 to ¥77.840 billion at the end of September 2018. However, a loan-loss provision expense of ¥499 million was recorded during the interim period. - FY2019-Q1MitigatedAnnual report
「Total amount ¥81,069 million ¥76,871 million」
Risk-monitored loans decreased from ¥81.069 billion at the end of March 2018 to ¥76.871 billion at the end of June 2018. The balance indicating the credit risk of investees and borrowers continued to contract. - FY2018MitigatedAnnual report
「At the end of March 2018, risk-monitored loans totaled ¥81.0 billion, a year-on-year decrease of ¥8.3 billion. The risk-monitored loan ratio, which represents risk-monitored loans as a percentage of total loans, improved by 0.18 percentage points year on year to 1.29%.」
Risk-monitored loans decreased from ¥89.4 billion to ¥81.0 billion, and the ratio declined from 1.47% to 1.29%. - FY2018-Q3MitigatedAnnual report
「Loans to borrowers in legal bankruptcy ¥7,739 million Delinquent loans ¥66,580 million Loans delinquent for 3 months or more ¥93 million Restructured loans ¥10,541 million Total amount ¥84,954 million」
Risk-monitored loans decreased from ¥89.443 billion at the end of March 2017 and approximately ¥87.085 billion at the end of September 2017 to ¥84.954 billion at the end of December 2017. - FY2018-Q2MitigatedAnnual report
「Loans to borrowers in legal bankruptcy ¥7,144 million Delinquent loans ¥68,136 million Loans delinquent for 3 months or more ¥369 million Restructured loans ¥10,423 million」
The total of the 4 categories of problem loans was approximately ¥86.072 billion, down from ¥89.443 billion at the end of March 2017 and ¥87.085 billion at the end of June 2017. - FY2018-Q1MitigatedAnnual report
「Total amount ¥89,443 million ¥87,085 million」
Risk-monitored loans decreased from ¥89.443 billion at the end of March 2017 to ¥87.085 billion at the end of June 2017. - FY2017MitigatedAnnual report
「At the end of March 2017, risk-monitored loans totaled ¥89.4 billion, a year-on-year decrease of ¥21.3 billion. The risk-monitored loan ratio improved by 0.45 percentage points year on year to 1.47%.」
Risk-monitored loans decreased from ¥110.7 billion to ¥89.4 billion, and the ratio declined from 1.92% to 1.47%. - FY2017-Q3MitigatedAnnual report
「Total amount ¥110,778 million ¥98,662 million」
Risk-monitored loans decreased from ¥110.778 billion at the end of March 2016 to ¥98.662 billion at the end of December 2016. - FY2017-Q2MitigatedAnnual report
「Total amount ¥99,588 million」
The total amount of loans to borrowers in legal bankruptcy, delinquent loans, and other such loans decreased from ¥110,778 million at the end of March 2016 to ¥99,588 million at the end of September 2016. - FY2017-Q1MitigatedAnnual report
「Total amount ¥106,607 million」
Risk-monitored loans decreased from ¥110,778 million at the end of March 2016 to ¥106,607 million. - FY2016First statedAnnual report
「Depending on economic conditions in Hokkaido, the business conditions of borrowers, fluctuations in real estate prices and share prices, and other factors, the Bank's non-performing loans and loan-loss provisioning expenses may increase, adversely affecting its operating performance and financial condition.」
Risk-monitored loans totaled ¥110.7 billion, and the risk-monitored loan ratio was 1.92%. The balance of non-performing loans decreased by ¥18.1 billion year on year.