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REFERENCE

1. Classification of credits to affiliated non-banks

2. Allowance ratios (self-assessment basis)

3. Details of credits classified as category 2

1. Classification of credits to affiliated non-banks

"Affiliated non-banks" on the chart below are limited to under-performing affiliated non-banks which are under influence of the bank (establishment, funding, human resources, etc.), regardless of whether or not they are funded by the banks, and which require financial or management supports from banks.

* The amount of classified credit is before write-off/allowance, and necessary write-off/allowance following self-credit-assessment has already been put into as of end March, 1998.

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2. Allowance ratios (self-assessment basis)

(1)

General allowance ratio

[1]

Credits to "Normal" debtors

Average 0.13%

(Allowance ratio)	(Number of banks)
less than 0.10%	6 banks
0.10 - less than 0.15%	4 banks
0.15 and over	7 banks

[2]

Credits to "Need Attention" debtors

Average 1.59%

(Allowance Ratio)	(Number of banks)
less than 1.50%	11 banks
1.50 - less than 2.00%	3 banks
2.00% and over	3 banks

(Note) More than half of credits to "Need Attention" debtors are classified as category 1.

(2)

Average allowance ratio for credits to "In Danger of Bankruptcy" debtors, classified as category 3.

Average 52.10 %

(Average allowance ratio)	(Number of banks)
less than 45.0%	5 banks
45.0 - less than 55%	7 banks
55.0% and over	5 banks

(Note)

For each credits to "In Danger of Bankruptcy" debtors, classified as category 3, banks are required to make specific allowances instead of general allowances.

3. Details of credits classified as category 2

A	Details of credits classified as category 2, according to category of debtors (before write-off/allowance)

(billion yens)

Debtor category	Credit amount
Need Attention	36,094.1
In Danger of Bankruptcy	4,540.7
Effectively Bankrupt	2,016.2
Bankrupt	1,223.8
Others	123.1
Total	43,997.9

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B	Details of credits to "Need Attention" debtors classified as category 2 (before write-off/allowance)

(billion yens)

		Amount	Security for credits
		Amount	secured by collateral or guarantees	not secured by collateral or guarantees
	Loans to debtors in legal bankruptcy	---	---	---
	Past due loans	443.9	122.0	321.9
	Loans in arrears by 3 months or more	598.2	264.4	333.8
	Restructured loans	2,105.6	315.3	1,790.3
Loans whose disclosure is required by the Zenginkyo standard		3,147.7	701.7	2,446.0
Disclosure unrequired loans		32,946.4	7,757.8	25,188.6
Total		36,094.1	8,459.5	27,634.6

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