Interest Refund Losses Associated with Refunds of Overpayments
First written in FY2017-Q1. 18 of 30 entries say "Mitigated", first in FY2019-Q1. Latest entry: FY2026.
The whole theme swung hardest in 2019: 2 of 6 companies on the "Worse" side.
5 other companies' latest entry also says "Mitigated".
- FY2026MitigatedAnnual report
「Provision for interest refund losses 9,569 6,346」
The balance of the provision for interest refund losses decreased from ¥9.569 billion at the end of the previous fiscal year to ¥6.346 billion. - 2026-05-15MitigatedEarnings
「Provision for loss on interest repayment 9,569 6,346」
The balance of the provision for loss on interest repayment decreased from ¥9,569 million at the end of the previous consolidated fiscal year to ¥6,346 million. - FY2026-H1MitigatedAnnual report
「Provision for interest refund losses 9,569 7,625」
The balance of the provision for interest refund losses decreased from ¥9.569 billion at the end of the previous consolidated fiscal year to ¥7.625 billion. - FY2024-Q3MitigatedAnnual report
「Provision for interest refund losses 14,614 12,986」
The balance of the provision for interest refund losses decreased from ¥14.614 billion at the end of the previous consolidated fiscal year to ¥12.986 billion. - FY2023MitigatedAnnual report
「The provision for interest refund losses is recorded to cover claims for refunds of interest charged above the maximum interest rate under the Interest Rate Restriction Act. Taking into account past refund results and recent refund trends, the provision for interest refund losses at the end of the consolidated fiscal year was ¥14.6 billion, a decrease of ¥1.5 billion from the previous fiscal year-end.」
The provision for interest refund losses decreased by ¥1.5 billion from the previous fiscal year-end to ¥14.6 billion. - FY2023-Q3MitigatedAnnual report
「In credit-related expenses, although the provision for loan losses increased, the provision for interest refund losses decreased due to the decline in interest refunds and other factors. As a result, credit-related expenses decreased by ¥2.6 billion year on year.」
The provision for interest refund losses decreased due to the decline in interest refunds and other factors, and credit-related expenses decreased by ¥2.6 billion year on year. - FY2023-Q2MitigatedAnnual report
「In credit-related expenses, although the provision for loan losses increased, the provision for interest refund losses decreased due to the decline in interest refunds and other factors. As a result, credit-related expenses decreased by ¥2.9 billion year on year.」
The provision for interest refund losses decreased due to the decline in interest refunds and other factors, and credit-related expenses decreased by ¥2.9 billion year on year. - FY2023-Q1MitigatedAnnual report
「In credit-related expenses, although the provision for loan losses increased, the provision for interest refund losses decreased due to the decline in interest refunds and other factors. As a result, credit-related expenses decreased by ¥700 million year on year.」
The provision for interest refund losses decreased due to the decline in interest refunds and other factors, and credit-related expenses decreased by ¥700 million year on year. - FY2022-Q3WorsenedAnnual report
「In credit-related expenses, although the provision for loan losses decreased as newly delinquent loans remained low amid continued subdued consumer spending, the provision for interest refund losses increased with the increase in interest refunds. As a result, credit-related expenses increased year on year.」
The provision for interest refund losses increased year on year with the increase in interest refunds, and the period-end provision balance also increased from ¥12.558 billion at the end of the previous period to ¥16.287 billion. - FY2022-Q2WorsenedAnnual report
「In credit-related expenses, although the provision for loan losses decreased as newly delinquent loans remained low amid continued subdued consumer spending, the provision for interest refund losses increased with the increase in interest refunds. As a result, credit-related expenses increased year on year.」
Although newly delinquent loans remained low, the provision for interest refund losses increased with the increase in interest refunds, and the period-end provision balance also increased from ¥12.558 billion at the end of the previous period to ¥15.233 billion. - FY2022-Q1WorsenedAnnual report
「In credit-related expenses, although the provision for interest refund losses increased with the increase in interest refunds, the provision for loan losses decreased, reflecting lower consumer spending and other factors, as the amount of newly delinquent loans remained low. As a result, credit-related expenses decreased year on year.」
The provision for interest refund losses increased with the increase in interest refunds, and the period-end provision balance also increased from ¥12.558 billion to ¥13.452 billion. - FY2021Increase in provision expense, decrease in balanceAnnual report
「The total amount of waivers and refunds of excess interest during the consolidated fiscal year was ¥7.7 billion. To address the risk of future claims, the company charged ¥6.6 billion to the provision for interest refund losses as of the end of the consolidated fiscal year, bringing the provision to ¥12.5 billion.」
Although the period-end provision balance decreased to ¥12.5 billion, the provision expense for the fiscal year was ¥6.6 billion, up from ¥4.5 billion in the previous fiscal year. - FY2021-Q3MitigatedAnnual report
「Provision for interest refund losses 13,733 11,994」
The balance of the provision for interest refund losses decreased from ¥13.733 billion at the end of the previous consolidated fiscal year to ¥11.994 billion. - FY2021-Q2Increase in provision expense, decrease in balanceAnnual report
「Provision for interest refund losses 1,885 2,129」
The provision for interest refund losses increased from ¥1.885 billion in the same period of the previous year to ¥2.129 billion, while the period-end provision balance decreased from ¥13.733 billion at the end of the previous consolidated fiscal year to ¥12.245 billion. - FY2021-Q1MitigatedAnnual report
「Provision for interest refund losses 13,733 12,753」
The balance of the provision for interest refund losses decreased from ¥13.733 billion at the end of the previous consolidated fiscal year to ¥12.753 billion. - FY2020MitigatedAnnual report
「The total amount of waivers and refunds of excess interest during the consolidated fiscal year was ¥8.6 billion. To address the risk of future claims, the company charged ¥4.5 billion to the provision for interest refund losses as of the end of the consolidated fiscal year, bringing the provision to ¥13.7 billion.」
The total refunds of excess interest were ¥8.6 billion and the period-end provision balance was ¥13.7 billion, both down from the previous fiscal year’s ¥11.0 billion in total refunds and ¥17.7 billion provision. - FY2020-Q3MitigatedAnnual report
「Provision for interest refund losses ¥17,741 million ¥14,039 million」
The balance of the provision for interest refund losses decreased from ¥17.741 billion at the end of the previous consolidated fiscal year to ¥14.039 billion. - FY2020-Q2MitigatedAnnual report
「Provision for interest refund losses 3,299 1,885」
The provision for interest refund losses decreased from ¥3.299 billion in the same period of the previous year to ¥1.885 billion, and the provision balance at period-end also decreased from ¥17.741 billion at the end of the previous consolidated fiscal year to ¥14.839 billion. - FY2020-Q1MitigatedAnnual report
「Provision for interest refund losses ¥17,741 million ¥15,880 million」
The balance of the provision for interest refund losses decreased from ¥17.741 billion at the end of the previous consolidated fiscal year to ¥15.88 billion. - FY2019MitigatedAnnual report
「The total amount of waivers and refunds of excess interest during the consolidated fiscal year was ¥11.0 billion. To address the risk of future claims, the company charged ¥3.7 billion to the provision for interest refund losses as of the end of the consolidated fiscal year, bringing the provision to ¥17.7 billion.」
Refunds of excess interest and provisioning continued, but the total refunds amounted to ¥11.0 billion and the period-end provision was ¥17.7 billion, both down from the previous fiscal year. - FY2019-Q3MitigatedAnnual report
「Provision for interest refund losses 25,120 19,381」
The balance of the provision for interest refund losses decreased from ¥25.12 billion at the end of the previous consolidated fiscal year to ¥19.381 billion. - FY2019-Q2MitigatedAnnual report
「Provision for interest refund losses 9,504 3,299」
The provision for interest refund losses decreased from ¥9.504 billion in the same period of the previous year to ¥3.299 billion, and the provision balance at period-end also decreased from ¥25.12 billion to ¥21.775 billion. - FY2019-Q1MitigatedAnnual report
「Although the provision for interest refund losses decreased, general expenses and provision for loan losses increased, resulting in an overall increase in operating expenses.」
The provision for interest refund losses decreased from the same period of the previous year. The balance of the provision for interest refund losses at period-end also decreased from ¥25.12 billion to ¥23.692 billion. - FY2018-Q3RestatedAnnual report
「In addition, based on the amount of interest refunds and recent refund trends, ¥13.8 billion was charged to the provision for interest refund losses in the third quarter of the consolidated cumulative period.」
The company continued to provide for interest refund losses based on the amount of interest refunds and recent refund trends, recording ¥13.8 billion for the nine months ended the third quarter. - FY2018-Q2RestatedAnnual report
「In addition, based on the amount of interest refunds and recent refund trends, ¥9.5 billion was charged to the provision for interest refund losses in the second quarter of the consolidated cumulative period.」
Based on the amount of excess interest payments refunded and recent refund trends, the Company continues to record provisions for losses on refunds of excess interest payments. - FY2018-Q1RestatedAnnual report
「Based on the amount of excess interest payments refunded and recent refund trends, the Company recorded ¥5.5 billion in provisions for losses on refunds of excess interest payments in the first quarter.」
Based on the amount of excess interest payments refunded and recent refund trends, the Company continues to record provisions for losses on refunds of excess interest payments. - FY2017RestatedAnnual report
「The total amount of waived and refunded excess interest was ¥15.4 billion in the previous consolidated fiscal year and ¥15.3 billion in the current consolidated fiscal year. To address the risk of future claims, the Company added ¥17.1 billion to provisions for losses on refunds of excess interest payments as of the end of the current consolidated fiscal year, bringing the balance to ¥25.5 billion.」
The Company continues to disclose the risk associated with excess interest refunds, reporting full-year refunds of ¥15.3 billion, additions to provisions of ¥17.1 billion during the fiscal year, and an ending provision balance of ¥25.5 billion. - FY2017-Q3RestatedAnnual report
「Based on the amount of excess interest payments refunded and recent refund trends, the Company recorded ¥10.4 billion in provisions for losses on refunds of excess interest payments in the cumulative third-quarter consolidated period, while credit-related expenses remained at the previous year's level.」
The Company continued to provide for losses associated with excess interest refunds, recording ¥10.4 billion in provisions for the cumulative third quarter. - FY2017-Q2RestatedAnnual report
「Based on the amount of excess interest payments refunded and recent refund trends, the Company recorded ¥7.7 billion in provisions for losses on refunds of excess interest payments in the cumulative second-quarter consolidated period.」
The Company continued to provide for losses associated with excess interest refunds, recording ¥7.7 billion in provisions on a cumulative quarterly basis. - FY2017-Q1First statedAnnual report
「Based on the amount of excess interest payments refunded and recent refund trends, the Company recorded ¥3.6 billion in provisions for losses on refunds of excess interest payments in the first quarter.」
Based on excess interest refunds and recent refund trends, the Company recorded a ¥3.6 billion provision.