Deterioration in the Loss Ratio for Retained Credit Risk
First written in FY2016. 15 of 39 entries say "Worsened", first in FY2022. Latest entry: FY2026.
eGuarantee moved to the "Worse" side of this theme in 2022.
The whole theme swung hardest in 2022: 3 of 6 companies on the "Worse" side.
2 other companies' latest entry also says "Worsened".
- FY2026WorsenedAnnual report
「Of the guarantee obligations arising from assumed credit risk as of the end of March 2026, guarantee obligations related to the accounts receivable guarantee service totaled ¥911,349.373 million. Of these obligations, the guarantee obligations related to the accounts receivable guarantee service for which the group retains the risk amounted to ¥146,668.969 million.」
The amount retained by the company was ¥146,668.969 million, up from ¥132,560.859 million at the end of the previous fiscal year. - FY2026-H1WorsenedAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥869,056.856 million. Of these guarantee obligations, ¥729,902.941 million is covered by insurance and guarantees provided by financial institutions and other entities.」
The amount retained by the company, calculated as the difference between the guarantee obligations and the amount covered by insurance and guarantees, was ¥139,153.915 million, up from ¥132,560.859 million at the end of FY2025. - FY2025WorsenedAnnual report
「Of the guarantee obligations arising from assumed credit risk as of the end of March 2025, guarantee obligations related to the accounts receivable guarantee service totaled ¥826,010.006 million. Of these obligations, the guarantee obligations related to the accounts receivable guarantee service for which the group retains the risk amounted to ¥132,560.859 million.」
The amount retained by the company was ¥132,560.859 million, up from ¥116,529.296 million at the end of FY2024. - FY2025-H1WorsenedAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥791,737.200 million. Of these guarantee obligations, ¥666,054.827 million is covered by insurance and guarantees provided by financial institutions and other entities.」
Of the ¥791,737.200 million in guarantee obligations, ¥666,054.827 million was covered, resulting in an amount retained by the company of ¥125,682.373 million. This was up from the ¥116,529.296 million retained at the end of FY2024. - FY2024WorsenedAnnual report
「Of the guarantee obligations arising from assumed credit risk as of the end of March 2024, guarantee obligations related to the accounts receivable guarantee service totaled ¥751,842.150 million. Of these obligations, the guarantee obligations related to the accounts receivable guarantee service for which the group retains the risk amounted to ¥116,529.296 million.」
The amount retained by the company was ¥116,529.296 million, up from ¥106,113.718 million at the end of FY2023. - FY2024-Q3WorsenedAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥769,955.657 million. Of these guarantee obligations, ¥650,487.179 million is covered by insurance and guarantees provided by financial institutions and other entities.」
The amount retained by the company, calculated as the difference between the guarantee obligations and the covered amount, was ¥119,468.478 million, up from ¥113,975.886 million in FY2024-Q2. - FY2024-Q2WorsenedAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥731,844.012 million. Of these guarantee obligations, ¥617,868.126 million is covered by insurance and guarantees provided by financial institutions and other entities.」
The amount retained by the company, calculated as the difference between the guarantee obligations and the amount covered by insurance and guarantees, was ¥113,975.886 million, up from ¥106,113.718 million at the end of FY2023 and ¥109,075.460 million in FY2024-Q1. No guarantee payments in excess of assumptions were reported. - FY2024-Q1WorsenedAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥699,360.358 million. Of these guarantee obligations, ¥590,284.898 million is covered by insurance and guarantees provided by financial institutions and other entities.」
Of the ¥699,360.358 million in guarantee obligations, ¥590,284.898 million was covered, resulting in an amount retained by the company of ¥109,075.460 million. This was up from the ¥106,113.718 million retained at the end of FY2023. - FY2023WorsenedAnnual report
「Of the guarantee obligations arising from assumed credit risk as of the end of March 2023, guarantee obligations related to the accounts receivable guarantee service totaled ¥681,320.563 million. Of these obligations, the guarantee obligations related to the accounts receivable guarantee service for which the group retains the risk amounted to ¥106,113.718 million.」
The amount of accounts receivable guarantee obligations retained by the company was ¥106,113.718 million, up from ¥96,941.159 million at the end of FY2022. - FY2023-Q3WorsenedAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥644,462.146 million. Of these guarantee obligations, ¥538,746.264 million is covered by insurance and guarantees provided by financial institutions and other entities.」
The amount retained by the company, calculated by deducting the amount covered by insurance and guarantees from the guarantee obligations, was ¥105,715.882 million, up from approximately ¥102,149.837 million in FY2023-Q2. No guarantee payments in excess of assumptions were reported. - FY2023-Q2WorsenedAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥618,872.940 million. Of these guarantee obligations, ¥516,723.103 million is covered by insurance and guarantees provided by financial institutions and other entities.」
The company disclosed guarantee obligations of ¥618,872.940 million and covered amounts of ¥516,723.103 million. The amount retained by the company, calculated as the difference, was approximately ¥102,150 million, up from approximately ¥99,086 million in FY2023-Q1. No guarantee payments in excess of assumptions were reported. - FY2023-Q1WorsenedAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥597,802.115 million Of these guarantee obligations, ¥498,716.039 million is covered by insurance and guarantees provided by financial institutions and other entities.」
The company disclosed guarantee obligations of ¥597,802.115 million and covered amounts of ¥498,716.039 million. The amount retained by the company, calculated as the difference between the guarantee obligations and the covered amount, was approximately ¥99,086 million, up from approximately ¥96,941 million at the end of FY2022. - FY2022WorsenedAnnual report
「Of the guarantee obligations arising from assumed credit risk as of the end of March 2022, guarantee obligations related to the accounts receivable guarantee service totaled ¥582,259.140 million. Of these obligations, the guarantee obligations related to the accounts receivable guarantee service for which the group retains the risk amounted to ¥96,941.159 million.」
The guarantee obligations for accounts receivable guarantees retained by the company amounted to ¥96,941.159 million, up from ¥73,302.703 million in the previous fiscal year. No guarantee payments in excess of assumptions were reported. - FY2022-Q3Quarterly update of guarantee obligations and covered amountsAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥546,905.190 million. Of these guarantee obligations, ¥447,969.129 million is covered by insurance and guarantees provided by financial institutions and other entities.」
The guarantee obligations as of the end of the third quarter and the amounts covered by insurance and guarantees provided by financial institutions and other entities were updated. No guarantee payments in excess of assumptions were reported. - FY2022-Q2Quarterly update of guarantee obligations and covered amountsAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥523,703.168 million. Of these guarantee obligations, ¥434,652.470 million is covered by insurance and guarantees provided by financial institutions and other entities.」
The guarantee obligations as of the end of the second quarter and the amounts covered by insurance and guarantees provided by financial institutions and other entities were updated. - FY2022-Q1Quarterly update of guarantee obligations and covered amountsAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥487,399.092 million. Of these guarantee obligations, ¥407,161.397 million is covered by insurance and guarantees provided by financial institutions and other entities.」
The guarantee obligations as of the end of the first quarter and the amounts covered by insurance and guarantees provided by financial institutions and other entities were updated. No guarantee payments in excess of assumptions were reported. - FY2021Annual update of guarantee obligations retained by the companyAnnual report
「Of the guarantee obligations arising from assumed credit risk as of the end of March 2021, guarantee obligations related to the accounts receivable guarantee service totaled ¥482,232.406 million. Of these obligations, the guarantee obligations related to the accounts receivable guarantee service for which the group retains the risk amounted to ¥73,302.703 million.」
It was disclosed that the group retained ¥73,302.703 million of the ¥482,232.406 million in accounts receivable guarantee obligations at the end of March 2021. No guarantee payments in excess of assumptions were reported. - FY2021-Q3Quarterly update of guarantee obligations and covered amountsAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥454,769.425 million Guarantee obligations related to the purchased receivables guarantee service: ¥0 million Of these guarantee obligations, ¥385,643.827 million is covered by insurance and guarantees provided by financial institutions and other entities.」
It was disclosed that, as of the end of the third quarter, guarantee obligations related to the accounts receivable guarantee service totaled ¥454,769.425 million, of which ¥385,643.827 million is covered by insurance and guarantees provided by financial institutions and other entities. - FY2021-Q2Quarterly update of guarantee obligations and covered amountsAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥435,743.285 million; guarantee obligations related to the purchased receivables guarantee service: ¥0. Of these guarantee obligations, ¥378,223.537 million is covered by insurance and guarantees provided by financial institutions and other entities.」
The guarantee obligations as of the end of the second quarter and the amounts covered by insurance and guarantees provided by financial institutions and other entities were updated. - FY2021-Q1Quarterly update of guarantee obligations and covered amountsAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥434,107.965 million; guarantee obligations related to the purchased receivables guarantee service: ¥0 million. Of these guarantee obligations, ¥379,409.215 million is covered by insurance and guarantees provided by financial institutions and other entities.」
It was disclosed that, as of the end of the first quarter, guarantee obligations related to the accounts receivable guarantee service totaled ¥434,107.965 million, of which ¥379,409.215 million is covered by insurance and guarantees provided by financial institutions and other entities. - FY2020Annual update of guarantee obligations retained by the companyAnnual report
「Of these guarantee obligations, the guarantee obligations related to the accounts receivable guarantee service for which the group retains the risk amounted to ¥59,481.325 million, while those related to the purchased receivables guarantee service amounted to ¥465.426 million.」
The company disclosed that, as of the end of March 2020, the amounts retained were ¥5,948.1325 million for accounts receivable guarantees and ¥465.426 million for purchased receivables guarantees. No guarantee payments in excess of assumptions were reported. - FY2020-Q3Quarterly update of guarantee obligations and covered amountsAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥420,734.730 million Guarantee obligations related to the purchased receivables guarantee service: ¥1,368.226 million Of these guarantee obligations, ¥350,635.326 million related to the accounts receivable guarantee service is covered by insurance and guarantees provided by financial institutions and other entities.」
The guarantee obligations as of the end of the third quarter and the amounts covered by insurance and guarantees provided by financial institutions and other entities were updated. No guarantee payments in excess of assumptions were reported. - FY2020-Q2Quarterly update of guarantee obligations and covered amountsAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥409,557.210 million Guarantee obligations related to the purchased receivables guarantee service: ¥686.093 million Of these guarantee obligations, ¥341,007.335 million related to the accounts receivable guarantee service is covered by insurance and guarantees provided by financial institutions and other entities.」
The guarantee obligations as of the end of the second quarter and the amounts covered by insurance and guarantees provided by financial institutions and other entities were updated. No guarantee payments in excess of assumptions were reported. - FY2020-Q1Quarterly update of guarantee obligations and covered amountsAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥398,694.200 million Guarantee obligations related to the purchased receivables guarantee service: ¥1,143.874 million Of these guarantee obligations, ¥335,473.917 million related to the accounts receivable guarantee service is covered by insurance and guarantees provided by financial institutions and other entities.」
The guarantee obligations as of the end of the first quarter and the amounts covered by insurance and guarantees provided by financial institutions and other entities were updated. No guarantee payments in excess of assumptions were reported. - FY2019Annual update of guarantee obligations retained by the companyAnnual report
「Of these guarantee obligations, the guarantee obligations related to the accounts receivable guarantee service for which the group retains the risk amounted to ¥58,608.222 million, while those related to the purchased receivables guarantee service amounted to ¥521.287 million.」
The company disclosed that, as of the end of FY2019, the amounts retained were ¥5,860.822 million for accounts receivable guarantees and ¥521.287 million for purchased receivables guarantees. No guarantee payments in excess of assumptions were reported. - FY2019-Q3Guarantee obligations and covered amount updatedAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥379,964.295 million Guarantee obligations related to the purchased receivables guarantee service: ¥1,604.152 million Of these guarantee obligations, ¥323,023.866 million related to the accounts receivable guarantee service is covered by insurance and guarantees provided by financial institutions and other entities.」
The guarantee obligations as of the end of the third quarter and the amounts covered by insurance and guarantees provided by financial institutions and other entities were updated. No guarantee payments in excess of assumptions were reported. - FY2019-Q2Guarantee obligations and covered amount updatedAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥364,625.445 million Guarantee obligations related to the purchased receivables guarantee service: ¥617.073 million Of these guarantee obligations, ¥308,965.283 million related to the accounts receivable guarantee service is covered by insurance and guarantees provided by financial institutions and other entities.」
The guarantee obligations as of the end of the second quarter and the amounts covered by insurance and guarantees provided by financial institutions and other entities were updated. No guarantee payments in excess of assumptions were reported. - FY2019-Q1Guarantee obligations and covered amount updatedAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥355,153.425 million Guarantee obligations related to the purchased receivables guarantee service: ¥7,852.670 million Of these guarantee obligations, ¥313,112.632 million related to the accounts receivable guarantee service is covered by insurance and guarantees provided by financial institutions and other entities.」
The guarantee obligations as of the end of the first quarter and the amounts covered by insurance and guarantees provided by financial institutions and other entities were updated. No guarantee payments in excess of assumptions were reported. - FY2018Annual update of guarantee obligations and amounts retained by the companyAnnual report
「Of the guarantee obligations arising from assumed credit risk as of the end of March 2018, guarantee obligations related to the accounts receivable guarantee service totaled ¥342,892.705 million and those related to the purchased receivables guarantee service totaled ¥2,454.173 million. Of these obligations, the guarantee obligations related to the accounts receivable guarantee service for which the group retains the risk amounted to ¥41,892.048 million, while those related to the purchased receivables guarantee service amounted to ¥2,454.173 million.」
The company disclosed that the amounts retained were ¥41,892.048 million for accounts receivable guarantees and ¥2,454.173 million for purchased receivables guarantees. No guarantee payments in excess of assumptions were reported. - FY2018-Q3Guarantee obligations and covered amount updatedAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥327,278.180 million Guarantee obligations related to the purchased receivables guarantee service: ¥7,255.146 million Of these guarantee obligations, ¥295,561.975 million related to the accounts receivable guarantee service is covered by insurance and guarantees provided by financial institutions and other entities.」
It was disclosed that, as of the end of the third quarter, guarantee obligations related to the accounts receivable guarantee service totaled ¥327,278.180 million and those related to the purchased receivables guarantee service totaled ¥7,255.146 million, of which ¥295,561.975 million of the accounts receivable guarantee service obligations is covered by insurance and guarantees provided by financial institutions and other entities. No guarantee payments in excess of assumptions were reported. - FY2018-Q2Guarantee obligations and covered amount updatedAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥315,414.370 million Guarantee obligations related to the purchased receivables guarantee service: ¥2,785.551 million Of these guarantee obligations, ¥274,656.431 million related to the accounts receivable guarantee service is covered by insurance and guarantees provided by financial institutions and other entities.」
It was disclosed that, as of the end of the second quarter, guarantee obligations related to the accounts receivable guarantee service totaled ¥315,414.370 million and those related to the purchased receivables guarantee service totaled ¥2,785.551 million, of which ¥274,656.431 million of the accounts receivable guarantee service obligations is covered by insurance and guarantees provided by financial institutions and other entities. No guarantee payments in excess of assumptions were reported. - FY2018-Q1Guarantee obligations and covered amount updatedAnnual report
「The ¥302,031.600 million in guarantee obligations related to the accounts receivable guarantee service is covered by insurance and guarantees provided by financial institutions and other entities.」
It was disclosed that, as of the end of the first quarter, guarantee obligations related to the accounts receivable guarantee service totaled ¥302,031.600 million, of which ¥261,528.666 million is covered by insurance and guarantees provided by financial institutions and other entities. No guarantee payments in excess of assumptions were reported. - FY2017Annual update of guarantee obligations retained by the companyAnnual report
「Of these guarantee obligations, the guarantee obligations related to the accounts receivable guarantee service for which the group retains the risk amounted to ¥40,213.990 million, while those related to the purchased receivables guarantee service amounted to ¥3,688.914 million.」
The company disclosed that the amounts retained were ¥4,021.399 million for accounts receivable guarantees and ¥368.891 million for purchased receivables guarantees. No guarantee payments in excess of assumptions were reported. - FY2017-Q3Balance and covered amount updatedAnnual report
「Guarantee obligations related to the accounts receivable guarantee service: ¥282,966.560 million Guarantee obligations related to the purchased receivables guarantee service: ¥5,216.963 million Of these guarantee obligations, ¥234,016.042 million related to the accounts receivable guarantee service is covered by insurance and guarantees provided by financial institutions and other entities.」
It was disclosed that, as of the end of the third quarter, guarantee obligations related to the accounts receivable guarantee service totaled ¥282,966.560 million and those related to the purchased receivables guarantee service totaled ¥5,216.963 million, of which ¥234,016.042 million of the accounts receivable guarantee service obligations is covered by insurance and guarantees provided by financial institutions and other entities. - FY2017-Q2Balance and covered amount updatedAnnual report
「The ¥275,543.960 million in guarantee obligations related to the accounts receivable guarantee service is covered by insurance and guarantees provided by financial institutions and other entities.」
It was disclosed that guarantee obligations related to the accounts receivable guarantee service totaled ¥275,543.960 million and those related to the purchased receivables guarantee service totaled ¥3,364.635 million, of which ¥223,497.376 million of the accounts receivable guarantee service obligations is covered by insurance and guarantees provided by financial institutions and other entities. - FY2017-Q1Balance and covered amount updatedAnnual report
「Of these guarantee obligations, ¥214,814.636 million related to the accounts receivable guarantee service is covered by insurance and guarantees provided by financial institutions and other entities.」
It was disclosed that, of the ¥265,349.930 million in guarantee obligations related to the accounts receivable guarantee service, ¥214,814.636 million is covered by insurance and guarantees provided by financial institutions and other entities. - FY2016First statedAnnual report
「Of the guarantee obligations related to these matters, guarantee obligations relating to the accounts receivable guarantee service for which our group retains the risk amounted to ¥50,911.904 million, while those relating to the purchased receivables guarantee service amounted to ¥3,922.988 million.」
The amount of guarantee obligations retained by the company as of the end of March 2016 is disclosed.