Risk Management Loans of All Japanese Banks(as of the end of March 2000)

(in billion yen)

 

Total Assets Outstanding of Non-performing and Restructured
 Loans
Allowance for Possible 
Loan Loss
****
Business Profits
Latent
 Gains or
 Losses on
Securities

 

The
number
of
institut-
-ions
  Loans Total *
LBB
**
PDL
***
3PDL
Restructured
 Loans
Total Specific
Allowance
Annual
Average of 
Last 5 Years
end of
March. 99
City Banks 9 378,468 241,469 12,048
(12,497)
922
(964)
8,147
(8,665)
537
(649)
2,442
(2,219)
5,105 3,174 2,546 2,384 6,345
Long-term Credit Banks 2 51,806 29,937 3,789
(3,803)
307
(311)
1,820
(1,826)
33
(33)
1,629
(1,633)
1,405 955 288 271 216
Trust Banks 7 80,249 45,140
0
3,935
(4,020)
446
(480)
2,669
(2,705)
84
(93)
736
(742)
1,168 853 689 380 1,086
Major Banks Subtotal 18 510,523 316,546 19,772
(20,320)
1,675
(1,755)
12,636
(13,196)
654
(775)
4,807
(4,594)
7,678 4,982 3,523 3,035 7,647
Regional Banks 64 197,160 134,321 7,581
(7,897)
940
(1,050)
4,178
(4,385)
175
(181)
2,288
(2,281)
3,357 2,448 1,260 1,223 3,241
Regional Banks II 55 62,057 45,306 3,013
(3,116)
483
(531)
1,545
(1,629)
90
(100)
895
(856)
1,195 934 445 370 244
Regional Banks Subtotal 119 259,217 179,627 10,594
(11,013)
1,423
(1,581)
5,723
(6,014)
265
(281)
3,183
(3,137)
4,552 3,382 1,705 1,593 3,485
Total of All Banks 137 769,740 496,173 30,366
(31,333)
3,098
(3,336)
18,359
(19,210)
919
(1,056)
7,990
(7,731)
12,230 8,364 5,228 4,628 11,132
Cooperative-type
 Financial Institutions
733 285,332 133,040 11,001
(11,168)
1,863
(1,909)
5,453
(5,784)
275
(279)
3,410
(3,196)
4,118 3,132 1,627 1,276 1,645

 

Shinkin Banks 377 131,094 72,327 6,400
(6,418)
1,024
(1,030)
3,499
(3,504)
113
(114)
1,764
(1,770)
2,149 1,674 805 730 541
Credit Cooperatives 266 23,554 14,685 2,035
(2,035)
366
(366)
787
(787)
116
(116)
766
(766)
641 520 144 126 68
Rokin Banks 42 15,654 7,512 75
(75)
6
(6)
45
(45)
9
(9)
15
(15)
50 23 89 77 52
Financial Institutions for
Agriculture
47 101,120 27,346 1,733
(1,882)
210
(250)
670
(996)
29
(32)
824
(604)
859 544 514 249 980
Total of All 870 1,055,072 629,213 41,367
(42,501)
4,961
(5,245)
23,812
(24,994)
1,194
(1,335)
11,400
(10,927)
16,348 11,496 6,855 5,904 12,777
* LBB : Loans to Borrowers in Legal Bankruptcy
** PDL : Past Due Loans in arrears by 6 months or more
*** 3PDL : Loans in arrears by 3 months or more and less than 6 months
****: Business Profits: Profits from basic banking operations such as lending and bonds investment

(Reference)

Nikkei 225 average as of the end of March 2000 : 20,337 yen

(Note) 1.

Nippon Credit Bank, Kokumin Bank, Koufuku Bank ,Tokyo Sowa Bank, Namihaya Bank, Niigata Chuo Bank and Cooperative-type Financial Institutions that declared bankruptcy are excluded.
3. PDL are loans of which interest is not collected and are not recognized as to earnings, excluding LBB and loans of which payment of interest is in a grace period for the purpose of reconstructing the borrower. 3PDL are loans of which principal or interest is in arrears by 3 months or more from the date of default on payment of interest or principal under terms of the related loan agreement, excluding LBB and PDL.
4. Figures in (  ) are the amount of the risk management loans on consolidated bases. The amount of risk management loans of Yasuda trust bank, Japan trust bank, Wakashio bank and Kansai bank, are excluded from those of their parent banks' consolidated figures.
5. Some financial institutions conducted "Partial Direct Write-offs" (to write-off uncollectible portions (Category IV ) of bankrupt/effectively bankrupt loans with collateral/guarantee, instead of making specific allowance for loan losses), which amounted to was 8,608 billion Yen on non-consolitated bases and 10,622 billion Yen on consolidated bases.

Self-Assessment Result of Asset Quality on All Japanese Banks

(in billion yen)

 

Total Credit Exposure (as of the end of March 2000)

 

Category I

Category II

Category III

Category IV

Major Banks

349,765

308,857

38,879

2,017

12

Regional Banks

139,134

122,935

15,609

590

0

Regional Banks II

46,875

40,596

6,051

228

0

Regional Banks Subtotal

186,009

163,531

21,660

818

0

Total of All Banks

535,774

472,388

60,539

2,835

12

Cooperative-type Financial
Institutions

137,564

119,177

17,681

706

0

 

Shinkin Banks

75,202

64,371

10,527

304

0

Credit Cooperatives

15,477

12,334

2,877

266

0

Financial Institutions for
Agriculture

28,280

26,203

1,995

82

0

Total of All

673,338

591,565

78,220

3,541

12

(Note) 1. Total credit exposure includes loans, bills discounted, securities loaned, foreign exchange, customers' liabilities for acceptances and guarantees, accrued interest, and suspense payments.
2. Nippon Credit Bank, Kokuminn Bank, Koufuku Bank, Tokyo Sowa Bank, Namihaya Bank, Niigata Chuo Bank and Cooperative-type Financial Institutions that declared own bankruptcy are excluded.

Loss on Disposal of Bad Loans of All Japanese Banks

(Billion Yen)

FY1992

FY1993

FY1994

FY1995

FY1996

FY1997

FY1998

FY1999

Loss on Disposal of Bad Loans

1,640

3,872

5,232

13,369
[11,067]

7,763
[6,210]

13,258
[10,819]

13,631
[10,440]

6,944
[5,398]

 

Net Transfer to Allowance for Loan Losses

945

1,146

1,402

7,087
[5,576]

3,447
[2,534]

8,403
[6,552]

8,118
[5,490]

2,531
[1,339]

 

Direct Write-offs

424

2,090

2,809

5,980
[5,490]

4,316
[3,676]

3,993
[3,501]

4,709
[4,268]

3,865
[3,609]

 

Write-offs of Loans

204

235

706

1,721
[1,568]

973
[850]

851
[791]

2,377
[2,255]

1,881
[1,734]

Loss on sales to the CCPC

219

1,855

2,103

2,526
[2,132]

1,133
[971]

1,043
[921]

359
[339]

278
[272]

Aggregate from FY 1992

1,640

5,512

10,744

24,113
[21,811]

31,877
[28,021]

45,135
[38,840]

58,766
[49,280]

65,710
[54,678]

Aggregate of Direct Write-offs

424

2,514

5,322

11,302
[10,812]

15,618
[14,488]

19,611
[17,988]

24,320
[22,256]

28,185
[25,865]

Risk Management Loans

12,775

13,576

12,546

28,504
[21,868]

21,789
[16,441]

29,758
[21,978]

29,627
[20,250]

30,366
[19,772]

Outstanding Amount of Allowance for Loan Losses

3,698

4,547

5,536

13,293
[10,345]

12,334
[9,388]

17,815
[13,601]

14,797
[9,258]

12,230
[7,678]

(Note)

1. Net transfer to allowance for loan losses : 3,397 billion Yen, Direct write-offs : 4,098 billion Yen, Loss on disposal of bad loans : 8,144 billion Yen (Regarding all Banks and Cooperative-type Financial Institutions (FY 1999) ).
2. For FY 1992 to FY 1994, above data are composed of City Banks, Long-term Credit Banks, Trust Banks. Figures in [  ] refer to the amount of City Banks, Long-term Credit Banks, Trust Banks.
3. Hokkaido Takusyoku, Tokuyo City, Kyoto Kyoei, Naniwa, Fukutoku, and Midori Bank are excluded from FY 1997 onward. Long-term Credit Bank of Japan, Nippon Credit Bank, Kokumin, Kofuku and Tokyo Sowa Bank are excluded from the FY 1998. Namihaya Bank and Niigata Chuo Bank are excluded from FY 1999.
4. Net Transfer to Allowance for Loan Losses refer to the total amount of Net Transfer to Specific Allowance for Loan Loss and Net Transfer to General Allowance for Loan Loss, etc.
5. Direct Write-offs refers to the total amount of Write-offs of Loans, Loss on sales of loans, Loss on supports to other financial institutions, etc; however, before FY 1994, it was composed of Write-offs of Loans and Loss on sales to the CCPC.
6. Risk Management Loans figures had been composed of Loans to Borrowers in legal Bankruptcy [LBB], Past Due Loans [PDL], and restructured loans for FY1995 and FY1996. For FY 1992 to FY 1994, the figures had been composed of LBB and PDL.