Credit Risk Arising from Borrowers, Collateral and Economic Conditions
First written in FY2016. 19 of 37 entries say "Worsened", first in FY2017-Q3. Latest entry: 2026-07-31.
The Keiyo Bank moved to the "Worse" side of this theme in 2020, the same year as the typical company in this theme.
The whole theme swung hardest in 2020: 23 of 44 companies on the "Worse" side.
19 other companies' latest entry also says "Worsened".
- 2026-07-31WorsenedEarnings
「Total ① 57,925 57,959 33 57,392」
Total claims under the Banking Act and the Financial Reconstruction Act increased from ¥57.392 billion at 31 March 2026 to ¥57.959 billion at 30 June 2026. The ratio to total credit was 1.25%. - FY2026WorsenedAnnual report
「Bankrupt and substantially bankrupt loans ¥9,516 million ¥9,643 million Doubtful loans ¥38,809 million ¥39,386 million Loans past due by 3 months or more ¥28 million ¥35 million Restructured loans ¥8,501 million ¥8,320 million Total amount ¥56,855 million ¥57,384 million」
Total risk-monitored loans increased from ¥56,855 million at the end of the previous fiscal year to ¥57,384 million. Bankrupt and substantially bankrupt loans, doubtful loans, and loans past due by 3 months or more increased. - 2026-05-12OtherEarnings
「Claims disclosed under the Banking Act and the Financial Reconstruction Act increased by ¥500 million year on year to ¥57.3 billion. The ratio of disclosed claims to total credit decreased by 0.04 percentage points to 1.25%.」
Although disclosed claims increased from the end of the previous fiscal year, their ratio to total credit improved from 1.29% to 1.25%. - FY2026-H1WorsenedAnnual report
「Total amount ¥56,855 million ¥57,347 million」
Total risk-monitored loans increased from ¥56,855 million at the end of the previous consolidated fiscal year to ¥57,347 million. By category, bankrupt and substantially bankrupt loans, loans past due by 3 months or more, and restructured loans increased. - FY2025WorsenedAnnual report
「Total ¥55,612 million ¥56,855 million」
Total risk-management claims increased from ¥5,561.2 million at the previous fiscal year-end to ¥5,685.5 million. Risk claims decreased from ¥3,904.2 million to ¥3,880.9 million, while claims against bankrupt or effectively bankrupt borrowers and restructured loans increased. - FY2025-H1WorsenedAnnual report
「Claims against bankrupt or effectively bankrupt borrowers ¥8,878 million ¥9,370 million Risk claims ¥39,042 million ¥39,122 million Claims delinquent for 3 months or more ¥31 million ¥27 million Restructured loans ¥7,659 million ¥9,276 million Total ¥55,612 million ¥57,797 million」
Total risk-management claims increased from ¥5,561.2 million at the end of the previous consolidated fiscal year to ¥5,779.7 million. Restructured loans in particular increased from ¥7,659 million to ¥9,276 million. - FY2024WorsenedAnnual report
「Risk claims ¥36,287 million ¥39,042 million Total ¥52,743 million ¥55,612 million」
Total risk-management claims increased from ¥5,274.3 million to ¥5,561.2 million, while risk claims increased from ¥3,628.7 million to ¥3,904.2 million. Net credit-related expenses also amounted to ¥1,134 million, compared with net recoveries in the previous fiscal year. - FY2024-Q3WorsenedAnnual report
「Claims against bankrupt or effectively bankrupt borrowers ¥9,165 million ¥8,832 million Risk claims ¥36,287 million ¥38,294 million Claims delinquent for 3 months or more ¥34 million ¥31 million Restructured loans ¥7,255 million ¥6,740 million Total ¥52,743 million ¥53,899 million」
Total risk-management claims increased from ¥5,274.3 million at the end of the previous consolidated fiscal year to ¥5,389.9 million. Risk claims in particular increased from ¥3,628.7 million to ¥3,829.4 million, expanding credit-risk-related outstanding balances. - FY2024-Q2WorsenedAnnual report
「Claims against bankrupt or effectively bankrupt borrowers ¥9,165 million ¥8,953 million Risk claims ¥36,287 million ¥38,047 million Claims delinquent for 3 months or more ¥34 million ¥29 million Restructured loans ¥7,255 million ¥6,854 million Total ¥52,743 million ¥53,884 million」
Total risk-management claims increased from ¥5,274.3 million at the end of the previous consolidated fiscal year to ¥5,388.4 million. Risk claims in particular increased from ¥3,628.7 million to ¥3,804.7 million, expanding credit-risk-related outstanding balances. - FY2024-Q1WorsenedAnnual report
「Claims against bankrupt or effectively bankrupt borrowers ¥9,165 million ¥9,330 million Risk claims ¥36,287 million ¥36,680 million Claims delinquent for 3 months or more ¥34 million ¥66 million Restructured loans ¥7,255 million ¥6,874 million Total ¥52,743 million ¥52,952 million」
Total risk-management claims increased from ¥5,274.3 million at the end of the previous consolidated fiscal year to ¥5,295.2 million. Claims against bankrupt or effectively bankrupt borrowers, risk claims and claims delinquent for 3 months or more increased, while restructured loans declined. The provision for loan losses was ¥237 million. - FY2023-Q3Slight decline in risk-management claimsAnnual report
「Claims against bankrupt or effectively bankrupt borrowers ¥8,487 million ¥9,010 million Risk claims ¥35,649 million ¥35,262 million Claims delinquent for 3 months or more ¥39 million ¥38 million Restructured loans ¥7,293 million ¥7,000 million Total ¥51,469 million ¥51,312 million」
Total risk-management claims edged down from ¥5,146.9 million at the end of the previous consolidated fiscal year to ¥5,131.2 million. Claims against bankrupt or effectively bankrupt borrowers increased, while risk claims and restructured loans declined, so the movements by category were not uniform. - FY2023-Q2Decline in total claims alongside a year-on-year increaseAnnual report
「Claims against bankrupt or effectively bankrupt borrowers ¥8,487 million ¥9,057 million Risk claims ¥35,649 million ¥34,908 million Claims delinquent for 3 months or more ¥39 million ¥33 million Restructured loans ¥7,293 million ¥7,072 million Total ¥51,469 million ¥51,071 million」
Total risk-management claims decreased from ¥5,146.9 million at the end of the previous consolidated fiscal year to ¥5,107.1 million. However, compared with the asset assessment amounts for the same period of the previous year, claims against bankrupt or effectively bankrupt borrowers and risk claims increased, indicating that credit-risk-related indicators did not move in a single direction. - FY2023-Q1WorsenedAnnual report
「Claims against bankrupt or effectively bankrupt borrowers ¥8,487 million ¥9,231 million Risk claims ¥35,649 million ¥35,847 million Claims delinquent for 3 months or more ¥39 million ¥33 million Restructured loans ¥7,293 million ¥7,357 million Total ¥51,469 million ¥52,469 million」
Total risk-management claims increased from ¥5,146.9 million at the end of March 2022 to ¥5,246.9 million at the end of June 2022. Risk claims and restructured loans also increased, expanding credit-risk-related outstanding balances. Meanwhile, no provision for loan losses was recorded for the quarter. - FY2022WorsenedAnnual report
「Claims against bankrupt or effectively bankrupt borrowers 86 85 Risk claims 327 356 Claims requiring monitoring 73 72」
Risk claims increased from ¥32.7 billion to ¥35.6 billion, and the subtotal of disclosed claims increased from ¥4,877.4 million in the previous fiscal year to ¥5,146.9 million. Credit-related expenses decreased, while credit-risk-related outstanding balances increased. - FY2022-Q3WorsenedAnnual report
「Claims against bankrupt or effectively bankrupt borrowers ¥1,559 million ¥1,169 million Delinquent claims ¥39,770 million ¥41,881 million Claims delinquent for 3 months or more ¥128 million ¥49 million Restructured loans ¥7,263 million ¥7,036 million Total ¥48,722 million ¥50,137 million」
Total risk-management claims increased from ¥4,872.2 million at the previous fiscal year-end to ¥5,013.7 million. Delinquent claims also increased, expanding credit-risk-related outstanding balances. Meanwhile, the provision for loan losses decreased from ¥2,620 million in the same period of the previous year to ¥1,381 million. - FY2022-Q2WorsenedAnnual report
「Claims against bankrupt or effectively bankrupt borrowers 93 78 Risk claims 301 344 Claims requiring monitoring 73 71 Normal claims 37,185 38,042」
In the asset assessment, risk claims increased from ¥30.1 billion to ¥34.4 billion. Total risk-management claims also increased from ¥4,872.2 million at the previous fiscal year-end to ¥4,933.9 million, expanding credit-risk-related outstanding balances. Meanwhile, the provision for loan losses decreased from ¥2,412 million in the same period of the previous year to ¥1,184 million. - FY2022-Q1Slight increase in risk-management claims alongside a decline in the provision for loan lossesAnnual report
「Total ¥48,722 million ¥48,914 million The above receivables are stated before deduction of the allowance for loan losses.」
Total risk-management claims edged up from ¥4,872.2 million at the end of the previous consolidated fiscal year to ¥4,891.4 million. Meanwhile, the provision for loan losses decreased from ¥2,213 million in the same period of the previous year to ¥260 million, indicating that credit-risk-related indicators did not move in a single direction. - FY2021WorsenedAnnual report
「The total amounts of claims against bankrupt or effectively bankrupt borrowers, delinquent claims, claims delinquent for 3 months or more, and restructured loans are as follows. Previous consolidated fiscal year (31 March 2020) Current consolidated fiscal year (31 March 2021) Total ¥46,764 million ¥48,722 million」
Total risk-management claims increased from ¥4,676.4 million at the previous fiscal year-end to ¥4,872.2 million. Credit-related expenses decreased from ¥14,078 million to ¥4,860 million, but risk claims increased from ¥28.4 billion to ¥32.7 billion. - FY2021-Q3MitigatedAnnual report
「Total ¥46,764 million ¥46,557 million Provision for loan losses ¥9,599 million ¥2,620 million」
Total risk-management claims decreased from ¥4,676.4 million at the previous fiscal year-end to ¥4,655.7 million, and the provision for loan losses also decreased from ¥9,599 million in the same period of the previous year to ¥2,620 million. The previous coexistence of declining outstanding claims and rising provisions changed to a situation in which both indicators declined. - FY2021-Q2Slight decline in total non-performing loans alongside an increase in claims requiring monitoringAnnual report
「Asset assessment amounts Classification of claims 30 September 2019 30 September 2020 Amount (¥100 million) Amount (¥100 million) Claims against bankrupt or effectively bankrupt borrowers 100 93 Risk claims 299 301 Claims requiring monitoring 17 73 Normal claims 36,150 37,185 Total ¥46,764 million ¥46,717 million」
Total risk-management claims edged down from ¥4,676.4 million to ¥4,671.7 million from the previous fiscal year-end, while claims requiring monitoring increased from ¥1.7 billion to ¥7.3 billion year on year. - FY2021-Q1WorsenedAnnual report
「The provision for loan losses increased mainly because the allowance rate calculated from historical loss experience rose, although new borrower failures and downgrades were limited.」
The provision for loan losses increased from ¥1,316 million in the same period of the previous year to ¥2,213 million. Total risk-management claims also increased from ¥4,676.4 million at the end of March 2020 to ¥4,741.0 million, so both credit-risk-related expenses and outstanding claims increased. - FY2020WorsenedAnnual report
「Total credit-related expenses increased by ¥8,112 million from the previous consolidated fiscal year to ¥14,078 million.」
Credit-related expenses increased from ¥5,965 million in the previous fiscal year to ¥14,078 million. Total risk-management claims also increased from ¥4,233.5 million to ¥4,676.4 million, and restructured loans increased from ¥1,444 million to ¥7,632 million. - FY2020-Q3Concurrent decline in receivables and increase in provision expenseAnnual report
「Total ¥42,335 million ¥37,415 million Provision for loan losses ¥2,326 million ¥9,599 million」
Total risk-management claims decreased from ¥4,233.5 million at the end of the previous consolidated fiscal year to ¥3,741.5 million, while the provision for loan losses increased from ¥2,326 million in the same period of the previous year to ¥9,599 million. Credit-risk-related indicators continued to move in different directions. - FY2020-Q2Concurrent decline in receivables and increase in provision expenseAnnual report
「Total ¥42,335 million ¥41,677 million …… Provision for loan losses ¥1,449 million ¥5,029 million」
Total risk-management claims decreased from ¥4,233.5 million at the end of the previous consolidated fiscal year to ¥4,167.7 million, while the provision for loan losses increased from ¥1,449 million in the same period of the previous year to ¥5,029 million. Credit-risk-related indicators continued to move in different directions. - FY2020-Q1Concurrent decline in receivables and increase in provision expenseAnnual report
「Claims against bankrupt or effectively bankrupt borrowers ¥1,623 million Delinquent claims ¥38,859 million Claims delinquent for 3 months or more ¥98 million Restructured loans ¥1,578 million Total ¥42,160 million Provision for loan losses ¥1,316 million」
Total risk-management claims decreased from ¥4,233.5 million at the end of the previous consolidated fiscal year to ¥4,216.0 million, while the provision for loan losses increased from zero in the same period of the previous year to ¥1,316 million. Credit-risk-related indicators continued to move in different directions. - FY2019WorsenedAnnual report
「Total credit-related expenses increased by ¥4,577 million from the previous consolidated fiscal year to ¥5,965 million.」
Credit-related expenses increased substantially from ¥1,388 million to ¥5,965 million. Meanwhile, total risk-management claims decreased from ¥4,634.6 million to ¥4,233.5 million, so the movements in outstanding claims and expenses were not aligned. - FY2019-Q3Concurrent decline in receivables and increase in provision expenseAnnual report
「Total ¥46,346 million ¥43,314 million Provision for loan losses ¥829 million ¥2,326 million」
Total risk-management claims decreased from ¥4,634.6 million at the end of the previous consolidated fiscal year to ¥4,331.4 million, while the provision for loan losses increased from ¥829 million in the same period of the previous year to ¥2,326 million. Credit-risk-related indicators continued to move in different directions. - FY2019-Q2Concurrent decline in receivables and increase in provision expenseAnnual report
「The total amounts of claims against bankrupt or effectively bankrupt borrowers, delinquent claims, claims delinquent for 3 months or more, and restructured loans are as follows. Previous consolidated fiscal year (31 March 2018) Interim consolidated fiscal period (30 September 2018) Total ¥46,346 million ¥43,614 million」
Total risk-management claims decreased from ¥4,634.6 million to ¥4,361.4 million, while the provision for loan losses increased from zero in the same period of the previous year to ¥1,449 million, indicating that credit-risk-related indicators did not move in a single direction. - FY2019-Q1MitigatedAnnual report
「Claims against bankrupt or effectively bankrupt borrowers ¥2,020 million ¥2,073 million Delinquent claims ¥42,474 million ¥41,207 million Claims delinquent for 3 months or more ¥52 million ¥52 million Restructured loans ¥1,798 million ¥1,433 million Total ¥46,346 million ¥44,765 million」
Total risk-management claims decreased from ¥4,634.6 million at the end of the previous consolidated fiscal year to ¥4,476.5 million. The provision for loan losses was also zero for the quarter. - FY2018MitigatedAnnual report
「Total credit-related expenses decreased by ¥1,771 million from the previous consolidated fiscal year to ¥1,388 million.」
Credit-related expenses decreased from ¥3,159 million to ¥1,388 million, while total risk-management claims also decreased from ¥4,819.7 million to ¥4,634.6 million. - FY2018-Q3MitigatedAnnual report
「Claims against bankrupt or effectively bankrupt borrowers ¥1,970 million ¥2,158 million Delinquent claims ¥44,271 million ¥42,942 million Claims delinquent for 3 months or more ¥61 million ¥62 million Restructured loans ¥1,893 million ¥1,787 million Total ¥48,197 million ¥46,950 million」
Total risk-management claims decreased from ¥4,819.7 million at the end of the previous consolidated fiscal year to ¥4,695.0 million. The provision for loan losses also decreased from ¥1,100 million in the same period of the previous year to ¥829 million, continuing the decline in the credit-risk-related burden seen through the previous quarter. - FY2018-Q2MitigatedAnnual report
「The total amounts of claims against bankrupt or effectively bankrupt borrowers, delinquent claims, claims delinquent for 3 months or more, and restructured loans are as follows. Previous fiscal year (31 March 2017) Interim consolidated fiscal period (30 September 2017) Total ¥48,197 million ¥47,642 million」
Total risk-management claims decreased from ¥4,819.7 million at the end of the previous consolidated fiscal year to ¥4,764.2 million. The provision for loan losses on the interim consolidated income statement also fell from ¥412 million in the same period of the previous year to zero in the current period. - FY2018-Q1MitigatedAnnual report
「Total ¥48,197 million ¥48,061 million The above receivables are stated before deduction of the allowance for loan losses.」
Based on the figures disclosed for the quarter, total risk-management claims decreased from ¥48,197 million at the end of the previous consolidated fiscal year to ¥48,061 million. The provision for loan losses also decreased from ¥208 million to ¥35 million. - FY2017WorsenedAnnual report
「Total credit-related expenses increased by ¥2,634 million from the previous consolidated fiscal year to ¥3,159 million.」
Credit-related expenses increased from ¥525 million to ¥3,159 million, including ¥2,550 million in provisions for individually assessed loan losses, indicating a greater credit-risk-related burden. Total risk-management claims also increased from ¥44,038 million to ¥48,197 million. - FY2017-Q3WorsenedAnnual report
「Ordinary expenses increased by ¥1,296 million year on year to ¥35,885 million, mainly due to an increase in the provision for loan losses. Provision for loan losses ¥1,100 million Total ¥48,803 million」
The provision for loan losses was ¥1,100 million, while total risk-management claims increased from ¥44,038 million at the end of the previous consolidated fiscal year to ¥48,803 million, indicating a greater credit-risk-related burden. - FY2017-Q2MaterialisedAnnual report
「Ordinary expenses increased by ¥567 million year on year to ¥24,077 million, mainly due to an increase in the provision for loan losses.」
The provision for loan losses increased from zero in the same period of the previous year to ¥412 million, with the increase in credit-risk-related expenses reflected in actual results. - FY2016First statedAnnual report
「The Bank's non-performing loans and credit-related expenses may increase depending on economic trends, fluctuations in real estate and stock prices, and the financial condition of borrowers, potentially adversely affecting its operating performance and financial condition.」
The factors identified as sources of credit risk are economic conditions, real estate prices, stock prices and borrowers' financial condition.