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[Provisional Translation]
August 26, 2022
Financial Services Agency

The FSA publishes the status of loans held by all banks as of the end of March 2022, based on the Financial Reconstruction Act

1. Loans based on the Financial Reconstruction Act (FRA)

The total amount of loans held by all banks as of the end of March 2022, based on the definition in the FRA (Act No.132 of 1998), is 8.9 trillion yen. The figure increased by 1.0 trillion yen from 7.9 trillion yen as of end-March 2021.

[Table] Breakdown of the factors affecting changes in loans based on the FRA as of the end of March 2022 (Trillion yen, changes from the end of March 2021)

Loans based on the FRA: +1.0
  (Of which,) “Special attention loans”: -0.0
    [Increase factors]  
      Newly issued loans due to weakened business activities: +0.7
      Upgrading from lower categories: +0.0
      (Improvement of business conditions of borrowers: +0.0,  
      Establishment of restructuring plans: +0.0)  
      (Total of increase factors +0.7)
       
    [Decrease factors]  
      Return to normal claims: -0.4
      (Improvement of business conditions of borrowers: -0.3,  
      Establishment of restructuring plans: -0.1)  
      Downgrading to lower categories -0.8
      Repayment, etc. +0.4
      (Total of decrease factors -0.8)
       
  (Of which,) “Doubtful and bankrupt/de facto bankrupt”: +1.0
    [Increase factors]  
      Newly issued loans due to weakened business activities: +1.7
      Downgrading from upper categories: +0.8
      (Total of increase factors +2.5)
       
    [Decrease factor]  
      Removal from B/S, etc.: -1.5
      (Liquidation of claims credit, etc.: -1.1,  
      Upgrading to higher categories: -0.4)  
      (Total of decrease factors -1.5)

(Note: 1)
Source: Survey of banks by the FSA.

2. Specific provisions for loan losses

The total amount of specific provisions for loan losses as of the end of March 2022 stands at 2.4 trillion yen. The figure increased by 0.7 trillion yen from 1.7 trillion yen as of the end of March 2021.

3. Total loss amount from the disposal of non-performing loans (NPLs)

The total loss amount from the disposal of NPLs from April 2021 to March 2022 was 1.2 trillion yen, the same as in the fiscal year ended of March 2021.

(Note: 2)
All the figures rounded off to the nearest 0.1 trillion yen.
The figures relating to the “Transition of Results of Self-Assessment of Assets by Banks”

(Note: 3)
Until last year, "Transition of Risk Management Loans" had been published as Table 6.
Because the loans based on the Financial Reconstruction Act and Risk Management Loans have been consolidated into a single category from March 31, 2022, Transition of Risk Management Loans shall not be disclosed.
Accordingly, the "Transition of Results of Self-Assessment of Assets by Banks," which has been published in Table 7, will be published in Table 6.

Contact

Financial Services Agency
Tel +81-(0)3-3506-6000 (main)
Supervisory Research Office, Supervisory Coordination Division, Supervisory Bureau
(ext. 3313, 3889)

Table-1 Transition of Loans
Based on the Financial Reconstruction Act		 (Excel:66KB)(PDF:236KB)
Table-2 Breakdown of Factors Causing Changes in Loans
of All Banks Based on the Financial Reconstruction Act  		 (Excel:35KB)(PDF:146KB)
Table-3 Transition of Status of Coverage of Loans
Based on the Financial Reconstruction Act		 (Excel:44KB)(PDF:92KB)
Table-4 Transition of Valuation for Real Estate Collateral
(Value Available for Sale) and Sales Value		 (Excel:30KB)(PDF:36KB)
Table-5 Transition of Total Losses on Disposal of
Non-Performing Loans of All Banks		 (Excel:34KB)(PDF:49KB)
Table-6 Transition of Results of Self-Assessment
of Assets by Banks		 (Excel:35KB)(PDF:66KB)

Past Data

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