Risk of Higher Non-Performing Loans and Credit-Related Expenses
First written in FY2016. 22 of 39 entries say "Worsened", first in FY2019-Q1. Latest entry: 2026-11-09.
Tomato Bank moved to the "Worse" side of this theme in 2019, 1 year before the typical company in this theme (2020).
The whole theme swung hardest in 2020: 29 of 53 companies on the "Worse" side.
6 other companies' latest entry also says "Other".
- 2026-11-09OtherResults
「連結経常費用は、預金利息や与信関連費用等の増加により、前年同期比1,943百万円増加の13,986百万円となりました。」
リスク管理債権の合計額は2026年3月末の341億10百万円から2026年9月末の333億40百万円へ減少した一方、与信関連費用は増加し、連結貸倒引当金は49億79百万円から60億28百万円へ増加した。 - FY2026WorsenedAnnual report
「In the consolidated fiscal year under review, the total increased by ¥2,375 million from the previous fiscal year as bankruptcy and rehabilitation claims and doubtful claims increased, despite a decrease in restructured loans.」
Risk-monitored loans increased from ¥3,173.4 billion to ¥3,411.0 billion, an increase of ¥2.375 billion. Doubtful claims increased from ¥2,046.8 billion to ¥2,282.3 billion, and the allowance for loan losses reached ¥4.979 billion. Quantified credit risk deteriorated, but this does not indicate that loan defaults themselves occurred. - 2026-05-13WorsenedResults
「リスク管理債権の合計は34,110百万円となり、2025年３月末比2,375百万円増加しました。」
リスク管理債権は前年度末の317億34百万円から341億10百万円へ増加し、危険債権も増加した。 - FY2026-H1WorsenedAnnual report
「Amount of bankruptcy and rehabilitation claims and similar claims ¥7,021 million ¥6,952 million Amount of doubtful claims ¥20,468 million ¥20,213 million Amount of claims past due for 3 months or more —¥ million —¥ million Amount of restructured loans ¥4,244 million ¥4,742 million Total ¥31,734 million ¥31,908 million」
Total risk-monitored loans increased from ¥3,173.4 billion at the end of the previous fiscal year to ¥3,190.8 billion. Bankruptcy and rehabilitation claims and doubtful claims decreased, while restructured loans increased. - FY2025Decrease in risk-monitored loans and increase in credit-related expensesAnnual report
「In the consolidated fiscal year under review, the total decreased by ¥1,064 million from the previous fiscal year as doubtful claims and restructured loans decreased, despite an increase in bankruptcy and rehabilitation claims.」
Risk-monitored loans decreased from ¥3,279.9 billion to ¥3,173.4 billion. Meanwhile, the provision for loan write-offs increased from ¥993 million to ¥1,299 million, and loan write-offs increased from ¥97 million to ¥512 million. An increase in credit-related expenses was also disclosed. - FY2025-H1Decrease in risk-monitored loans and increase in non-performing loan disposal costsAnnual report
「Amount of bankruptcy and rehabilitation claims and similar claims 6,779 ¥ million 6,769 ¥ million Amount of doubtful claims 20,878 ¥ million 20,364 ¥ million Amount of restructured loans 5,142 ¥ million 4,312 ¥ million Total 32,799 ¥ million 31,446 ¥ million」
Total risk-monitored loans decreased from ¥32,799 million at the end of March 2024 to ¥31,446 million at the end of September 2024. Meanwhile, consolidated ordinary expenses increased due in part to higher non-performing loan disposal costs, with the provision for loan losses at ¥547 million and loan write-offs at ¥469 million. - FY2024WorsenedAnnual report
「In the consolidated fiscal year under review, the total increased by ¥2,977 million from the previous fiscal year as bankruptcy and rehabilitation claims, doubtful claims and restructured loans all increased.」
Risk-monitored loans increased from ¥29,822 million in the previous fiscal year to ¥32,799 million, an increase of ¥2,977 million. The allowance for loan losses also reached ¥5 billion, and the provision for loan write-offs increased from ¥364 million in the previous fiscal year to ¥1,029 million. - FY2024-Q3WorsenedAnnual report
「Amount of bankruptcy and rehabilitation claims and similar claims 5,044 ¥ million 5,706 ¥ million Amount of doubtful claims 20,290 ¥ million 21,921 ¥ million Amount of claims past due for 3 months or more — ¥ million — ¥ million Amount of restructured loans 4,487 ¥ million 4,397 ¥ million Total 29,822 ¥ million 32,025 ¥ million」
Total risk-monitored loans increased by ¥2,203 million, from ¥29,822 million at the end of March 2023 to ¥32,025 million at the end of December 2023. Doubtful claims increased, and the provision for loan losses also rose from ¥21 million in the same period of the previous year to ¥297 million. - FY2024-Q2WorsenedAnnual report
「Amount of bankruptcy and rehabilitation claims and similar claims 5,044 ¥ million 6,260 ¥ million Amount of doubtful claims 20,290 ¥ million 20,627 ¥ million Amount of claims past due for 3 months or more — ¥ million — ¥ million Amount of restructured loans 4,487 ¥ million 4,353 ¥ million Total 29,822 ¥ million 31,241 ¥ million」
Total risk-monitored loans increased by ¥1,419 million, from ¥29,822 million at the end of March 2023 to ¥31,241 million at the end of September 2023. Bankruptcy and rehabilitation claims and doubtful claims increased, and higher non-performing loan disposal costs were also cited as a factor reducing consolidated ordinary profit. - FY2024-Q1WorsenedAnnual report
「Loans in legal bankruptcy or rehabilitation and similar loans ¥5,044 million ¥6,078 million Loans requiring caution ¥20,290 million ¥19,775 million Loans past due for 3 months or more — — Restructured loans ¥4,487 million ¥4,719 million Total ¥29,822 million ¥30,573 million」
Total risk-monitored loans increased by ¥751 million from ¥29,822 million as of 31 March 2023 to ¥30,573 million as of 30 June 2023. Loans in legal bankruptcy or rehabilitation and restructured loans increased, and provision for loan losses also increased from ¥18 million in the same period of the previous year to ¥123 million. - FY2023WorsenedAnnual report
「In the consolidated fiscal year under review, total risk-monitored loans increased by ¥4,693 million year on year as loans in legal bankruptcy or rehabilitation and loans requiring caution increased.」
Risk-monitored loans increased from ¥25.128 billion in the previous fiscal year to ¥29.822 billion. Loans in legal bankruptcy or rehabilitation and loans requiring caution increased. - FY2023-Q3WorsenedAnnual report
「Loans in legal bankruptcy or rehabilitation and similar loans ¥3,774 million ¥3,555 million Loans requiring caution ¥16,838 million ¥20,178 million Loans past due for 3 months or more — ¥0 million Restructured loans ¥4,514 million ¥4,073 million Total ¥25,128 million ¥27,806 million」
Total risk-monitored loans increased by ¥2,678 million from ¥25,128 million as of 31 March 2022 to ¥27,806 million as of 31 December 2022. In particular, loans requiring caution increased from ¥16,838 million to ¥20,178 million. quantified is determined to be true, and materialized false. - FY2023-Q2WorsenedAnnual report
「Loans in legal bankruptcy or rehabilitation and similar loans ¥3,774 million ¥3,850 million Loans requiring caution ¥16,838 million ¥19,964 million Loans past due for 3 months or more — — Restructured loans ¥4,514 million ¥3,206 million Total ¥25,128 million ¥27,021 million」
Total risk-monitored loans increased from ¥25,128 million as of 31 March 2022 to ¥27,021 million as of 30 September 2022. In particular, loans requiring caution increased from ¥16,838 million to ¥19,964 million. quantified is determined to be true, and materialized false. - FY2023-Q1WorsenedAnnual report
「Loans in legal bankruptcy or rehabilitation and similar loans ¥3,774 million ¥3,647 million Loans requiring caution ¥16,838 million ¥17,753 million Loans past due for 3 months or more — — Restructured loans ¥4,514 million ¥4,079 million Total ¥25,128 million ¥25,480 million」
Total risk-monitored loans increased by ¥352 million from ¥25,128 million as of 31 March 2022 to ¥25,480 million as of 30 June 2022. Loans requiring caution increased, while restructured loans decreased. This does not indicate that loan losses themselves occurred. For internal quantitative changes, quantified is determined to be true and materialized false. - FY2022WorsenedAnnual report
「In the consolidated fiscal year under review, total risk-monitored loans increased by ¥2,029 million year on year as loans in legal bankruptcy or rehabilitation, loans requiring caution, and restructured loans increased.」
Risk-monitored loans increased from ¥23,098 million in the previous fiscal year to ¥25,128 million. Increases in loans requiring caution and restructured loans contributed to the deterioration in quantitative credit-risk metrics. - FY2022-Q3WorsenedAnnual report
「Loans to borrowers in legal bankruptcy ¥873 million ¥881 million Loans past due ¥18,860 million ¥19,792 million Loans past due for 3 months or more — — Restructured loans ¥3,307 million ¥4,606 million Total ¥23,041 million ¥25,280 million」
Total risk-monitored loans increased by ¥2,239 million from ¥23,041 million at the end of the previous consolidated fiscal year to ¥25,280 million. Loans past due and restructured loans also increased. - FY2022-Q2WorsenedAnnual report
「Total ¥23,041 million ¥24,736 million」
Total risk-monitored loans increased by ¥1,695 million, from ¥23,041 million as of 31 March 2021 to ¥24,736 million as of 30 September 2021. Loans requiring caution increased from ¥15.4 billion to ¥16.4 billion, and loans requiring management increased from ¥3.5 billion to ¥4.7 billion, indicating deterioration in quantitative credit-risk metrics. This does not indicate that loan losses themselves occurred. - FY2022-Q1MitigatedAnnual report
「Loans to borrowers in legal bankruptcy ¥873 million ¥839 million Loans past due ¥18,860 million ¥18,668 million Loans past due for 3 months or more — — Restructured loans ¥3,307 million ¥3,342 million Total ¥23,041 million ¥22,850 million」
Total risk-monitored loans decreased by ¥191 million from ¥23,041 million at the end of the previous consolidated fiscal year to ¥22,850 million. Although restructured loans increased, the total decreased. - FY2021WorsenedAnnual report
「In the consolidated fiscal year under review, although loans to borrowers in legal bankruptcy decreased, total risk-monitored loans increased by ¥1,925 million year on year as loans past due and restructured loans increased.」
Risk-monitored loans increased from ¥21.116 billion to ¥23.041 billion. The allowance for loan losses also reached ¥5.0 billion in the fiscal year ended March 2021, expanding the quantitative disclosure of credit risk. This does not indicate that loan losses themselves occurred. - FY2021-Q3WorsenedAnnual report
「Loans to borrowers in legal bankruptcy ¥986 million ¥954 million Loans past due ¥16,983 million ¥17,696 million Loans past due for 3 months or more — — Restructured loans ¥3,147 million ¥3,621 million Total ¥21,116 million ¥22,272 million」
Total risk-monitored loans increased from ¥21,116 million at the end of the previous consolidated fiscal year to ¥22,272 million. Loans past due and restructured loans also increased. Although these risks have been quantified, the disclosure does not indicate that loan losses themselves have materialized. quantified is determined to be true, and materialized false. - FY2021-Q2WorsenedAnnual report
「The total amounts of loans to borrowers in legal bankruptcy, past-due loans, loans past due for 3 months or more, and restructured loans are as follows.」
Total risk-monitored loans increased from ¥21,116 million at the end of the previous consolidated fiscal year to ¥22,181 million. Loans requiring caution increased from ¥14.4 billion to ¥15.4 billion, and loans requiring management increased from ¥3.2 billion to ¥3.5 billion. - FY2021-Q1Slight decrease in risk-monitored loans; increase in restructured loansAnnual report
「Loans to borrowers in legal bankruptcy ¥986 million ¥1,009 million Loans past due ¥16,983 million ¥16,553 million Loans past due for 3 months or more — ¥0 million Restructured loans ¥3,147 million ¥3,529 million Total ¥21,116 million ¥21,092 million」
Total risk-monitored loans decreased slightly from ¥21,116 million at the end of the previous consolidated fiscal year to ¥21,092 million, while restructured loans increased from ¥3,147 million to ¥3,529 million. - FY2020WorsenedAnnual report
「However, changes in future economic conditions, natural disasters, the financial condition of borrowers, or the discovery of window-dressing may cause actual loan losses to exceed the estimated allowance for loan losses, potentially increasing non-performing loans and the Company’s credit-related expenses. (Allowance for loan losses: ¥4.8 billion for the fiscal year ended March 2020)」
The Company disclosed an allowance for loan losses of ¥4.8 billion and explicitly stated the impact of the COVID-19 pandemic on credit risk and the possibility that loan losses and credit-related expenses could exceed estimates. Total risk-monitored loans decreased, while restructured loans increased. - FY2020-Q3Decrease in risk-monitored loans; increase in restructured loans and provision for loan lossesAnnual report
「Restructured loans ¥2,504 million ¥3,228 million Total ¥21,987 million ¥21,089 million Provision for loan losses ¥202 million ¥428 million」
Total risk-monitored loans decreased from ¥21,987 million as of 31 March 2019 to ¥21,089 million. Meanwhile, restructured loans increased, and provision for loan losses also increased from ¥202 million in the same period of the previous year to ¥428 million, indicating continued deterioration in individual items. - FY2020-Q2Decrease in total risk-monitored loans; increase in provision for loan lossesAnnual report
「Total ¥21,987 million ¥21,194 million」
Total risk-monitored loans decreased by ¥793 million from 31 March 2019. Meanwhile, restructured loans increased from ¥2,504 million to ¥3,178 million, and provision for loan losses increased from ¥151 million in the same period of the previous year to ¥382 million, indicating deterioration in individual items. - FY2020-Q1WorsenedAnnual report
「Total ¥21,987 million ¥22,307 million」
Total risk-monitored loans increased by ¥320 million, from ¥21,987 million as of 31 March 2019 to ¥22,307 million as of 30 June 2019. Restructured loans also increased from ¥2,504 million to ¥3,547 million. - FY2019WorsenedAnnual report
「In the consolidated fiscal year under review, all of loans to borrowers in legal bankruptcy, loans past due, loans past due for 3 months or more, and restructured loans increased, resulting in an increase of ¥1,517 million year on year.」
Consolidated risk-monitored loans increased from ¥20,469 million to ¥21,987 million, and the ratio of loans disclosed under the Financial Reconstruction Act increased from 2.06% to 2.18%. - FY2019-Q3WorsenedAnnual report
「Total ¥20,469 million ¥21,015 million」
Total risk-monitored loans increased by ¥546 million, from ¥20,469 million as of 31 March 2018 to ¥21,015 million as of 31 December 2018. Provision for loan losses was ¥202 million in the nine months ended 31 December of the fiscal year under review, compared with none in the same period of the previous year. - FY2019-Q2Increase in provision for loan losses; slight decrease in loan balanceAnnual report
「Consolidated ordinary expenses increased by ¥28 million year on year to ¥8,221 million, mainly because provision for loan losses increased.」
The Company recognized ¥151 million in provision for loan losses, and the increase in credit-related expenses was reflected in earnings. Meanwhile, total risk-monitored loans declined slightly from ¥20,469 million to ¥20,403 million. - FY2019-Q1WorsenedAnnual report
「Total ¥20,469 million ¥20,940 million」
Total risk-monitored loans increased by ¥471 million, from ¥20,469 million as of 31 March 2018 to ¥20,940 million as of 30 June 2018. Provision for loan losses also increased from ¥30 million in the same period of the previous year to ¥156 million. - FY2018MitigatedAnnual report
「In the consolidated fiscal year under review, although loans to borrowers in legal bankruptcy increased, total risk-monitored loans decreased by ¥1,290 million year on year as loans past due, loans past due for 3 months or more, and restructured loans decreased.」
Risk-monitored loans decreased by ¥1,290 million, from ¥21,760 million to ¥20,469 million. - FY2018-Q3MitigatedAnnual report
「Total ¥21,760 million ¥20,306 million」
Total risk-monitored loans decreased from ¥21,760 million as of 31 March 2017 to ¥20,306 million as of 31 December 2017. - FY2018-Q2MitigatedAnnual report
「Total ¥21,760 million ¥20,625 million」
Total risk-monitored loans decreased from ¥21,760 million as of 31 March 2017 to ¥20,625 million as of 30 September 2017. - FY2018-Q1MitigatedAnnual report
「Total ¥21,760 million ¥20,993 million」
Total risk-monitored loans decreased from ¥21,760 million as of 31 March 2017 to ¥20,993 million as of 30 June 2017. - FY2017MitigatedAnnual report
「In the consolidated fiscal year under review, although loans to borrowers in legal bankruptcy and loans past due for 3 months or more increased, total risk-monitored loans decreased by ¥3,442 million year on year as loans past due and restructured loans decreased.」
Risk-monitored loans decreased by ¥3,442 million, from ¥25,203 million to ¥21,760 million. - FY2017-Q3MitigatedAnnual report
「Total ¥25,203 million ¥22,397 million」
Total risk-monitored loans decreased from ¥25,203 million as of 31 March 2016 to ¥22,397 million as of 31 December 2016. The Company also recognized ¥890 million in reversal gains on allowance for loan losses. - FY2017-Q2MitigatedAnnual report
「Consolidated ordinary expenses decreased by ¥291 million year on year to ¥8,314 million, mainly because credit-related expenses declined.」
The decline in credit-related expenses was reflected in earnings, and total risk-monitored loans based on asset quality assessments also decreased from ¥25,203 million to ¥22,729 million. - FY2017-Q1MitigatedAnnual report
「Total ¥25,203 million ¥22,990 million」
Total risk-monitored loans decreased from ¥25,203 million as of 31 March 2016 to ¥22,990 million as of 30 June 2016. - FY2016First statedAnnual report
「Changes in economic conditions in Japan, particularly in Okayama Prefecture, where the Company’s business base is located, fluctuations in real estate prices, other unforeseen events, and changes in the financial condition of borrowing companies could increase non-performing loans and credit-related expenses, potentially adversely affecting the Company’s operations, results of operations, and financial condition.」
Risk-monitored loans totaled ¥25,203 million. The possibility of an increase in non-performing loans is linked to the regional economy, real estate prices, and the financial condition of counterparties.