Credit Assessments and Write-Offs and Allowances under the Credit Policy
First written in FY2016. 14 of 19 entries say "Advanced", first in FY2018. Latest entry: FY2026.
The whole theme swung hardest in 2020: 3 of 10 companies on the "Worse" side.
0 other companies' latest entry also says "Advanced".
- FY2026AdvancedAnnual report
「In accordance with the predetermined amortization and provisioning standards, we took into account the expected future deterioration in the performance of normal and watch-list obligors. For certain groups of obligors in industries deemed likely to have a significant impact on the financial results of the Bank Group, we treated the obligor classifications as having been downgraded and, using expected loss rates adjusted as necessary from historical loss rates, recorded an additional ¥1,650 million in loan-loss provisions for the fiscal year under review.」
The obligor classifications and expected loss rates were revised in light of expected future deterioration in performance and industries with a significant impact, and additional loan-loss provisions were recorded. - 2026-05-13AdvancedFinancial results
「Credit costs (6−11) 1,133」
The consolidated provision for loan losses was ¥1.133 billion, up from ¥757 million in the previous fiscal year. - FY2026-H1AdvancedAnnual report
「In addition, we recorded an additional ¥1,802 million in the allowance for loan losses during the current interim consolidated accounting period, based on an expected loss rate adjusted as necessary from the historical loss rate.」
Debtor classifications and expected loss rates were revised in light of the deteriorating economic environment, and the additional amount recorded in the allowance for loan losses was updated to ¥1,802 million. - FY2025AdvancedAnnual report
「In addition to taking into account expected future deterioration in the performance of performing and watch-list borrowers, we treated the debtor classifications as having been downgraded for certain groups of debtors in industries deemed to have a significant impact on the Group's results, and recorded an additional ¥1,741 million in the allowance for loan losses during the consolidated fiscal year based on an expected loss rate adjusted as necessary from the historical loss rate.」
Debtor classifications and expected loss rates were revised in light of expected future deterioration in performance and the impact of specific industries, and an additional ¥1,741 million was recorded in the allowance for loan losses. - FY2025-H1AdvancedAnnual report
「We assume that trends in overseas economies and the impact of rising prices will continue for a certain period and will have a certain impact on the credit risk of loans and other assets held by the Group. Based on this assumption, we are classifying debtors using information currently available in order to prepare for expected losses resulting from this impact. In addition, we recorded an additional ¥1,128 million in the allowance for loan losses during the current interim consolidated accounting period, based on an expected loss rate adjusted as necessary from the historical loss rate.」
Based on credit risk arising from overseas economic conditions and rising prices, debtor classifications and expected loss rates were revised, and an additional ¥1,128 million was recorded in the allowance for loan losses. - FY2024AdvancedAnnual report
「After taking into account expected future deterioration in the performance of performing and watch-list borrowers, we recorded an additional ¥923 million in the allowance for loan losses during the consolidated fiscal year, based on an expected loss rate adjusted as necessary from the historical loss rate.」
In response to credit risk, an additional ¥923 million was recorded in the allowance for loan losses based on an expected loss rate reflecting anticipated future deterioration in performance. - FY2024-Q3AdvancedAnnual report
「Provision for allowance for loan losses — ¥ million ¥937 million」
We recorded a ¥937 million provision for the allowance for loan losses during the first 3 quarters of the current consolidated fiscal year. The results of write-offs and provisions made in preparation for credit risk were updated. - FY2024-Q2AdvancedAnnual report
「We assume that the economic impact of COVID-19 will continue for a certain period and will have a certain impact on the credit risk of loans and other assets held by the Group. Based on this assumption, we are classifying debtors using information currently available in order to prepare for expected losses resulting from this impact. In addition, we recorded an additional ¥759 million in the allowance for loan losses during the current interim consolidated accounting period, based on an expected loss rate adjusted as necessary from historical loss experience.」
In light of credit risk arising from the pandemic, debtor classifications and expected loss rates were revised, and an additional ¥759 million was recorded in the allowance for loan losses. - FY2024-Q1AdvancedAnnual report
「Provision for allowance for loan losses — ¥ million ¥587 million」
We recorded a ¥587 million provision for the allowance for loan losses during the first quarter of the current consolidated fiscal year. - FY2023-Q2AdvancedAnnual report
「We assume that the economic impact of the spread of COVID-19 will continue for a certain period and will have a certain impact on the credit risk of loans and other assets held by the Group. Based on this assumption, we are classifying debtors using information currently available in order to prepare for expected losses resulting from this impact. In addition, we recorded an additional ¥476 million in the allowance for loan losses during the current interim consolidated accounting period, based on an expected loss rate adjusted as necessary from historical loss experience.」
In light of credit risk arising from the pandemic, debtor classifications and expected loss rates were revised, and an additional ¥476 million was recorded in the allowance for loan losses during the current interim consolidated accounting period. - FY2022AdvancedAnnual report
「For certain groups of debtors in industries whose performance is expected to deteriorate due to the impact of COVID-19, we treated the debtor classifications as having been downgraded and recorded an additional ¥568 million in the allowance for loan losses during the consolidated fiscal year, based on expected loss rates adjusted as necessary from historical loss experience.」
Debtor classifications and expected loss rates were revised in light of the pandemic's impact, and an additional ¥568 million was recorded in the allowance for loan losses. - FY2022-Q2AdvancedAnnual report
「If the situation regarding COVID-19 or its impact on the economy changes, the amount of losses may increase or decrease. Based on these assumptions, we are classifying debtors using information currently available in order to prepare for expected losses resulting from this impact. In addition, we recorded an additional ¥496 million in the allowance for loan losses during the current interim consolidated accounting period, based on an expected loss rate adjusted as necessary from historical loss experience.」
In response to credit risk arising from the pandemic, debtor classifications and expected loss rates were revised, and an additional ¥496 million was recorded in the allowance for loan losses. - FY2021RestatedAnnual report
「We have established a Credit Policy to improve the soundness of our assets. In credit transactions, we conduct thorough assessments based on fundamental principles while complying with this policy, and make continuous efforts to develop strong credit judgment and management capabilities」
We continue to manage credit risk through the Credit Policy, credit ratings, collateral information, write-offs and provisions, and business viability assessments. - FY2020AdvancedAnnual report
「To address external conditions, including a major economic downturn and population decline in our operating area resulting from the declining birthrate and aging population, our branches and head office work together to control credit risk through close dialogue with business partners based on business viability assessments, the use of our sales capabilities, and support in preparing effective business plans.」
In addition to the existing Credit Policy, assessment, ratings, and write-offs and provisions, business viability assessments, dialogue with business partners, and support in preparing business plans were identified as means of managing credit risk. - FY2018AdvancedAnnual report
「In terms of our organizational structure, we have completely separated the assessment and management divisions from the sales promotion divisions and established a strict assessment and management framework. We also provide employees with practical guidance in credit operations through group training, assessment traineeships and guidance at sales branches, seeking to further improve their credit assessment capabilities.」
The specific operating framework for credit risk management is described, including the separation of the credit assessment and management divisions from the sales promotion divisions, group training and assessment traineeships. - FY2018-Q2RestatedAnnual report
「All receivables are assessed by the asset assessment department in cooperation with business-related departments, based on the self-assessment standards for assets.」
We continue to assess all claims based on our self-assessment standards and record the allowance for loan losses based on our write-off and provisioning standards. - FY2017RestatedAnnual report
「Based on credit rating results and information on the collateral securing claims, we rigorously assess the degree of risk that loan assets and other assets may not be recovered or may be impaired, and seek to maintain their soundness through appropriate write-offs and provisions.」
We continue to manage credit risk through the Credit Policy, credit ratings, collateral information, and write-offs and provisions. - FY2017-Q2RestatedAnnual report
「All receivables are assessed by the asset assessment department in cooperation with business-related departments, based on the self-assessment standards for assets.」
We continue to assess assets based on our self-assessment standards and regularly monitor customers' business conditions and review contracts after claims have been established. - FY2016First statedAnnual report
「We have established a Credit Policy to improve the soundness of our assets. In credit transactions, we conduct thorough assessments based on fundamental principles while complying with this policy, make continuous efforts to develop strong credit judgment and management capabilities, and work to establish a universal framework for fulfilling our social mission as a regional financial institution.」
The framework for improving asset soundness through assessment, credit capabilities, credit ratings, collateral information, and write-offs and provisions is described.