Increase in Non-Performing Loans and Credit Costs
First written in FY2016. 16 of 33 entries say "Mitigated", first in FY2018-Q1. Latest entry: 2026-08-07.
The whole theme swung hardest in 2020: 23 of 44 companies on the "Worse" side.
21 other companies' latest entry also says "Mitigated".
- 2026-08-07MitigatedEarnings
「The balance of disclosed claims under the Financial Reconstruction Act on a combined basis for the two banks decreased by ¥1,375 million from the end of the previous fiscal year to ¥35,362 million, mainly due to a decrease in risky claims. The ratio of disclosed claims under the Financial Reconstruction Act declined 0.16 percentage points from the end of the previous fiscal year to 1.64%.」
The balance and ratio of disclosed claims both declined from the end of the previous fiscal year. - FY2026MitigatedAnnual report
「Credit-related expenses decreased by ¥952 million from the previous fiscal year due to a decline in the processing of non-performing loans.」
Credit-related expenses decreased by ¥952 million from the previous fiscal year, and total consolidated disclosed claims also decreased from ¥39,668 million to ¥39,280 million. By bank, however, risky claims and other claims increased. - 2026-05-15MitigatedEarnings
「The balance of disclosed claims under the Financial Reconstruction Act on a combined basis for the two banks decreased by ¥178 million from the end of the previous fiscal year to ¥36,738 million, mainly due to a decrease in bankrupt and reorganization claims and similar claims. The ratio of disclosed claims under the Financial Reconstruction Act declined 0.05 percentage points from the end of the previous fiscal year to 1.80%.」
Credit-related expenses on a consolidated basis decreased from the previous fiscal year, while the balance and ratio of disclosed claims for the two banks combined also declined from the end of the previous fiscal year. - FY2026-H1Consolidated disclosed claims declined, with differing trends at individual banksAnnual report
「Provision for loan losses ¥1,513 million ¥492 million Total ¥39,668 million ¥39,114 million」
Provisions for loan losses decreased from ¥1,513 million in the same period of the previous year to ¥492 million, and total disclosed claims on a consolidated basis also decreased from ¥39,668 million to ¥39,114 million. By bank, disclosed claims declined at Shonai Bank while increasing at Hokuto Bank. - FY2025-H1Provisions for loan losses increased, and disclosed claims rose at individual banks while the consolidated total declinedAnnual report
「Provision for loan losses ¥678 million ¥1,513 million Total ¥40,345 million ¥39,048 million」
Provisions for loan losses increased year on year, while total disclosed claims on a consolidated basis decreased from the end of the previous fiscal year. Shonai Bank's disclosed claims totaled ¥20.2 billion, while Hokuto Bank's totaled ¥16.1 billion, with both increasing year on year. - FY2024-Q3Provisions for loan losses increased while disclosed claims declinedAnnual report
「Provision for loan losses ¥498 million ¥877 million Total ¥36,764 million ¥35,876 million」
Provisions for loan losses increased from ¥498 million in the same period of the previous year to ¥877 million, while total claims disclosed under the Financial Rehabilitation Act decreased from ¥36,764 million at the end of the previous fiscal year to ¥35,876 million. - FY2024-Q2Provisions for loan losses increased while risk-monitored claims declinedAnnual report
「Provision for loan losses ¥380 million ¥678 million Total ¥36,764 million ¥35,959 million」
Provisions for loan losses increased from ¥380 million in the same period of the previous year to ¥678 million, while total claims disclosed under the Financial Rehabilitation Act decreased from ¥36,764 million at the end of the previous fiscal year to ¥35,959 million. - FY2024-Q1MitigatedAnnual report
「Bankrupt and restructured claims and similar claims ¥8,683 million ¥9,278 million Risky claims ¥27,189 million ¥25,999 million Claims overdue by three months or more ¥0 million ¥0 million Restructured loans ¥891 million ¥688 million Total ¥36,764 million ¥35,966 million」
Total claims disclosed under the Financial Rehabilitation Act decreased from ¥36,764 million at the end of the previous fiscal year to ¥35,966 million. Reversal gains on the allowance for loan losses also increased from ¥6 million in the same period of the previous year to ¥381 million. - FY2023-Q3MitigatedAnnual report
「Bankrupt and restructured claims and similar claims ¥8,615 million ¥9,274 million Risky claims ¥23,896 million ¥20,994 million Claims overdue by three months or more ¥0 million ¥0 million Restructured loans ¥1,441 million ¥987 million Total ¥33,953 million ¥31,256 million」
Total claims disclosed under the Financial Rehabilitation Act decreased from ¥33,953 million at the end of the previous fiscal year to ¥31,256 million. Provisions for loan losses also decreased from ¥730 million in the same period of the previous year to ¥498 million. - FY2023-Q2MitigatedAnnual report
「Provision for loan losses ¥1,172 million ¥380 million Total ¥33,953 million ¥32,490 million」
Provisions for loan losses decreased from ¥1,172 million in the same period of the previous year to ¥380 million, and total bankrupt and restructured claims, risky claims, restructured loans and other claims also decreased from ¥33,953 million to ¥32,490 million. - FY2023-Q1MitigatedAnnual report
「Total ¥33,953 million ¥33,566 million」
Total claims disclosed under the Financial Rehabilitation Act decreased from ¥33,953 million at the end of March 2022 to ¥33,566 million at the end of June 2022. - FY2022WorsenedAnnual report
「Credit-related expenses for the current consolidated fiscal year amounted to ¥2,412 million, versus an initial plan of ¥3,200 million. The amount increased by ¥386 million from the previous fiscal year, partly because provisioning standards were tightened in anticipation of the post-COVID period.」
Credit-related expenses increased by ¥386 million from the previous fiscal year, although they came in below plan. Total claims disclosed under the Financial Reconstruction Commission Act also increased from ¥31,630 million to ¥33,953 million. - FY2022-Q3WorsenedAnnual report
「Provision for loan losses ¥403 million ¥730 million Total ¥28,366 million ¥29,437 million」
Provisions for loan losses increased from ¥403 million in the same period of the previous year to ¥730 million, and total risk-monitored claims also increased from ¥28,366 million at the end of the previous fiscal year to ¥29,437 million. Both credit costs and risk-monitored claims deteriorated. - FY2022-Q2WorsenedAnnual report
「Provision for loan losses ¥157 million ¥1,172 million Total ¥28,366 million ¥30,318 million」
Provisions for loan losses increased from ¥157 million in the same period of the previous year to ¥1,172 million, and total bankrupt and delinquent claims and other claims also increased from ¥28,366 million at the end of the previous fiscal year to ¥30,318 million. Both credit costs and risk-monitored claims deteriorated. - FY2022-Q1Risk-monitored claims declined while provisions for loan losses increasedAnnual report
「Provision for loan losses ¥156 million ¥305 million Total ¥28,366 million ¥27,813 million」
Provisions for loan losses increased from ¥156 million in the same period of the previous year to ¥305 million, while total risk-monitored claims decreased from ¥28,366 million at the end of the previous fiscal year to ¥27,813 million. Credit costs and risk-monitored claims moved in opposite directions. - FY2021WorsenedAnnual report
「Credit-related expenses for the current consolidated fiscal year amounted to ¥2,026 million, versus an initial plan of ¥2,400 million. The amount increased by ¥546 million from the previous fiscal year, mainly because of an increase in the processing of non-performing loans, including provisions for individually assessed loan losses.」
Credit-related expenses increased by ¥546 million from the previous fiscal year, although they came in below plan. Total credit risk-monitored claims also increased from ¥27,966 million to ¥28,366 million. - FY2021-Q3Risk-monitored claims edged up while provisions for loan losses declinedAnnual report
「Provision for loan losses ¥832 million ¥403 million Total ¥27,966 million ¥28,028 million」
Provisions for loan losses decreased from ¥832 million in the same period of the previous year to ¥403 million, while total risk-monitored claims edged up from ¥27,966 million at the end of the previous fiscal year to ¥28,028 million. Credit costs and risk-monitored claims moved in opposite directions. - FY2021-Q2MitigatedAnnual report
「Total 27,966 million 27,824 million」
Total bankrupt and delinquent claims and other claims decreased from ¥27,966 million at the end of the previous fiscal year to ¥27,824 million. Provisions for loan losses also decreased from ¥354 million in the same period of the previous year to ¥157 million. - FY2021-Q1MaterialisedAnnual report
「Provision for loan losses ¥63 million ¥156 million」
Provisions for loan losses increased from ¥63 million in the same period of the previous year to ¥156 million. Total risk-monitored claims also increased from ¥27,966 million at the end of the previous fiscal year to ¥28,643 million. - FY2020WorsenedAnnual report
「Credit-related expenses for the current consolidated fiscal year amounted to ¥1,479 million, versus an initial plan of ¥1,000 million. Based on interim results, the plan was revised to ¥1,400 million, and the final result was ¥1,479 million, broadly in line with the revised plan. The amount increased by ¥941 million from the previous fiscal year, mainly because of an increase in the processing of non-performing loans, including provisions for individually assessed loan losses.」
Credit-related expenses increased by ¥941 million year on year to ¥1,479 million, despite coming in below plan. Total risk-monitored claims declined, while credit costs increased. - FY2020-Q3Risk-monitored claims declined while provisions for loan losses increasedAnnual report
「Provision for loan losses ¥187 million ¥832 million Total ¥30,328 million ¥27,700 million」
Total risk-monitored claims decreased from ¥30,328 million at the end of the previous fiscal year to ¥27,700 million, while provisions for loan losses increased from ¥187 million in the same period of the previous year to ¥832 million. The credit risk indicator and credit costs moved in opposite directions. - FY2020-Q2MaterialisedAnnual report
「Consolidated ordinary expenses increased by ¥1,157 million, or 5.6%, year on year to ¥21,469 million, mainly due to increases in other ordinary expenses, including other operating expenses related to the leasing company that became a subsidiary and provisions for loan losses.」
A ¥354 million provision for loan losses was recorded, and higher credit costs were reflected in expenses for the interim period. Meanwhile, total risk-monitored claims decreased from ¥30,328 million at the end of the previous fiscal year to ¥27,844 million. - FY2020-Q1MitigatedAnnual report
「Total ¥30,328 million ¥27,478 million」
Total risk-monitored claims decreased from ¥30,328 million at the end of the previous fiscal year to ¥27,478 million. - FY2019MitigatedAnnual report
「The total amounts of loans to borrowers in legal bankruptcy, past-due loans, loans past due by 3 months or more, and restructured loans are as follows. Previous consolidated fiscal year (31 March 2018) Current consolidated fiscal year (31 March 2019) Total ¥33,971 million ¥30,328 million」
The total balance of loans subject to credit risk management decreased from ¥33,971 million at the end of the previous fiscal year to ¥30,328 million. The provision for loan losses also decreased from ¥763 million to ¥488 million. - FY2019-Q3MaterialisedAnnual report
「Although the Company steadily reduced expenses while offsetting the decline in the interest spread between loans and deposits through growth in net fees and commissions, consolidated ordinary profit and net profit attributable to owners of the parent both declined due to lower market-segment earnings, including interest and dividends on securities and gains and losses on sales, as well as higher credit-related expenses, among other factors.」
The increase in credit-related expenses was reflected in the results as a factor behind the decline in profit for the nine months ended 31 December. Meanwhile, the total balance of loans subject to risk management decreased from ¥33,971 million at the end of the previous fiscal year to ¥32,198 million. - FY2019-Q2MitigatedAnnual report
「The total amounts of loans to borrowers in legal bankruptcy, past-due loans, loans past due by 3 months or more, and restructured loans are as follows. Previous consolidated fiscal year (31 March 2018) Current interim consolidated accounting period (30 September 2018) Total ¥33,971 million ¥32,441 million」
The total balance of loans subject to credit risk management decreased from ¥33,971 million at the end of the previous fiscal year to ¥32,441 million. The reversal of the allowance for loan losses also decreased from ¥858 million in the same period of the previous year to ¥394 million. - FY2019-Q1MitigatedAnnual report
「Reversal of allowance for loan losses ¥607 million ¥102 million」
The reversal of the allowance for loan losses decreased from ¥607 million in the same period of the previous year to ¥102 million, while the total balance of loans subject to risk management decreased from ¥33,971 million to ¥33,551 million, with the decline in the credit risk indicator continuing. - FY2018MitigatedAnnual report
「Expenses decreased by ¥1,762 million, or 3.8%, from the previous consolidated fiscal year to ¥44,436 million, mainly due to the provision for loan losses.」
The provision for loan losses decreased from ¥2,752 million in the previous fiscal year to ¥763 million, and the total balance of loans subject to risk management also decreased from ¥38,120 million to ¥33,971 million. - FY2018-Q3MitigatedAnnual report
「Reversal of allowance for loan losses －¥ million ¥736 million Total ¥38,120 million ¥35,752 million」
A reversal of the allowance for loan losses of ¥736 million was recorded, and the total balance of loans subject to risk management also decreased from ¥38,120 million at the end of the previous consolidated fiscal year to ¥35,752 million. Credit costs and credit risk indicators continued to decline. - FY2018-Q2MitigatedAnnual report
「Consolidated ordinary expenses decreased by ¥234 million, or 1.0%, year on year to ¥21,117 million, mainly due to decreases in interest on deposits and other liabilities and the provision for loan losses.」
In addition to a decrease in the provision for loan losses, a reversal of the allowance for loan losses of ¥858 million was recorded, and the total balance of loans subject to risk management also decreased from ¥38,120 million at the end of the previous fiscal year to ¥36,558 million. - FY2018-Q1MitigatedAnnual report
「Reversal of allowance for loan losses ¥108 million ¥607 million」
The reversal of the allowance for loan losses increased from ¥108 million in the same period of the previous year to ¥607 million. The total balance of loans subject to risk management also decreased from ¥38,120 million at the end of the previous fiscal year to ¥37,630 million. - FY2017MaterialisedAnnual report
「Credit-related expenses increased by ¥479 million from the previous consolidated fiscal year to ¥3,113 million, mainly due to an increase in the provision for general allowance for loan losses.」
The increase in credit costs was reflected in the full-year results, rising by ¥479 million year on year. - FY2016First statedAnnual report
「Non-performing loans and credit costs may increase due to domestic and overseas economic trends, fluctuations in real estate and stock prices, and the business conditions of borrowers, among other factors.」
The factors contributing to credit risk include the economy, real estate and stock prices, and borrowers’ business conditions. Credit-related expenses are stated as ¥2,634 million.