Credit Risk Management Through Internal Credit Ratings, Credit Limits and Collateral
First written in FY2017-Q1. 20 of 22 entries say "Restated". Latest entry: FY2026-H1.
The whole theme swung hardest in 2020: 25 of 48 companies on the "Worse" side.
3 other companies' latest entry also says "Restated".
- FY2026-H1RestatedAnnual report
「Nomura is exposed to credit risk, including declines in the value of receivables and defaults resulting from deterioration in a debtor’s creditworthiness or bankruptcy. Credit risk related to lending and other activities is managed on the basis of credit management based on internal ratings, through thorough reviews of each individual transaction when loans are originated and ongoing monitoring of the debtor’s creditworthiness after loan origination.」
Nomura continues to manage credit risk through internal ratings, individual reviews when loans are originated, and monitoring of borrowers’ creditworthiness after loan origination. - FY2025-H1RestatedAnnual report
「Credit risk related to lending and other activities is managed on the basis of credit management based on internal ratings, through thorough reviews of each individual transaction when loans are originated and ongoing monitoring of the debtor’s creditworthiness after loan origination.」
Nomura continues to manage credit risk through internal ratings, individual reviews when loans are originated, and monitoring of borrowers’ creditworthiness after loan origination. - FY2024-Q3RestatedAnnual report
「Nomura is exposed to credit risk, including declines in the value of receivables and defaults resulting from deterioration in a debtor’s creditworthiness or bankruptcy. Credit risk related to lending and other activities is managed on the basis of credit management based on internal ratings, through thorough reviews of each individual transaction when loans are originated and ongoing monitoring of the debtor’s creditworthiness after loan origination.」
Nomura continues to manage credit risk through internal ratings, individual reviews when loans are originated, and monitoring of borrowers’ creditworthiness after loan origination. The CECL allowance was ¥3.916 billion at the end of the current quarter. - FY2024-Q1RestatedAnnual report
「Nomura is exposed to credit risk, including declines in the value of receivables and defaults resulting from deterioration in a debtor’s creditworthiness or bankruptcy. Credit risk related to lending and other activities is managed on the basis of credit management based on internal ratings, through thorough reviews of each individual transaction when loans are originated and ongoing monitoring of the debtor’s creditworthiness after loan origination.」
Nomura continues to manage credit risk through internal ratings, individual reviews when loans are originated, and monitoring of borrowers’ creditworthiness after loan origination. The CECL allowance was ¥5.948 billion at the end of the current quarter. - FY2023-Q3RestatedAnnual report
「Credit quality indicators」
Nomura continues to conduct credit management based on internal ratings, individual reviews when loans are originated, and ongoing monitoring of borrowers’ creditworthiness after loan origination. The CECL allowance was ¥64.039 billion at the end of the current quarter. - FY2023-Q2RestatedAnnual report
「Credit quality indicators」
Nomura continues to conduct credit management based on internal ratings, individual reviews when loans are originated, and ongoing monitoring of borrowers’ creditworthiness after loan origination. The CECL allowance was ¥72.156 billion at the end of the second quarter. - FY2023-Q1RestatedAnnual report
「Credit quality indicators」
Nomura continues to conduct credit management based on internal ratings, individual reviews when loans are originated, and ongoing monitoring of borrowers’ creditworthiness after loan origination. The CECL allowance was ¥70.1 billion at the end of the current quarter. - FY2022-Q3RestatedAnnual report
「Nomura's credit risk management process includes the following: • Assessing the probability of counterparty default • Assigning internal ratings to all active counterparties • Approving the extension of credit and the setting of credit limits • Measuring, monitoring and managing current and potential future exposure • Setting credit risk terms in contracts • Using appropriate credit risk mitigation techniques, including close-out netting, collateral calls and hedging」
Continuing credit risk management through internal ratings, credit limits, exposure measurement, contractual terms, collateral calls and hedging. - FY2022-Q2RestatedAnnual report
「Nomura's credit risk management process includes the following: • Assessing the probability of counterparty default • Assigning internal ratings to all active counterparties • Approving the extension of credit and the setting of credit limits • Measuring, monitoring and managing current and potential future exposure • Setting credit risk terms in contracts • Using appropriate credit risk mitigation techniques, including close-out netting, collateral calls and hedging」
Continuing credit risk management through internal ratings, credit limits, exposure measurement, contractual terms, collateral calls and hedging. - FY2021-Q3RestatedAnnual report
「Nomura's credit risk management process includes the following: • Assessing the probability of counterparty default • Assigning internal ratings to all active counterparties • Approving the extension of credit and the setting of credit limits • Measuring, monitoring and managing current and potential future exposure • Setting credit risk terms in contracts • Using appropriate credit risk mitigation techniques, including close-out netting, collateral calls and hedging」
Continuing credit risk management through internal ratings, credit limits, exposure measurement, contractual terms, collateral calls and hedging, while also operating current expected credit loss measurement. - FY2021-Q2RestatedAnnual report
「Nomura's credit risk management process includes the following: • Assessing the probability of counterparty default • Assigning internal ratings to all active counterparties • Approving the extension of credit and the setting of credit limits • Measuring, monitoring and managing current and potential future exposure • Setting credit risk terms in contracts • Using appropriate credit risk mitigation techniques, including close-out netting, collateral calls and hedging」
Continuing credit risk management through internal ratings, credit limits, exposure measurement, contractual terms, collateral calls and hedging, while also operating current expected credit loss measurement. - FY2021-Q1AdvancedAnnual report
「Current expected credit losses for an individual financial instrument or portfolio of financial instruments are measured at the reporting date based on expected credit losses over the expected life of the financial instrument, taking into account all available and supportable information relevant to the collectability of cash flows, including information on past events, current conditions and forecasts of future conditions.」
In addition to the existing management framework using internal ratings, credit limits and collateral calls, the current expected credit loss model was implemented following the adoption of ASU 2016-13. Forward-looking forecasts are based on the weighted average of multiple scenarios covering the next 3 years. - FY2020-Q2RestatedAnnual report
「Nomura's credit risk management process includes the following: • Assessing the probability of counterparty default • Assigning internal ratings to all active counterparties • Approving the extension of credit and the setting of credit limits • Measuring, monitoring and managing current and potential future exposure • Setting credit risk terms in contracts • Using appropriate credit risk mitigation techniques, including close-out netting, collateral calls and hedging」
Continuing credit risk management through internal ratings, credit limits, exposure measurement, contractual terms, collateral calls, hedging and related measures. - FY2020-Q1RestatedAnnual report
「Nomura's credit risk management process includes the following: • Assessing the probability of counterparty default • Assigning internal ratings to all active counterparties • Approving the extension of credit and the setting of credit limits • Measuring, monitoring and managing current and potential future exposure • Setting credit risk terms in contracts • Using appropriate credit risk mitigation techniques, including close-out netting, collateral calls and hedging」
Continuing credit risk management through internal ratings, credit limits, exposure measurement, contractual terms, collateral calls, hedging and related measures. - FY2019-Q3RestatedAnnual report
「Nomura's credit risk management process includes the following: • Assessing the probability of counterparty default • Assigning internal ratings to all active counterparties • Approving the extension of credit and the setting of credit limits • Measuring, monitoring and managing current and potential future exposure • Setting credit risk terms in contracts • Using appropriate credit risk mitigation techniques, including close-out netting, collateral calls and hedging」
Continuing credit risk management through internal ratings, credit limits, exposure measurement, contractual terms, collateral calls, hedging and related measures. - FY2019-Q1RestatedAnnual report
「Nomura's credit risk management process includes the following: • Assessing the probability of counterparty default • Assigning internal ratings to all active counterparties • Approving the extension of credit and the setting of credit limits • Measuring, monitoring and managing current and potential future exposure • Setting credit risk terms in contracts • Using appropriate credit risk mitigation techniques, including close-out netting, collateral calls and hedging」
Continuing credit risk management through internal ratings, credit limits, exposure measurement, contractual terms, collateral calls, hedging and related measures. - FY2018-Q3RestatedAnnual report
「Nomura's credit risk management process includes the following: • Assessing the probability of counterparty default • Assigning internal ratings to all active counterparties • Approving the extension of credit and the setting of credit limits • Measuring, monitoring and managing current and potential future exposure • Setting credit risk terms in contracts • Using appropriate credit risk mitigation techniques, including close-out netting, collateral calls and hedging」
Continuing credit risk management through internal ratings, credit limits, exposure measurement, contractual terms, collateral calls, hedging and related measures. - FY2018-Q2RestatedAnnual report
「Nomura's credit risk management process includes the following: • Assessing the probability of counterparty default • Assigning internal ratings to all active counterparties • Approving the extension of credit and the setting of credit limits • Measuring, monitoring and managing current and potential future exposure • Setting credit risk terms in contracts • Using appropriate credit risk mitigation techniques, including close-out netting, collateral calls and hedging」
Continuing credit risk management through internal ratings, credit limits, exposure measurement, contractual terms, collateral calls, hedging and related measures. - FY2018-Q1RestatedAnnual report
「The credit risk management process includes the following: • Assessing the probability of counterparty default • Assigning internal ratings to all active counterparties • Approving the extension of credit and the setting of credit limits • Measuring, monitoring and managing current and potential future exposure • Using appropriate credit risk mitigation techniques, including close-out netting, collateral calls and hedging」
Continuing credit risk management through internal ratings, credit limits, exposure measurement, collateral calls, hedging and related measures. - FY2017-Q3RestatedAnnual report
「These policies, which establish the basic credit risk management policy, were formulated with the approval of the Integrated Risk Management Meeting and the Global Risk Strategic Committee (GRSC). Based on these policies, credit limits for counterparties are set with the approval of credit officers granted the requisite approval authority.」
Continuing credit risk mitigation through internal ratings, credit limits, exposure measurement, collateral terms, close-out netting, collateral calls and hedging. - FY2017-Q2RestatedAnnual report
「These policies, which establish the basic credit risk management policy, were formulated with the approval of the Integrated Risk Management Meeting and the Global Risk Strategic Committee (GRSC). Based on these policies, credit limits for counterparties are set with the approval of credit officers granted the requisite approval authority.」
Continuing credit risk mitigation through internal ratings, credit limits, exposure measurement, collateral terms, close-out netting, collateral calls and hedging. - FY2017-Q1First statedAnnual report
「These policies, which establish the basic credit risk management policy, were formulated with the approval of the Integrated Risk Management Meeting and the Global Risk Strategic Committee (GRSC). Based on these policies, credit limits for counterparties are set with the approval of credit officers granted the requisite approval authority.」
A management process covering internal ratings, credit limits, measurement of current and potential future exposure, collateral terms, and mitigation techniques including close-out netting, collateral calls and hedging.