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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	Latent Gains or Losses on Securities

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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