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Capital Ratio (Domestic Standard)
On March 31, 2005, the Bank’s capital ratio stood at 8.85%, down 0.95 percentage point from the previous term. However, the ratio of Tier 1 capital, which excludes the auxiliary portion of capital, was well above the domestic standard, at (4.00)%, and represents a good capital constitution.
Non-Performing Loans
The term-end balance of non-performing loans (defined as bad debt subject to mandatory disclosure under the Financial Reconstruction Law) amounted to ¥95.5 billion (US$889.4 million), a decrease of ¥25 billion from the previous term-end. The ratio of these non-performing loans to total credit (as defined by the stipulations of the Financial Reconstruction Law) was 6.49%, down 1.59 percentage points.
Covered Amount and Coverage Ratio by Borrower Category
| |
As of March 31, 2005 |
As of March 31, 2004 |
| Loan balance |
Reserve for loan losses |
Coverage ratio |
Loan balance |
Reserve for loan losses |
Coverage ratio |
| Legally bankrupt borrowers |
10.7 |
4.9 |
100% of the uncovered portion |
-11.9 |
-11.6 |
+0.00% |
| Essentially bankrupt borrowers |
59.2 |
32.4 |
77.31% of the uncovered portion |
-2.1 |
+14.8 |
+31.61% |
| Borrowers threatened with bankruptcy |
57.3 |
18.4 |
42.88% of the uncovered portion |
-18.1 |
+7.1 |
+20.64% |
| Borrowers requiring caution |
207.8 |
5.0 |
2.42% of the total claims |
-19.5 |
+2.4 |
+1.26% |
| Normal borrowers |
1,134.8 |
0.6 |
0.06% of the total claims |
+30.7 |
-0.1 |
-0.01% |
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