Increase in provision for doubtful accounts
First written in FY2017-Q4. 10 of 30 entries say "Worsened", first in FY2020. Latest entry: FY2027-H1.
AEON Financial Service moved to the "Worse" side of this theme in 2023, 1 year after the typical company in this theme (2022).
The whole theme swung hardest in 2026: 14 of 32 companies on the "Worse" side.
11 other companies' latest entry also says "Worsened".
- FY2027-H1WorsenedAnnual report
「Provision for allowance for doubtful accounts 41,871 54,810」
The provision for allowance for doubtful accounts during the interim period increased from ¥41,871 million in the year-earlier period to ¥54,810 million. - FY2026Update to full-year provision for loan lossesAnnual report
「Provision for loan losses ¥88,254 million」
The full-year provision for loan losses was updated to ¥88,254 million. - FY2026-H1Update to the interim provision for loan lossesAnnual report
「Provision for loan losses 43,061 41,871」
The interim provision for loan losses was updated to ¥41,871 million from ¥43,061 million in the same period of the previous year. - FY2025WorsenedAnnual report
「The provision for loan losses increased from ¥60,772 million in the previous consolidated fiscal year to ¥73,055 million in the current consolidated fiscal year.」
The provision for loan losses increased from ¥60,772 million to ¥73,055 million, with the effects of the overseas economic slowdown and inflation, among other factors, also noted. - FY2025-H1WorsenedAnnual report
「Provision for loan losses 36,493 43,061」
The interim provision for loan losses was ¥43,061 million, up from ¥36,493 million in the same period of the previous year. - FY2024WorsenedAnnual report
「Provision for loan losses ¥60,772 million ¥73,055 million」
The provision for loan losses increased from ¥60,772 million in the previous fiscal year to ¥73,055 million. The overseas economic slowdown, inflation and the reduction of consumer support measures, among other factors, were cited as causes of the increase. - FY2024-Q3WorsenedAnnual report
「The increase in credit-related costs attributable to the overseas economic slowdown, inflation and the reduction of consumer support measures implemented by governments during the COVID-19 pandemic, among other factors,」
The company stated that credit-related costs increased due to the overseas economic slowdown, inflation and the reduction of consumer support measures, among other factors. - FY2024-Q2WorsenedAnnual report
「Provision for loan losses 27,273 36,493」
The cumulative second-quarter provision for loan losses was ¥36,493 million, up from ¥27,273 million in the same period of the previous year. The increase in the provision for loan losses accompanying the buildup of operating receivables was cited as a factor behind the decline in profit. - FY2024-Q1WorsenedAnnual report
「Consolidated operating profit was ¥919.1 million, as the increase in the provision for loan losses resulting from the buildup of operating receivables and higher spending, including stronger sales promotion aimed at expanding the customer base and transaction volume,」
The increase in the provision for loan losses accompanying the buildup of operating receivables was cited as a factor behind the decline in first-quarter operating profit, indicating a renewed deterioration in credit-related costs. - FY2023-Q2Update to the second-quarter provision for loan losses (increase)Annual report
「Provision for loan losses ¥23,278 million ¥27,273 million」
The cumulative second-quarter provision for loan losses increased from ¥23,278 million in the same period of the previous year to ¥27,273 million. - FY2022MitigatedAnnual report
「Provision for loan losses ¥71,406 million ¥50,248 million」
The provision for loan losses decreased from ¥71,406 million in the previous fiscal year to ¥50,248 million in the current fiscal year. The company reported an improvement in credit-related costs due to more rigorous credit screening and a strengthened receivables collection framework. - FY2022-Q3MitigatedAnnual report
「The company continued efforts from the previous fiscal year to refine credit screening and strengthen its receivables collection framework, resulting in a significant improvement in credit-related costs,」
The company stated that credit-related expenses improved significantly as it continued to refine underwriting and strengthen the debt collection framework. - FY2022-Q2MitigatedAnnual report
「Provision for loan losses ¥50,058 million ¥23,278 million」
The cumulative second-quarter provision for loan losses decreased from ¥50,058 million in the same period of the previous year to ¥23,278 million, resulting in a significant improvement in credit-related costs. - FY2022-Q1MitigatedAnnual report
「Consolidated operating profit was ¥20.71 billion, as credit-related expenses improved significantly through continued refinement of underwriting and establishment of a debt collection framework from the previous fiscal year, compared with an operating loss of ¥863 million in the same period of the previous year.」
The company stated that credit-related costs improved significantly as a result of more rigorous credit screening and the establishment of a receivables collection framework. - FY2021-Q2WorsenedAnnual report
「Provision for loan losses ¥33,019 million ¥50,058 million」
The cumulative second-quarter provision for loan losses was ¥50,058 million, up from ¥33,019 million in the same period of the previous year. The increase in provisions for loan losses in Japan and overseas in preparation for future increases in loan losses was a factor behind the decline in operating profit. - FY2021-Q1WorsenedAnnual report
「As a result, consolidated operating revenue was ¥109,959 million, down 1.8% year on year, while the operating loss was ¥863 million, due mainly to the increase in the provision for loan losses in Japan and overseas, compared with operating profit of ¥1,358.9 million in the same period of the previous year.」
The increase in the provision for loan losses in Japan and overseas, among other factors, was cited as a cause of the first-quarter operating loss, and credit-related costs continued to deteriorate. - FY2020Increase in full-year credit-related costsAnnual report
「The provision for loan losses increased from ¥51,316 million in the previous consolidated fiscal year to ¥62,732 million in the current consolidated fiscal year.」
The provision for loan losses increased from ¥51,316 million to ¥62,732 million. International credit-related costs as a percentage of operating revenue were 28%, versus the 22% plan. - FY2020-Q4Update to the factors behind the increase in third-quarter credit-related costsAnnual report
「Overseas, the increase in the provision for loan losses primarily in Thailand, Malaysia and Hong Kong, where IFRS 9, “Financial Instruments,” is applied locally or through consolidated adjustments, reflected the buildup of operating receivables and responses to changes in the economic environment.」
The provision for loan losses increased primarily in overseas regions applying IFRS 9, due to the buildup of operating receivables and responses to changes in the economic environment. - FY2020-Q3Update to the interim provision for loan losses (increase)Annual report
「This was attributable in part to the increase in the provision for loan losses after operating receivables in Malaysia, where IFRS 9, “Financial Instruments,” was introduced in the same period of the previous year, built up beyond expectations, primarily in performing receivables.」
Operating receivables in Malaysia built up beyond expectations, increasing the provision for loan losses. The interim provision for loan losses was ¥33,019 million. - FY2020-Q2Update to the factors behind the increase in first-quarter credit-related costsAnnual report
「However, the buildup of operating receivables, primarily performing receivables, during the current fiscal year led to an increase in credit-related costs, including the recognition of provisions in preparation for future losses.」
The company explained that credit-related costs increased as the buildup of operating receivables, primarily performing receivables, led to the recognition of provisions in preparation for future losses. - FY2019Update to the full-year provision for loan losses (increase)Annual report
「The provision for loan losses was ¥51,316 million.」
The full-year provision for loan losses was ¥51,316 million, up from ¥47,411 million in the previous fiscal year. - FY2019-Q4Update to the cumulative third-quarter provision for loan losses (increase)Annual report
「Provision for loan losses ¥34,775 million ¥37,662 million」
The cumulative third-quarter provision for loan losses was ¥37,662 million, up from ¥34,775 million in the same period of the previous year. - FY2019-Q3Update to the interim provision for loan losses (increase)Annual report
「Provision for loan losses ¥22,976 million ¥25,000 million」
The interim provision for loan losses was ¥25,000 million, up from ¥22,976 million in the same period of the previous year. - FY2019-Q2Update to the first-quarter provision for loan losses (increase)Annual report
「Provision for loan losses ¥11,268 million ¥12,387 million」
The first-quarter provision for loan losses was ¥12,387 million, up from ¥11,268 million in the same period of the previous year. - FY2018Update to the full-year provision for loan losses (increase)Annual report
「The provision for loan losses was ¥47,411 million.」
The full-year provision for loan losses was ¥47,411 million, up from ¥44,046 million in the previous fiscal year. - FY2018-Q4Update to the cumulative third-quarter provision for loan losses (increase)Annual report
「The provision for loan losses was ¥34,775 million.」
The cumulative third-quarter provision for loan losses was ¥34,775 million, up from ¥33,386 million in the same period of the previous year. - FY2018-Q3Update to the interim provision for loan losses (increase)Annual report
「The provision for loan losses was ¥22,976 million.」
The interim provision for loan losses was ¥22,976 million, up from ¥22,206 million in the same period of the previous year. - FY2018-Q2Update to first-quarter figures (increase)Annual report
「Provision for loan losses ¥10,798 million ¥11,268 million」
The first-quarter provision for loan losses was ¥11,268 million, up from ¥10,798 million in the same period of the previous year. - FY2017Update to full-year provision for loan lossesAnnual report
「The provision for loan losses was ¥44,046 million.」
The provision for loan losses was updated from ¥42,688 million in the previous fiscal year to ¥44,046 million. - FY2017-Q4First statedAnnual report
「Provision for loan losses ¥32,972 million ¥33,386 million」
The provision for loan losses increased from ¥32,972 million in the same period of the previous year to ¥33,386 million in the cumulative third quarter of the current fiscal year.