The Status of Risk Management Loans of All Banks (as of end-September 2002)

(Reference) The Status of Risk Management Loans of All Banks (as of end-September 2002)

* 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
(Note)
1.	Financial institutions that declared bankruptcy are excluded.
2.	PDL are loans of which interest is not collected and are not recognized as 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.
3.	Some financial institutions chose ''Partial Direct Write-offs'' (to write-off uncorrectable portions(Category IV) of loans to bankrupt/effectively bankrupt borrows with collateral/guarantee, instead of providing specific allowance for loan losses), which was 8,985 billion yen on non-consolidated bases.
4.	Figures of ''Major 12 banks'' excludes Shinsei Bank and Aozora Bank from the subtotal of City Banks, Long-term Credit Banks and Trust Banks.

Table-1	The Status of Non-Performing Loans held by all banks(as of end-September 2002)
Table-2	The Status of Non-Performing Loans (NPLs) of All Banks based on the Financial Reconstruction Law
Table-3	Transition of Non-Performing Loans (NPLs) based on the Financial Reconstruction Law
Table-4	Total Losses on Disposal of Non-Performing Loans of All Banks
(Reference)	The Status of Risk Management Loans of All Banks (as of end-September 2002)