Investor Presentaiton
5. Changes in NPL Disposals by Factor
FY2016 FY2017
FY2018 FY2019
(Billion yen)
FY2020
Factors
A. Recognition of NPLs (Bankrupt: Normal or Tagged
⇒ Virtually bankrupt or legally bankrupt)
B. Recognition of NPLs (Bankrupt: Deemed bankrupt
(*1)
0.3
1.0
1.2
1.8
1.6
0.3
0.3
0.5
0.4
0.3
⇒ Virtually bankrupt or legally bankrupt)
Recognition of NPLs (total for A and B)
0.7
1.3
1.8
2.3
2.0
C. Downgraded customers (Deteriorating performance: Normal or Tagged
⇒ Deemed bankrupt)
2.2
1.5
1.9
2.0
2.2
D. Upgraded customers
(1.2)
(0.4)
(1.0)
(0.4)
(0.5)
Upgraded and downgraded customers (total for C and D)
0.9
1.1
0.8
1.5
1.6
E. Changes in collateral value
F. Changes in reserve ratio (Deemed bankrupt borrowers)
G. Individual calculations
H. Debt sold
I. Debt forgiveness
0.0
0.0
0.1
0.1
0.0
(0.0)
(0.2)
(0.0)
(0.1)
(0.1)
1.4
0.4
0.9
1.9
2.8
0.0
0.0
1.0
1.0
(0.2)
(0.0)
(0.0)
(0.1)
|J. Other (rehabilitation, collection, etc.)
(1.4)
(2.3)
(0.7)
(1.1)
(1.3)
Other (total for E through J)
Subtotal
(0.0)
(1.9)
0.4
0.9
1.1
1.6
0.5
3.1
4.8
4.8
K. Joint responsibility system (reserves and accrued expenses)
0.0
0.1
0.2
0.2
0.0
L. Other
0.0
0.0
0.0
(0.0)
0.0
Total NPL disposals
(*2) 1.7
0.6
3.3
5.0
4.8
<Reference>
FY2016
(*2) Table shows net amount including
reversals from reserve for possible
loan losses. ((1) + (2))
6
(*1) Standard for calculating reserve
for possible loan losses was
revised.
NPL disposal amount on Income statements (1)
Transfer to reserve for possible loan losses
Transfer to general reserve for possible loan losses
Transfer to specific reserve for possible loan losses (2)
0.1
(0.4)
(1.9)
1.5
SAN-IN GODO BANKView entire presentation