2000.07.28 table

Risk Management Loans of All Japanese Banks(as of the end of March 2000)

(in billion yen)

			Total Assets		Outstanding of Non-performing and Restructured Loans					Allowance 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	378,468	241,469	12,048 (12,497)	922 (964)	8,147 (8,665)	537 (649)	2,442 (2,219)	5,105	3,174	2,546	2,384	6,345
Long-term Credit Banks		2	51,806	29,937	3,789 (3,803)	307 (311)	1,820 (1,826)	33 (33)	1,629 (1,633)	1,405	955	288	271	216
Trust Banks		7	80,249	45,140 0	3,935 (4,020)	446 (480)	2,669 (2,705)	84 (93)	736 (742)	1,168	853	689	380	1,086
Major Banks Subtotal		18	510,523	316,546	19,772 (20,320)	1,675 (1,755)	12,636 (13,196)	654 (775)	4,807 (4,594)	7,678	4,982	3,523	3,035	7,647

Regional Banks		64	197,160	134,321	7,581 (7,897)	940 (1,050)	4,178 (4,385)	175 (181)	2,288 (2,281)	3,357	2,448	1,260	1,223	3,241
Regional Banks II		55	62,057	45,306	3,013 (3,116)	483 (531)	1,545 (1,629)	90 (100)	895 (856)	1,195	934	445	370	244
Regional Banks Subtotal		119	259,217	179,627	10,594 (11,013)	1,423 (1,581)	5,723 (6,014)	265 (281)	3,183 (3,137)	4,552	3,382	1,705	1,593	3,485
Total of All Banks		137	769,740	496,173	30,366 (31,333)	3,098 (3,336)	18,359 (19,210)	919 (1,056)	7,990 (7,731)	12,230	8,364	5,228	4,628	11,132

Cooperative-type Financial Institutions		733	285,332	133,040	11,001 (11,168)	1,863 (1,909)	5,453 (5,784)	275 (279)	3,410 (3,196)	4,118	3,132	1,627	1,276	1,645
	Shinkin Banks	377	131,094	72,327	6,400 (6,418)	1,024 (1,030)	3,499 (3,504)	113 (114)	1,764 (1,770)	2,149	1,674	805	730	541
	Credit Cooperatives	266	23,554	14,685	2,035 (2,035)	366 (366)	787 (787)	116 (116)	766 (766)	641	520	144	126	68
	Rokin Banks	42	15,654	7,512	75 (75)	6 (6)	45 (45)	9 (9)	15 (15)	50	23	89	77	52
	Financial Institutions for Agriculture	47	101,120	27,346	1,733 (1,882)	210 (250)	670 (996)	29 (32)	824 (604)	859	544	514	249	980

Total of All		870	1,055,072	629,213	41,367 (42,501)	4,961 (5,245)	23,812 (24,994)	1,194 (1,335)	11,400 (10,927)	16,348	11,496	6,855	5,904	12,777

*	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 March 2000 : 20,337 yen
(Note) 1.	Nippon Credit Bank, Kokumin Bank, Koufuku Bank ,Tokyo Sowa Bank, Namihaya Bank, Niigata Chuo Bank and Cooperative-type Financial Institutions that declared bankruptcy are excluded.
3.	PDL are loans of which interest is not collected and are not recognized as to earnings, excluding LBB and loans of which payment of interest is in a grace period for the purpose of reconstructing 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 ( ) are the amount of the risk management loans on consolidated bases. The amount of risk management loans of Yasuda trust bank, Japan trust bank, Wakashio bank and Kansai bank, are excluded from those of their parent banks' consolidated
5.	Some financial institutions conducted "Partial Direct Write-offs" (to write-off uncollectible portions (Category IV ) of bankrupt/effectively bankrupt loans with collateral/guarantee, instead of making specific allowance for loan losses), which amounted to was 8,608 billion Yen on non-consolitated bases and 10,622 billion Yen on consolidated bases.

name="table2">Self-Assessment LANG="JA" SIZE="2">

(in billion yen)

		Total Credit Exposure (as of the end of March 2000)
			Category I	Category II	Category III	Category IV

Major Banks		349,765	308,857	38,879	2,017	12
Regional Banks		139,134	122,935	15,609	590	0
Regional Banks II		46,875	40,596	6,051	228	0
Regional Banks Subtotal		186,009	163,531	21,660	818	0

Total of All Banks		535,774	472,388	60,539	2,835	12

Cooperative-type Financial Institutions		137,564	119,177	17,681	706	0
	Shinkin Banks	75,202	64,371	10,527	304	0
	Credit Cooperatives	15,477	12,334	2,877	266	0
	Financial Institutions for Agriculture	28,280	26,203	1,995	82	0

Total of All		673,338	591,565	78,220	3,541	12

(Note) 1.	Total credit exposure includes loans, bills discounted, securities loaned, foreign exchange, customers' liabilities for acceptances and guarantees, accrued interest, and suspense payments.
2.	Nippon Credit Bank, Kokuminn Bank, Koufuku Bank, Tokyo Sowa Bank, Namihaya Bank, Niigata Chuo Bank and Cooperative-type Financial Institutions that declared own bankruptcy are excluded.

Loss on Disposal of Bad Loans of All Japanese Banks

(Billion Yen)

				FY1992	FY1993	FY1994	FY1995	FY1996	FY1997	FY1998	FY1999

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]	6,944 [5,398]
	Net Transfer to Allowance for Loan Losses			945	1,146	1,402	7,087 [5,576]	3,447 [2,534]	8,403 [6,552]	8,118 [5,490]	2,531 [1,339]
		Direct Write-offs		424	2,090	2,809	5,980 [5,490]	4,316 [3,676]	3,993 [3,501]	4,709 [4,268]	3,865 [3,609]
			Write-offs of Loans	204	235	706	1,721 [1,568]	973 [850]	851 [791]	2,377 [2,255]	1,881 [1,734]
			Loss on sales to the CCPC	219	1,855	2,103	2,526 [2,132]	1,133 [971]	1,043 [921]	359 [339]	278 [272]

Aggregate 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]	65,710 [54,678]
Aggregate of Direct Write-offs				424	2,514	5,322	11,302 [10,812]	15,618 [14,488]	19,611 [17,988]	24,320 [22,256]	28,185 [25,865]

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]	30,366 [19,772]

Outstanding Amount of Allowance for Loan Losses				3,698	4,547	5,536	13,293 [10,345]	12,334 [9,388]	17,815 [13,601]	14,797 [9,258]	12,230 [7,678]

(Note)
1.	Net transfer to allowance for loan losses : 3,397 billion Yen, Direct write-offs : 4,098 billion Yen, Loss on disposal of bad loans : 8,144 billion Yen (Regarding all Banks and Cooperative-type Financial Institutions (FY 1999) ).
2.	For FY 1992 to 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.
3.	Hokkaido Takusyoku, Tokuyo City, Kyoto Kyoei, Naniwa, Fukutoku, and Midori Bank are excluded from 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 FY 1999.
4.	Net Transfer to Allowance for Loan Losses refer to the total amount of Net Transfer to Specific Allowance for Loan Loss and Net Transfer to General 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 for FY1995 and FY1996. For FY 1992 to FY 1994, the figures had been composed of LBB and PDL.