Due to the bankruptcy proceedings initiated for the debtor, Zen-To-Shin Co., Ltd., the bank plans to fully provision 915 million yen (out of 1,200 million yen of loans) in the first quarter of the fiscal year ending March 2027. Future earnings guidance is under review.<\/p>\n","protected":false},"comment_status":"open","ping_status":"closed","template":"","meta":{"Ticker":"","DATE":"","longName":"","company_name_ja":"","fullTimeEmployees":0,"address":"","phone":"","website":"","industry":"","sector":"","regularMarketPrice":0,"financialCurrency":"","marketCap":0,"fiftyTwoWeekLow":0,"fiftyTwoWeekHigh":0,"epsTrailingTwelveMonths":0,"epsForward":0,"bookValue":0,"totalRevenue":0,"OperatingIncome":0,"operatingMargins":0,"NetIncome":0,"profitMargins":0,"ebitda":0,"trailingPE":0,"forwardPE":0,"priceToBook":0,"returnOnEquity":0,"recommendationMean":0,"recommendationKey":"","targetMeanPrice":0,"numberOfAnalystOpinions":0,"analyst_earnings_data":"","dividendRate":0,"dividendYield":0,"payoutRatio":0,"totalEsg":0,"environmentScore":0,"socialScore":0,"governanceScore":0,"title":"","providerPublishTime":"","link":"","longBusinessSummary":"","longBusinessSummary_ja":"","quarterly_revenue":0,"quarterly_net_income":0,"quarterly_operating_profit":0,"enterprise_value":0,"company_officer_1_name":"","company_officer_1_title":"","company_officer_2_name":"","company_officer_2_title":"","company_officer_3_name":"","company_officer_3_title":"","company_officer_4_name":"","company_officer_4_title":"","company_officer_5_name":"","company_officer_5_title":"","company_officers_update_time":"","get_dividend_history_year1":0,"get_dividend_history_year2":0,"get_dividend_history_year3":0,"get_dividend_history_year4":0,"get_dividend_history_year5":0,"get_dividend_history_year6":0,"get_dividend_history_year7":0,"get_dividend_history_year8":0,"get_dividend_history_year9":0,"get_dividend_history_year10":0,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"jir_stock_code":"8416","jir_company_name":"Kochi Local Bank, Ltd.","jir_importance":"\u2605\u2605\u2605\u2606\u2606","jir_publication_date":"2026-07-07","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/07\/8416-20260707-01.pdf","jir_short_summary":"Due to the bankruptcy proceedings initiated for the debtor, Zen-To-Shin Co., Ltd., the bank plans to fully provision 915 million yen (out of 1,200 million yen of loans) in the first quarter of the fiscal year ending March 2027. Future earnings guidance is under review.","jir_summary":"### Overview\nThe notice announced today reports that, following the Osaka District Court's initiation of bankruptcy proceedings for the debtor Zen-To-Shin Co., Ltd., there are risks of collection failure or delay for the bank\u2019s claims. The eligible claim amount is 1,200 million yen of loans, of which 915 million yen is unsecured. Future earnings estimates remain uncertain, and will be disclosed upon finalization.\n\n### Impact and Future Response\nWe expect to recognize the full provision of 915 million yen for the unsecured portion in the first quarter of fiscal year 2027. This could have a negative impact on the bank\u2019s performance for FY2027, and any necessary revisions to earnings guidance will be promptly disclosed.","jir_financial_highlights":"Loans: 1,200 \u767e\u4e07\u5186 (The unsecured portion amounts to 915 \u767e\u4e07\u5186)\nProvisions on loan losses: 915 \u767e\u4e07\u5186 (To be fully provisioned in the first quarter of FY2027)","jir_category":"","jir_hashtags":"#KochiBank, #DisclosureUpdate, #CreditCollectionRisk","jir_key_figures":"Loans: 1,200 \u767e\u4e07\u5186\nUnsecured portion: 915 \u767e\u4e07\u5186\nProvision timing: Q1 FY2027","jir_meta_title":"\u3010Kochi Bank\u3011Notice Regarding Credit Collection Risk\uff5cJuly 2026","jir_meta_description":"Kochi Bank announces plans to recognize a provision for unsecured claims of 915 million yen in Q1 FY2027 following the bankruptcy filing of the debtor, with earnings outlook under review and pending clarification.","jir_og_title":"\u3010Kochi Bank\u3011Credit Collection Risk Notice\uff5cJuly 2026","jir_og_description":"Following the debtor's bankruptcy filing, provision for unsecured claims of 915 million yen in Q1 FY2027. Future earnings under review.","jir_og_image_url":"\/assets\/og\/company-general_ir.jpg","jir_chart_data_collection":"[]","ir_related_company":58879,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"disclosure_update","footnotes":""},"sector":[],"importance":[],"class_list":["post-77012","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n