(Provisional Translation)
December 13, 1998
Financial Supervisory Agency

Nippon Credit Bank (gNCBh): Result of the Inspection


1. Assessment as of March 31, 1998

(1) Asset Quality Assessment

(billion yens)

Category 1 (unclassified asset) : 8,912.5
Category 2 (asset subject to specific risk management) : 2,307.7
Category 3 (doubtful) : 1,311.0
Category 4 (loss) : 127.7
Total Asset : 12,659.0
(2) Capital Adequacy


(billion yens)

Capital : 467.1
Additional allowance required as a result of reassessment : - 561.5

Total : - 94.4
Unrealized capital losses (net) : - 180.3

(securities :

-184.1)
(Note) 1. The amount of the additional allowance is calculated based on the writing-offs/provisioning standard employed by the NCB.
2. Round off to 100 million yens.


2. Comparison of asset-quality-assessments

(billion yens)


Classification

Total
Asset

1

2

3

4

Assessment by
the FSA (a)

8,912.5

2,307.7

1,311.0

127.7

12,659.0

Assessment by
the NCB (b)

9,448.8

2,617.0

593.1

---

12,659.0

(a)-(b)

-536.3

-309.2

717.8

127.7

---

(Note) Round off to 100 million yens.


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