Komori
Orient (8585) · RiskMitigated

Undrawn lending limits for cards and similar products

First written in FY2017-Q1. 13 of 30 entries say "Mitigated", first in FY2020-Q1. Latest entry: FY2026.

30entries
11years
0from disclosures
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How it moved
ProgressHeldSoftenedWorseRestatedFY2017-Q1 – FY2019-Q1WorsenedFY2021-Q1 – FY2022-Q3MitigatedFY2023-Q1 – FY20262016: 220162017: 320172018: 320182019: 420192020: 420202021: 420212022: 320222023: 420232024: 120242025: 120252026: 12026
Same theme, other companies
Undrawn Balances of Loan Commitments and Funding Provision ExposureA theme 20 companies write about · 19 as a headwind · 0 as a tailwind

The whole theme swung hardest in 2017: 4 of 10 companies on the "Worse" side.

9 other companies' latest entry also says "Mitigated".

Ridges = years it wrote progress, valleys = years it wrote worse. Most hopeful companies at the back. Drag to turn, scroll to zoom, right-drag to pan. On a phone, two fingers turn and pinch to zoom; one finger scrolls the page.
Showing 14 of the 20 companies compared. The sentences above are computed from all 20.
Full recordFilings, disclosures and news, newest first
  1. FY2026MitigatedAnnual report

    「Undrawn balance ¥1,434,887 million ¥1,434,824 million」

    The undrawn loan limit decreased slightly from ¥1,434,887 million at the end of the previous fiscal year to ¥1,434,824 million.
  2. FY2026-H1MitigatedAnnual report

    「Undrawn balance ¥1,434,887 million ¥1,434,698 million」

    The undrawn loan limit decreased slightly from ¥1,434,887 million at the end of the previous consolidated fiscal year to ¥1,434,698 million.
  3. FY2024-Q3MitigatedAnnual report

    「Undrawn balance ¥1,542,857 million ¥1,505,842 million」

    The undrawn loan limit decreased from ¥1,542,857 million at the end of the previous consolidated fiscal year to ¥1,505,842 million.
  4. FY2024-Q2MitigatedAnnual report

    「Undrawn balance ¥1,542,857 million ¥1,518,735 million」

    The undrawn loan limit decreased from ¥1,542,857 million at the end of the previous consolidated fiscal year to ¥1,518,735 million.
  5. FY2024-Q1MitigatedAnnual report

    「Undrawn balance ¥1,542,857 million ¥1,530,777 million」

    The undrawn loan limit decreased from ¥1,542,857 million at the end of the previous consolidated fiscal year to ¥1,530,777 million.
  6. FY2023MitigatedAnnual report

    「Undrawn balance ¥1,611,896 million ¥1,542,857 million」

    The undrawn loan limit decreased from ¥1,611,896 million at the end of the previous fiscal year to ¥1,542,857 million.
  7. FY2023-Q3MitigatedAnnual report

    「Undrawn balance ¥1,611,896 million ¥1,559,226 million」

    The undrawn loan limit decreased from ¥1,611,896 million at the end of the previous consolidated fiscal year to ¥1,559,226 million.
  8. FY2023-Q2MitigatedAnnual report

    「Undrawn balance ¥1,611,896 million ¥1,576,164 million」

    The undrawn loan limit decreased from ¥1,611,896 million at the end of the previous consolidated fiscal year to ¥1,576,164 million.
  9. FY2023-Q1MitigatedAnnual report

    「Undrawn balance ¥1,611,896 million ¥1,594,846 million」

    The undrawn loan limit decreased from ¥1,611,896 million at the end of the previous consolidated fiscal year to ¥1,594,846 million.
  10. FY2022-Q3WorsenedAnnual report

    「Undrawn balance ¥1,608,429 million ¥1,618,941 million」

    The undrawn loan limit increased from ¥1,608,429 million at the end of the previous consolidated fiscal year to ¥1,618,941 million. The explanation remains that the full amount is not necessarily drawn.
  11. FY2022-Q2WorsenedAnnual report

    「Undrawn balance ¥1,608,429 million ¥1,614,376 million」

    The undrawn loan limit increased from ¥1,608,429 million at the end of the previous consolidated fiscal year to ¥1,614,376 million. The explanation remains that the full amount is not necessarily drawn.
  12. FY2022-Q1WorsenedAnnual report

    「Undrawn balance ¥1,608,429 million ¥1,612,370 million」

    The undrawn loan limit increased from ¥1,608,429 million at the end of the previous consolidated fiscal year to ¥1,612,370 million. The explanation remains that the full amount is not necessarily drawn.
  13. FY2021WorsenedAnnual report

    「Undrawn balance ¥1,594,116 million ¥1,608,429 million」

    The undrawn loan limit increased from ¥1,594,116 million at the end of the previous fiscal year to ¥1,608,429 million. The explanation remains that the full amount is not necessarily drawn.
  14. FY2021-Q3WorsenedAnnual report

    「Undrawn balance ¥1,594,116 million ¥1,605,800 million」

    The undrawn loan limit increased from ¥1,594,116 million at the end of the previous consolidated fiscal year to ¥1,605,800 million. The explanation remains that, under the agreement, lending may be discontinued due to changes in credit conditions or other factors, and the full amount is not necessarily drawn.
  15. FY2021-Q2WorsenedAnnual report

    「Undrawn balance ¥1,594,116 million ¥1,603,018 million」

    The undrawn lending limits increased from ¥1,594,116 million at the end of the previous consolidated fiscal year to ¥1,603,018 million.
  16. FY2021-Q1WorsenedAnnual report

    「Undrawn balance ¥1,594,116 million ¥1,598,825 million」

    The undrawn lending limits increased from ¥1,594,116 million at the end of the previous consolidated fiscal year to ¥1,598,825 million. The company continues to explain that the full amount will not necessarily be drawn.
  17. FY2020MitigatedAnnual report

    「Undrawn balance ¥1,633,471 million ¥1,594,116 million」

    The undrawn lending limits decreased from ¥1,633,471 million at the end of the previous fiscal year to ¥1,594,116 million. The company also continues to explain that the full amount will not necessarily be drawn.
  18. FY2020-Q3MitigatedAnnual report

    「Undrawn balance ¥1,633,471 million ¥1,604,217 million」

    The undrawn lending limits decreased from ¥1,633,471 million at the end of the previous consolidated fiscal year to ¥1,604,217 million. The company also continues to explain that the full amount will not necessarily be drawn due to changes in credit status and other factors.
  19. FY2020-Q2MitigatedAnnual report

    「Undrawn balance ¥1,633,471 million ¥1,618,358 million」

    The undrawn lending limits decreased from ¥1,633,471 million at the end of the previous consolidated fiscal year to ¥1,618,358 million. The company also continues to explain that the full amount will not necessarily be drawn due to changes in credit status and other factors.
  20. FY2020-Q1MitigatedAnnual report

    「Undrawn balance ¥1,633,471 million ¥1,629,466 million」

    The undrawn lending limits decreased from ¥1,633,471 million at the end of the previous consolidated fiscal year to ¥1,629,466 million. The company continues to explain that the full amount will not necessarily be drawn due to changes in credit status and other factors.
  21. FY2019WorsenedAnnual report

    「Undrawn balance ¥1,451,560 million ¥1,633,471 million」

    The undrawn lending limits increased from ¥1,451,560 million at the end of the previous fiscal year to ¥1,633,471 million. The company continues to explain that the full amount will not necessarily be drawn.
  22. FY2019-Q3WorsenedAnnual report

    「Undrawn balance ¥1,451,560 million ¥1,633,592 million」

    The undrawn lending limits increased from ¥1,451,560 million at the end of March 2018 to ¥1,633,592 million at the end of December 2018. The company continues to explain that the full amount will not necessarily be drawn.
  23. FY2019-Q2WorsenedAnnual report

    「Undrawn balance ¥1,451,560 million ¥1,627,651 million」

    The undrawn lending limits increased from ¥1,451,560 million at the end of March 2018 to ¥1,627,651 million at the end of September 2018. The company continues to explain that, under the agreements, lending can be suspended due to changes in credit status and other factors, and the full amount will not necessarily be drawn.
  24. FY2019-Q1RestatedAnnual report

    「Undrawn balance ¥1,445,540 million」

    The company continues to disclose the undrawn lending limits granted for cards and other products. It also continues to explain that the full amount will not necessarily be drawn due to changes in credit status and other factors.
  25. FY2018-Q3RestatedAnnual report

    「Undrawn balance ¥1,453,307 million」

    The company continues to disclose the undrawn lending limits granted for cards and other products and to explain that the full amount will not necessarily be drawn due to changes in customers’ credit status and other factors.
  26. FY2018-Q2RestatedAnnual report

    「Undrawn balance ¥1,463,757 million」

    The company continues to disclose the undrawn lending limits granted for cards and other products and to explain that the full amount will not necessarily be drawn due to changes in customers’ credit status and other factors.
  27. FY2017RestatedAnnual report

    「Undrawn balance ¥1,497,786 million」

    The company continues to disclose the undrawn lending limits granted for cards and other products and to explain that the full amount will not necessarily be drawn due to changes in customers’ credit status and other factors.
  28. FY2017-Q3RestatedAnnual report

    「Undrawn balance ¥1,543,374 million」

    The company continues to disclose the undrawn lending limits granted to customers. It also continues to explain that, under the agreements, lending can be suspended based on credit status and other factors, and the full amount will not necessarily be drawn.
  29. FY2017-Q2RestatedAnnual report

    「Undrawn balance ¥1,549,562 million」

    The company discloses undrawn lending limits of ¥1,549,562 million.
  30. FY2017-Q1First statedAnnual report

    「Undrawn balance ¥1,548,690 million」

    The company discloses the undrawn lending limits granted to customers and explains that the full amount will not necessarily be drawn because lending can be suspended based on credit status and other factors.
Moved together

"Expansion of Credit Card Membership and Card Shopping Transaction Volume" moved the same way as this thread, in the same document, in 15 of its 30 moves.

15141313109★123456
  1. ★This thread
  2. 1Expansion of Credit Card Membership and Card Shopping Transaction Volume15×
  3. 2Interest Refund Losses Associated with Refunds of Overpayments14×
  4. 3Provision of Products Tailored to Financial Institutions’ Needs and Proposals to Expand Loan Sales13×
  5. 4Target of growing the payments and guarantee business into the fourth business13×
  6. 5Weak Personal Consumption and Uncertainty Surrounding Overseas Economies and Markets10×
  7. 6Expanding transaction volumes by developing partners and increasing merchant activity9×

★ is this thread; numbers match the list above. The number on a line is how many documents both moved the same way in; lines between the other threads count the documents they moved together in too. Threads that move together often sit closer.

When this could move next
Orient's next results are scheduled for 2026-10-30. Read the earnings preview
News
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