Loan loss risk arising from changes in collateral values and customers’ repayment capacity
First written in FY2016. 15 of 35 entries say "Restated". Latest entry: FY2026.
Asax moved to the "Worse" side of this theme in 2024, 4 years after the typical company in this theme (2020).
The whole theme swung hardest in 2020: 24 of 45 companies on the "Worse" side.
20 other companies' latest entry also says "Worsened".
- FY2026WorsenedAnnual report
「Receivables overdue for 3 months or more ¥1,990,819 thousand ¥2,024,229 thousand」
Receivables overdue by three months or more increased from ¥1,990.819 million at the end of the previous fiscal year to ¥2,024.229 million. The disclosure indicates that, as the loan balance expands, overdue balances associated with credit risk are also increasing. - 2026-05-13WorsenedFinancial results
「Receivables overdue by three months or more ¥2,024.229 million」
Receivables overdue by three months or more amounted to ¥2,024.229 million, up from ¥1,990.819 million at the end of the previous fiscal year. - FY2026-H1RestatedAnnual report
「Receivables overdue for 3 months or more ¥1,970,728 thousand」
Receivables overdue for 3 months or more of ¥1,970,728 thousand was disclosed. This is the first period presented on an interim consolidated basis, so no comparative analysis was conducted against the previous interim consolidated accounting period or the previous consolidated fiscal year. - FY2025WorsenedAnnual report
「Receivables overdue for 3 months or more ¥1,456,510 thousand ¥1,990,819 thousand」
Receivables overdue for 3 months or more increased from ¥1,456,510 thousand at the end of the previous fiscal year to ¥1,990,819 thousand, and past-due balances related to credit risk deteriorated. - FY2025-H1WorsenedAnnual report
「Receivables overdue for 3 months or more ¥1,456,510 thousand ¥1,542,041 thousand」
Receivables overdue for 3 months or more increased from ¥1,456,510 thousand at the end of the previous fiscal year to ¥1,542,041 thousand, indicating deterioration in past-due balances related to credit risk. - FY2024WorsenedAnnual report
「Receivables overdue for 3 months or more ¥907,863 thousand ¥1,456,510 thousand」
Receivables overdue for 3 months or more increased from ¥907,863 thousand at the end of the previous fiscal year to ¥1,456,510 thousand. As the loan balance expanded, past-due balances related to credit risk deteriorated. - FY2024-Q3RestatedAnnual report
「During the cumulative third-quarter period, there were no new business risks and no material changes in the business risks described in the annual securities report for the preceding fiscal year.」
No material changes have been identified regarding credit risk arising from fluctuations in collateral values and customers' repayment capacity. - FY2024-Q2MitigatedAnnual report
「Receivables overdue for 3 months or more ¥907,863 thousand ¥905,760 thousand」
Receivables overdue for 3 months or more decreased slightly from ¥907,863 thousand at the end of the previous fiscal year to ¥905,760 thousand. - FY2023WorsenedAnnual report
「Receivables overdue for 3 months or more ¥907,863 thousand Performing receivables ¥87,946,942 thousand Total ¥88,854,805 thousand」
Although the presentation method for receivables classifications has changed, receivables overdue for 3 months or more amounted to ¥907,863 thousand, exceeding the ¥488,394 thousand of such receivables in the previous fiscal year. - FY2023-Q3RestatedAnnual report
「During the cumulative third-quarter period, there were no new business risks and no material changes in the business risks described in the annual securities report for the preceding fiscal year.」
No material changes have been identified regarding credit risk arising from fluctuations in collateral values and customers' repayment capacity. - FY2023-Q2MitigatedAnnual report
「Doubtful receivables ¥427,188 thousand Receivables overdue for 3 months or more ¥222,967 thousand Restructured loans —」
The combined total of doubtful receivables and receivables overdue for 3 months or more was ¥650,155 thousand for the current quarter. Because the receivables classifications differ from the ¥1,392,416 thousand disclosed for the previous fiscal year, simple comparisons require caution, but the current-quarter disclosure confirms the risk-related balance. - FY2023-Q1RestatedAnnual report
「During the cumulative first-quarter period, there were no new business or other risks, nor any material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes have been identified regarding credit risk arising from fluctuations in collateral values and customers' repayment capacity. - FY2022WorsenedAnnual report
「Past-due receivables ¥258,585 thousand ¥904,022 thousand Past-due receivables overdue for 3 months or more ¥781,843 thousand ¥488,394 thousand Restructured loans — — Total ¥1,040,428 thousand ¥1,392,416 thousand」
Total non-performing loans increased from ¥1,040,428 thousand at the end of the previous fiscal year to ¥1,392,416 thousand. While past-due receivables increased, receivables overdue for 3 months or more decreased, indicating changes in the breakdown. - FY2022-Q3RestatedAnnual report
「During the cumulative third-quarter period, there were no new business risks and no material changes in the business risks described in the annual securities report for the preceding fiscal year.」
No material changes have been identified regarding credit risk arising from fluctuations in collateral values and customers' repayment capacity. - FY2022-Q2WorsenedAnnual report
「Past-due receivables ¥258,585 thousand ¥881,611 thousand Past-due receivables overdue for 3 months or more ¥781,843 thousand ¥510,204 thousand Restructured loans — — Total ¥1,040,428 thousand ¥1,391,815 thousand」
Total non-performing loans increased from ¥1,040,428 thousand at the end of the previous fiscal year to ¥1,391,815 thousand. While past-due receivables increased, receivables overdue for 3 months or more decreased, indicating changes in the breakdown. - FY2022-Q1RestatedAnnual report
「During the cumulative first-quarter period, there were no new business or other risks, nor any material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes have been identified regarding credit risk arising from fluctuations in collateral values and customers' repayment capacity. - FY2021MitigatedAnnual report
「Past-due receivables ¥1,868,590 thousand ¥258,585 thousand Past-due receivables overdue for 3 months or more ¥677,505 thousand ¥781,843 thousand Restructured loans — — Total ¥2,546,095 thousand ¥1,040,428 thousand」
Total non-performing loans decreased from ¥2,546,095 thousand at the end of the previous fiscal year to ¥1,040,428 thousand. While past-due receivables decreased, receivables overdue for 3 months or more increased, indicating changes in the breakdown. - FY2021-Q3RestatedAnnual report
「During the cumulative third-quarter period, there were no new business risks and no material changes in the business risks described in the annual securities report for the preceding fiscal year.」
No material changes have been identified regarding credit risk arising from fluctuations in collateral values and customers' repayment capacity. - FY2021-Q2MitigatedAnnual report
「Past-due receivables ¥1,868,590 thousand ¥729,222 thousand Past-due receivables overdue for 3 months or more ¥677,505 thousand ¥110,573 thousand Restructured loans — — Total ¥2,546,095 thousand ¥839,795 thousand」
Total non-performing loans decreased from ¥2,546,095 thousand at the end of the previous fiscal year to ¥839,795 thousand. Both past-due receivables and receivables overdue for 3 months or more decreased, improving the disclosed balances related to credit risk. - FY2021-Q1MitigatedAnnual report
「If the real estate market deteriorates and land prices decline as a result of this event, the decline in the value of real estate held as collateral could raise doubts about the recoverability of receivables. However, because we set real estate collateral valuations and maximum lending limits conservatively, we estimate the allowance for loan losses on the assumption that there will be no impact from the spread of COVID-19.」
While recognizing the potential impact of declining collateral values on recoverability, the allowance for loan losses is estimated based on conservative collateral valuations and lending limits. - FY2020WorsenedAnnual report
「Past-due receivables ¥746,604 thousand ¥1,868,590 thousand Past-due receivables overdue for 3 months or more ¥538,713 thousand ¥677,505 thousand Restructured loans — — Total ¥1,285,317 thousand ¥2,546,095 thousand」
Total non-performing loans increased from ¥1,285,317 thousand at the end of the previous fiscal year to ¥2,546,095 thousand. Past-due receivables also increased from ¥746,604 thousand to ¥1,868,590 thousand, indicating deterioration in the disclosed balances related to credit risk. - FY2020-Q3RestatedAnnual report
「During the cumulative third-quarter period, there were no new business risks and no material changes in the business risks described in the annual securities report for the preceding fiscal year.」
No material changes have been identified regarding credit risk arising from fluctuations in collateral values and customers' repayment capacity. - FY2020-Q2WorsenedAnnual report
「Past-due receivables ¥746,604 thousand ¥884,958 thousand Past-due receivables overdue for 3 months or more ¥538,713 thousand ¥1,405,389 thousand Restructured loans — — Total ¥1,285,317 thousand ¥2,290,347 thousand」
Total non-performing loans increased from ¥1,285,317 thousand at the end of the previous fiscal year to ¥2,290,347 thousand. Receivables overdue for 3 months or more also increased from ¥538,713 thousand to ¥1,405,389 thousand, indicating deterioration in the disclosed balances related to credit risk. - FY2020-Q1RestatedAnnual report
「During the cumulative first-quarter period, there were no new business or other risks, nor any material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes have been identified regarding credit risk arising from fluctuations in collateral values and customers' repayment capacity. - FY2019MitigatedAnnual report
「Past-due receivables ¥828,427 thousand ¥746,604 thousand Past-due receivables overdue for 3 months or more ¥1,065,871 thousand ¥538,713 thousand Restructured loans — — Total ¥1,894,298 thousand ¥1,285,317 thousand」
Total non-performing loans decreased from ¥1,894,298 thousand at the end of the previous fiscal year to ¥1,285,317 thousand, and receivables overdue for 3 months or more also decreased from ¥1,065,871 thousand to ¥538,713 thousand. - FY2019-Q3RestatedAnnual report
「During the cumulative third-quarter period, there were no new business risks and no material changes in the business risks described in the annual securities report for the preceding fiscal year.」
No material changes have been identified regarding credit risk arising from fluctuations in collateral values and customers' repayment capacity. - FY2019-Q2MitigatedAnnual report
「Past-due receivables ¥828,427 thousand ¥749,810 thousand Past-due receivables overdue for 3 months or more ¥1,065,871 thousand ¥520,626 thousand Restructured loans — — Total ¥1,894,298 thousand ¥1,270,436 thousand」
Total non-performing loans decreased from ¥1,894,298 thousand at the end of the previous fiscal year to ¥1,270,436 thousand. Receivables overdue for 3 months or more also decreased from ¥1,065,871 thousand to ¥520,626 thousand. - FY2019-Q1RestatedAnnual report
「During the cumulative first-quarter period, there were no new business or other risks, nor any material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes have been identified regarding credit risk arising from fluctuations in collateral values and customers' repayment capacity. - FY2018-Q3RestatedAnnual report
「During the cumulative third-quarter period, there were no new business risks and no material changes in the business risks described in the annual securities report for the preceding fiscal year.」
No material changes have been identified regarding credit risk arising from fluctuations in collateral values and customers' repayment capacity. - FY2018-Q2MitigatedAnnual report
「Past-due receivables ¥493,032 thousand Past-due receivables overdue for 3 months or more ¥936,378 thousand Restructured loans — Total ¥1,429,410 thousand」
Total non-performing loans decreased by ¥97,451 thousand, from ¥1,526,861 thousand at the end of the previous fiscal year to ¥1,429,410 thousand. Although receivables overdue for 3 months or more also decreased, past-due receivables increased from ¥247,133 thousand to ¥493,032 thousand, indicating changes in the breakdown. - FY2018-Q1RestatedAnnual report
「During the cumulative first-quarter period, there were no new business or other risks, nor any material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes have been identified regarding credit risk arising from fluctuations in collateral values and customers' repayment capacity. - FY2017-Q3RestatedAnnual report
「During the cumulative third-quarter period, there were no new business risks and no material changes in the business risks described in the annual securities report for the preceding fiscal year.」
No material changes have been identified regarding credit risk arising from fluctuations in collateral values and customers' repayment capacity. - FY2017-Q2WorsenedAnnual report
「Past-due receivables ¥292,124 thousand Past-due receivables overdue for 3 months or more ¥1,141,927 thousand Total ¥1,434,051 thousand」
Total non-performing loans increased from ¥704,689 thousand at the end of the previous fiscal year to ¥1,434,051 thousand, while receivables overdue for 3 months or more increased from ¥356,471 thousand to ¥1,141,927 thousand. The disclosed balances related to fluctuations in collateral values and customers' repayment capacity have deteriorated. - FY2017-Q1RestatedAnnual report
「During the cumulative first-quarter period, there were no new business or other risks, nor any material changes to the business and other risks described in the annual securities report for the previous fiscal year.」
No material changes have been identified regarding credit risk arising from fluctuations in collateral values and customers' repayment capacity. - FY2016First statedAnnual report
「As a rule, we do not accept as collateral properties for which demand is limited, such as commercial real estate, large-scale properties and properties for special uses. We have pursued small-lot diversification, with the average loan per customer at approximately ¥19 million (fiscal year ended March 2016), but fluctuations in property values could increase loan losses and affect our financial position and operating results.」
After describing the selection of collateral and small-lot diversification, with average lending per customer of approximately ¥19 million, the disclosure indicates credit risk.