No. 33 — August 25, 1999

 

Weekly Review

JAPAN'S NONPERFORMING-LOAN PROBLEM REFUSES TO GO AWAY

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Table 2: Assets of Japan's Banks Classified by Risk Management Groups,
March 31, 1999 and March 31, 2000

(in billions of yen)

Nonperforming and Restructured Loans

Loan-Loss Reserves

Total Assets

Of Which Loans:

LBB

PDL

3PDL

Restructured
Loans

Total

Specific Allowance

Total

Latent Stock Profits

March 31, 1999

Nationwide Commercial Banks

¥389,573

¥249,467

¥1,362

¥8,008

¥860

¥2,653

¥12,884

¥4,263

¥6,175

¥2,383

(1,330)

(8,714)

(1,009)

(1,970)

(13,023)

Long-Term Credit Banks

42,089

22,872

146

1,382

8

554

2,091

936

1,116

24

(148)

(1,307)

(9)

(555)

(2,019)

Trust Banks

90,015

47,846

774

3,532

114

856

5,275

1,614

1,967

297

(846)

(3,502)

(118)

(863)

(5,330)

aa Top 17 Banks Subtotal

521,677

320,185

2,282

12,922

982

4,063

20,250

6,813

9,258

2,704

(2,324)

(13,523)

(1,136)

(3,388)

(20,372)

First-Tier Regional Banks

200,303

138,584

1,498

1,824

439

3,007

6,769

3,254

4,117

2,355

Second-Tier Regional Banks

65,312

47,833

644

758

212

993

2,608

1,165

1,422

152

aa Regional Banks Subtotal

265,615

186,417

2,142

2,582

651

4,000

9,377

4,419

5,539

2,507

Total of All Banks

787,292

506,602

4,424

15,504

1,633

8,063

29,627

11,232

14,797

5,211

Total of All Financial Institutions

1,073,707

642,164

6,546

18,743

2,407

10,956

38,656

14,802

19,310

6,984

(6,932)

(20,157)

(2,639)

(9,922)

(39,651)

March 31, 2000

Nationwide Commercial Banks

¥378,468

¥241,469

¥922

¥8,147

¥537

¥2,422

¥12,048

¥3,174

¥5,105

¥6,345

(964)

(8,665)

(649)

(2,219)

(12,497)

Long-Term Credit Banks

51,806

29,937

307

1,820

33

1,629

3,789

955

1,405

216

(311)

(1,826)

(33)

(1,633)

(3,803)

Trust Banks

80,249

45,140

446

2,669

84

736

3,935

853

1,168

1,086

(480)

(2,705)

(93)

(742)

(4,020)

aa Top 17 Banks Subtotal

510,523

316,546

1,675

12,636

654

4,807

19,772

4,982

7,678

7,647

(1,755)

(13,196)

(775)

(4,594)

(20,320)

First-Tier Regional Banks

197,160

134,321

940

4,178

175

2,288

7,581

2,448

3,357

3,241

Second-Tier Regional Banks

62,057

45,306

483

1,545

90

895

3,013

934

1,195

244

aa Regional Banks Subtotal

259,217

179,627

1,423

5,723

265

3,183

10,594

3,382

4,552

3,485

Total of All Banks

769,740

496,173

3,098

18,359

919

7,990

30,366

8,364

12,230

11,132

Total of All Financial Institutions

1,055,072

629,213

4,961

23,812

1,194

11,400

41,367

11,496

16,348

12,777

(5,245)

(24,994)

(1,335)

(10,927)

(42,501)

Notes:

Consolidated figures in parentheses.

LBB = Loans to borrowers in legal bankruptcy.

PDL = Past-due loans in arrears by six months or more on which interest is not collected and does not add to earnings but excluding LBB loans with interest payments suspended as part of a restructuring of a borrower by its lender.

3PDL = Past-due loans on which principal or interest is in arrears by three to six months from the date of default on the payment of interest or principal under the terms of the loan agreement, excluding LBB and PDL.

Restructured Loans = Loans on which the original interest rate or maturity terms have been eased.

Latent Stock Profits = Profit or loss that would have been realized if banks' stock investment portfolios had been liquidated on that date.

Source: Financial Supervisory Agency (http://www.fsa.go.jp/news/newse/e20000728-1b.html).

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