Risk Management Loans of All Japanese Banks (as of the end of September 1999)

(in billion yen)

 

Total Assets

Risk Management Loans Allowance for 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 September. 99

City Banks

9 382,069 242,523 12,374
(12,032)
990
(894)
7,986
(8,344)
652
(751)
2,745
(2,044)
5,146 3,297 2,506 1,235 5,218

Long-term Credit Banks

1 39,615 22,422 2,006
(2,022)
153
(155)
1,407
(1,419)
7
(8)
439
(439)
1,208 1,027 206 89 173

Trust Banks

7 81,959 46,360 4,837
(4,939)
601
(644)
3,364
(3,407)
94
(104)
778
(784)
1,659 1,292 688 168 858

Major Banks Subtotal

17 503,643 311,305 19,217
(18,993)
1,744
(1,693)
12,757
(13,170)
753
(863)
3,962
(3,267)
8,013 5,616 3,400 1,492 6,249

Regional Banks

64 198,386 134,059 7,637
(8,159)
1,374
(1,544)
3,725
(4,074)
199
(212)
2,339
(2,329)
3,876 2,971 1,266 565 3,079

Regional Banks II

55 63,036 44,236 2,861
(3,034)
556
(637)
1,143
(1,284)
115
(134)
1,047
(979)
1,251 1,015 406 179 342

Regional Banks Subtotal

119 261,422 178,295 10,498
(11,193)
1,930
(2,181)
4,868
(5,358)
314
(346)
3,386
(3,308)
5,127 3,986 1,672 744 3,421

Total of All

136 765,065 489,600 29,715
(30,186)
3,674
(3,874)
17,625
(18,528)
1,067
(1,209)
7,348
(6,575)
13,140 9,602 5,072 2,236 9,670
* 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 September 1999 : 17,605 yen

(Note) 1.

Aggregate figures above are rounded to billion yen.
2. Long-term Credit Bank of Japan, Nippon Credit Bank, Kokumin, Koufuku ,Tokyo Sowa, Namihaya and Niigata Chuo 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 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 6,965 Billion Yen on solo base, 9,062 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 1,337 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 September 99)

 

Category I

Category II

Category III

Category IV

Major Banks

346,255 306,651 37,654 1,914 36

Regional Banks

138,823 122,512 15,793 518 0

Regional Banks II

47,061 40,838 6,022 201 0

Regional Banks Subtotal

185,884 163,350 21,815 719 0

Total of All banks

532,139 470,001 59,469 2,633 36
(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, Kokuminn, Koufuku, Tokyo Sowa, Namihaya and Niigata Chuo 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

FY1998

FY1999,
Sep

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]

2,275
[1,587]

  Net Transfer to 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]

1,008
[476]

Direct Write-offs

424

2,090

2,809

5,980
[5,490]

4,316
[3,676]

3,993
[3,501]

4,709
[4,268]

900
[812]

  Write-offs of Loans

204

235

706

1,721
[1,568]

973
[850]

851
[791]

2,377
[2,255]

607
[585]

Loss on sales to the CCPC

219

1,855

2,103

2,526
[2,132]

1,133
[971]

1,043
[921]

359
[339]

80
[77]

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]

61,041
[50,867]

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]

25,520
[23,068]

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]

29,715
[19,217]

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]

13,140
[8,013]

(Note)

1. Before 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.
2. 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, Kofuku and Tokyo Sowa Bank are excluded from the FY 1998. Namihaya Bank and Niigata Chuo Bank are excluded from the FY 1999.
3. Net Transfer to Allowance for Loan Loss refer to the total amount of Net Transfer to Specific Allowance for Loan Loss and Net Transfer to General Allowance for Loan Loss, etc.
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. 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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