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Risk Management Loans of All Japanese Banks (as of the end of September 1998)

(in billion yen)

		Total Assets		Outstanding of Non-performing and Restructured Loans					Reserve for Possible Loan Loss		***** Business Profits		Latent Gains or Losses on Securities
			Loans	Total	* LBB	** PDL	*** 3PDL	Restructured Loans	Total	Specific Allowance	Annual Average of Last 5 Years	end of Sept. 98 (Semi-annual)	Latent Gains or Losses on Securities

City Banks		416,043	263,384	12,340	2,286	5,372	1,726	2,956	7,232	6,086	2,649	1,570	-1,140
Long-term Credit Banks		81,739	45,495	5,290	1,180	1,929	207	1,974	2,789	2,594	498	290	-881
	LTCB and NCB ****	36,463	22,238	3,800	961	1,601	186	1,053	1,845	1,771	297	164	-848
Trust Banks		94,409	51,484	4,379	1,310	1,654	208	1,206	2,526	2,322	733	346	-1,045
Major Banks Subtotal		592,190	360,363	22,008	4,776	8,955	2,141	6,136	12,547	11,002	3,880	2,206	-3,066
	excluding LTCB and NCB	555,727	338,125	18,208	3,815	7,354	1,955	5,083	10,702	9,231	3,583	2,042	-2,218
Regional Banks		197,904	137,109	5,424	1,534	1,802	499	1,590	3,048	2,570	1,319	720	1,917
Regional Banks II		64,104	48,062	2,646	741	869	323	713	1,337	1,151	449	208	64
Regional Banks Subtotal		262,008	185,171	8,070	2,275	2,671	822	2,303	4,385	3,721	1,768	928	1,981
Total of All Banks		854,198	545,534	30,078	7,051	11,626	2,963	8,439	16,932	14,723	5,648	3,134	-1,085
	excluding LTCB and NCB	817,735	523,296	26,278	6,090	10,025	2,777	7,386	15,087	12,952	5,351	2,970	-237

*	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
****:	LTCBLong-term Credit Bank of Japan, NCB: Nippon Credit Bank
*****	Business Profits: Profits from basic banking operations such as lending and bonds investment
(Reference)	Nikkei 225 average as of the end of September 1998 : 13,406 yen
(Note)1.	Aggregate figures above are rounded to billion yen.
2.	Hokkaido Takusyoku, Tokuyo City, Kyoto Kyoei, Naniwa, Fukutoku, and Midori Bank are excluded.
3.	PDL are loans of which interest is not collected and does not add up to earnings, excluding LBB and loans of which payment of interest is in a grace period in order for lending bank to extend helping or to reconstruct 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 mentioned for "Annual Average of Last 5 Years" are double of last 10 half-years' average of half-yearly business profit including September 98FY.

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Self-Assessment Result of Asset Quality on All Japanese Banks

(in billion yen)

		Total Credit Exposure (as of the end of March 98)					Total Credit Exposure (as of the end of September 98)
			Category I	Category II	Category III	Category IV		Category I	Category II	Category III	Category IV

Major Banks		421,697	371,607	45,157	4,808	125	405,940	354,629	45,537	5,697	77
	excluding LTCB and NCB	394,208	350,115	40,197	3,772	125	381,187	336,972	39,721	4,417	77
Regional Banks		144,361	129,122	14,403	833	5	142,132	126,835	14,554	738	6
Regional Banks II		50,437	44,085	5,928	424	0	49,935	43,516	5,988	428	3
Regional Banks Subtotal		194,798	173,207	20,331	1,257	5	192,067	170,351	20,541	1,166	9
Total of All Banks		616,495	544,814	65,488	6,065	130	598,007	524,980	66,078	6,863	86
	excluding LTCB and NCB	589,006	523,322	60,528	5,029	130	573,253	507,323	60,262	5,583	86

(Note) 1.	Aggregate figures above are rounded to billion yen.
2.	Total credit exposure includes loans, bills discounted, securities loaned, foreign exchange, customers' liabilities for acceptances and guarantees, accrued interest, and suspense payments.
3.	Figures as of the end of March 98 announced on July 17, 98 were not unified in terms of range of data: therefore, FSA required all banks to report figures as of the end of March 98 again in the above unified range, and added up.
4.	Hokkaido Takusyoku, Tokuyo City, Kyoto Kyoei, Naniwa, Fukutoku, and Midori Bank are excluded.

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Loss on Disposal of Bad Loans of All Japanese Banks

(Billion Yen)

				FY1992	FY1993	FY1994	FY1995	FY1996	FY1997	September-98
				FY1992	FY1993	FY1994	FY1995	FY1996	FY1997		excluding LTCB and NCB

Loss on Disposal of Bad Loans				1,619	4,105	5,455	13,445 [11,087]	7,819 [6,218]	13,268 [10,774]	3,706 [3,074]	2,914 [2,283]
	Net Transfer to Specific Allowance for Loan Loss			929	1,379	1,625	7,163 [5,596]	3,503 [2,543]	8,412 [6,507]	2,594 [2,047]	2,113 [1,565]
	Direct Write-offs			424	2,090	2,809	5,980 [5,490]	4,316 [3,676]	3,993 [3,501]	720 [665]	685 [631]
			Write-offs of Loans	204	235	706	1,721 [1,568]	973 [850]	851 [791]	331 [314]	330 [313]
			Loss on sales to the CCPC	219	1,855	2,103	2,526 [2,132]	1,133 [971]	1,043 [921]	94 [92]	85 [82]

Summing up from FY 1992				1,619	5,724	11,180	24,624 [22,267]	32,443 [28,485]	45,711 [39,259]	49,417 [42,333]	48,625 [41,542]
		Summing up of Direct Write-offs		424	2,514	5,322	11,602 [10,812]	15,918 [14,488]	19,911 [17,988]	20,630 [18,653]	20,596 [18,619]

Non-Performing Loans				12,775	13,576	12,546	28,504 [21,868]	21,789 [16,441]	29,758 [21,978]	30,078 [22,008]	26,278 [18,209]
Outstanding Amount of Specific Allowance for Loan Loss				1,867	3,023	4,298	11,427 [9,070]	10,436 [8,077]	15,929 [12,260]	14,723 [11,002]	12,952 [9,231]

(Note)
1.	Loss on disposal of bad loans refers to the total amount of net transfer to specific allowance for loan loss (formerly provisions in special accounts for loan loss write-offs), write-offs of loans, loss on sales to the CCPC (Cooperative Credit Purchasing Company), disclaimer of loans, and loss on supports to other financial institutions, etc.
2.	Non-Performing Loans figures refers to Risk Management Loans; however, disclosed bad loans had been composed of Loans to Borrowers in legal Bankruptcy [LBB], Past Due Loans [PDL], and restructured loans both in FY1995 and in FY1996. In addition, before FY 1994, disclosed bad loans had been composed of LBB and PDL.
3.	Before FY 1994, above data are composed of City Banks, Long-term Credit Banks, Trust Banks. Figures in [ ] refer to the amount of major banks.
4.	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.
5.	Hokkaido Takusyoku, Tokuyo City, Kyoto Kyoei, Naniwa, Fukutoku, and Midori Bank are excluded from the FY 1997 onward.

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