ne_018b.html

(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
		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	Latent Gains or Losses on Securities

City Banks		9	389,573	249,467	12,884 (13,023)	1,362 (1,330)	8,008 (8,714)	860 (1,009)	2,653 (1,970)	6,175	4,263	2,465	1,909	2,383
Long-term Credit Banks		1	42,089	22,872	2,091 (2,019)	146 (148)	1,382 (1,307)	8 (9)	554 (555)	1,116	936	205	212	24
Trust Banks		7	90,015	47,846	5,275 (5,330)	774 (846)	3,532 (3,502)	114 (118)	856 (863)	1,967	1,614	702	430	297
Major Banks Subtotal		17	521,677	320,185	20,250 (20,372)	2,282 (2,324)	12,922 (13,523)	982 (1,136)	4,063 (3,388)	9,258	6,813	3,372	2,551	2,704

Regional Banks		64	200,303	138,584	6,769 (7,265)	1,498 (1,660)	1,824 (2,194)	439 (474)	3,007 (2,937)	4,117	3,254	1,260	950	2,355
Regional Banks II		57	65,312	47,833	2,608 (2,649)	644 (697)	758 (842)	212 (234)	993 (876)	1,422	1,165	414	295	152
Regional Banks Subtotal		121	265,615	186,417	9,377 (9,914)	2,142 (2,357)	2,582 (3,036)	651 (708)	4,000 (3,813)	5,539	4,419	1,674	1,245	2,507

Total of All Banks		138	787,292	506,602	29,627 (30,286)	4,424 (4,681)	15,504 (16,559)	1,633 (1,844)	8,063 (7,201)	14,797	11,232	5,046	3,796	5,211

Cooperative-type Financial Institutions		772	2,864,150	135,562	9,029 (9,365)	2,122 (2,251)	3,239 (3,598)	774 (795)	2,893 (2,721)	4,513	3,570	1,647	153	1,773
	Shinkin Banks	393	132,518	76,845	5,132 (5,269)	1,291 (1,360)	1,689 (1,719)	438 (448)	1,713 (1,743)	2,680	2,160	817	715	564
	Credit Cooperatives	289	24,664	15,599	1,766 (1,766)	338 (338)	710 (710)	248 (248)	470 (470)	577	473	151	119	50
	Financial Institutions for Agriculture	48	99,564	24,467	1,429 (1,627)	364 (425)	487 (816)	39 (50)	539 (336)	830	598	528	530	1,075

Total of All		910	1,073,707	642,164	38,656 (39,651)	6,546 (6,932)	18,743 (20,157)	2,407 (2,639)	10,956 (9,922)	19,310	14,802	6,693	5,326	6,984

*	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
****:	LTCB: Long-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 March 1999 : 15,836 yen
(Note)1.	Aggregate figures above are rounded to billion yen.
2.	Long-term Credit Bank of Japan, Nippon Credit Bank, Midori, Kokumin, Kouhuku ,Tokyo Sowa Bank, Shinkin Banks and Credit Cooperatives declared own bunkruptcy 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 in ( ) is the amount of the Risk Management Loans on consolidated base. In Yasuda trust bank, Japan trust bank, Wakashio bank and Kansai bank, the amount of Risk Management Loans of those parent companies on consolidated base exclude the amount of Risk Management Loans of each banks.
5.	Some Financial Institutions took "Partial Direct Write-offs" (to write-off uncollectible portion(Category IV ) of bunkrupt/effectively bankrupt loans with collateral/guarantee instead of transferring to Specific Allowance for Loan Loss), which amount was 6,238 Billion Yen on solo base, 8,024 Billion Yen on consolidated base.
6.	Some Financial Institutions expanded the scope of the loans to be included as PDL(Loans not in arrears but to doubtful or effectively bankrupt borrowers came to be included as PDL). The amount increased to 5,586 Billion Yen on solo base.

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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 99)
			Category I	Category II	Category III	Category IV
Major Banks		358,391	316,814	39,209	2,296	71
Regional Banks		143,695	127,669	15,442	582	3
Regional Banks II		49,717	43,062	6,373	282	0
Regional Banks Subtotal		193,412	170,731	21,815	864	3

Total of All banks		551,803	487,545	61,024	3,160	74

Cooperative-type Financial Institutions		142,483	126,174	15,608	700	2
	Shinkin Banks	80,711	70,144	10,209	358	1
	Credit Cooperatives	16,237	13,723	2,278	234	1
	Financial Institutions for Agriculture	26,561	24,911	1,583	67	0

Total of All		694,286	613,719	76,632	3,860	76

(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.	Long-term Credit Bank of Japan, Nippon Credit Bank, Midori, Kouhuku, Tokyo Sowa Bank and banks which declared own bankruptcy are excluded.

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Loss on Disposal of Bad Loans of All Japanese Banks

(Billion Yen)

			FY1992	FY1993	FY1994	FY1995	FY1996	FY1997	FY1998
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]
	Net Transfer to Specific Allowance for Loan Loss		945	1,146	1,402	7,087 [5,576]	3,447 [2,534]	8,403 [6,552]	8,118 [5,490]
	Direct Write-offs		424	2,090	2,809	5,980 [5,490]	4,316 [3,676]	3,993 [3,501]	4,709 [4,268]
		Write-offs of Loans	204	235	706	1,721 [1,568]	973 [850]	851 [791]	2,377 [2,255]
		Loss on sales to the CCPC	219	1,855	2,103	2,526 [2,132]	1,133 [971]	1,043 [921]	359 [339]
Summing up 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]

Summing up of Direct Write-offs			424	2,514	5,322	11,602 [10,812]	15,918 [14,488]	19,911 [17,988]	24,620 [22,256]

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]
Outstanding Amount of Specific Allowance for Loan Loss			3,698	4,547	5,536	13,293 [10,345]	12,334 [9,388]	17,815 [13,601]	14,797 [9,258]

(Note)
1.	Loss on Disposal of Bad Loans of All Deposit-taking Financial Institutions : Net Transfer to Specific Allowance for Loan Loss 9,531 Billion Yen Direct Write-offs 4,956 Billion Yen, Loss on Disposal of Bad Loans 15,382 Billion Yen
2.	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.
3.	Hokkaido Takusyoku, Tokuyo City, Kyoto Kyoei, Naniwa, Fukutoku, and Midori Bank are excluded from the FY 1997 onward. Long-term Credit Bank of Japan, Nippon Credit Bank, Kokumin Kouhuku and Tokyo Sowa Bank are excluded from the FY 1998.
4.	Net Transfer to Specific Allowance for Loan Loss refer to the total amount of Specific Net Transfer to Specific Allowance for Loan Loss and General Net Transfer to specific 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 both in FY1995 and in FY1996. In addition, before FY 1994, disclosed bad loans had been composed of LBB and PDL.

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