Announcement that the business partner Zen-to-Shin Bank Co., Ltd. has been placed into bankruptcy proceedings by the Osaka District Court. For the portion of the company’s claims that is not secured by collateral, full allowance is planned to be made in the first quarter of FY2027 (year ending March 2027). There is no change to the consolidated earnings forecast announced on May 12, 2026 (outlook for the second quarter and full year of the FY2027).<\/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":"8386","jir_company_name":"\u682a\u5f0f\u4f1a\u793e\u767e\u5341\u56db\u9280\u884c","jir_importance":"\u2605\u2605\u2605\u2606\u2606","jir_publication_date":"2026-07-10","jir_source_link":"https:\/\/japanir.jp\/wp-content\/uploads\/2026\/07\/8386-20260710-01.pdf","jir_short_summary":"Announcement that the business partner Zen-to-Shin Bank Co., Ltd. has been placed into bankruptcy proceedings by the Osaka District Court. For the portion of the company's claims that is not secured by collateral, full allowance is planned to be made in the first quarter of FY2027 (year ending March 2027). There is no change to the consolidated earnings forecast announced on May 12, 2026 (outlook for the second quarter and full year of the FY2027).","jir_summary":"### Bankruptcy proceedings for a business partner\nThis notice informs that the business partner Zen-to-Shin Co., Ltd. was placed into bankruptcy proceedings by the Osaka District Court as of July 6, 2026. Consequently, for the portion of our claims against the company that is not secured by collateral, we plan to record a full allowance in the first quarter of FY2027. No change to the consolidated earnings forecast announced on May 12, 2026 (outlook for the second quarter and full year of FY2027).\n\n### Financial impact and disclosures\nAlthough an allowance is planned for the unsecured portion of the claims, there is no change to the overall consolidated earnings forecast, so the impact is expected to be limited. The loan balance of 1,831 million yen is disclosed, and the status of related asset preservation is disclosed. Based on current information, it is unclear whether additional disclosures will be made in the future.","jir_financial_highlights":"Loans: 1,831 million yen (\uff08as a ratio to consolidated net assets at the end of March 2026 0.47\uff05\uff09)","jir_category":"","jir_hashtags":"#Bank of 114, #IR, #JapaneseStocks","jir_key_figures":"Loans: 1,831 million yen (0.47% of consolidated net assets at end of March 2026)","jir_meta_title":"[Bank of 114] Notice regarding the commencement of bankruptcy proceedings for a business partner | July 2026","jir_meta_description":"Bank of 114 announces the commencement of bankruptcy proceedings for its business partner Zen-to-Shin; plans to fully provision against unsecured claims in the first quarter of FY2027. No change to the earnings forecast.","jir_og_title":"[Bank of 114] Notice regarding the commencement of bankruptcy proceedings for a business partner","jir_og_description":"Disclosure regarding the provisioning policy in response to a partner's bankruptcy proceedings and no change to earnings forecast.","jir_og_image_url":"\/assets\/og\/company-general_ir.jpg","jir_chart_data_collection":"[]","ir_related_company":9046,"ir_release_date":"","ir_type":"","ir_is_new":false,"ir_document_url":"","jir_ir_type":"disclosure_update","footnotes":""},"sector":[],"importance":[],"class_list":["post-77862","ir_release","type-ir_release","status-publish","hentry"],"yoast_head":"\n