Investor Presentaiton
Status of reserves & coverage: Kumamoto Bank
Under Watch Obligors
To be your Bank of choice
●Covered ratio for claims disclosed pursuant
to the Financial Reconstruction Act: 77.0%
Sep 30, 2014
( ) March 31, 2014
Claims
Collateral Uncovered
Guarantee C
Borrower's status
A
Reserves
D
Reserved ratio for
claims
Reserved ratio for
uncovered claims
(\bil.)
Covered
ratio
B+D
B
=A-B
DCF
DCF
D/A
D/C
A
Bankrupt
0.5
95
(21.5%)
(100%)
(100%)
2.3
0.6
0.6
21.2%
100%
100%
Quasi-bankrupt
2.4
(26.4%)
(57.7%)
(61.9%) (95.3%)
(83.7%)
Doubtful
20.3
11.3
9.0
5.7
27.9%
(19.5%)
57.6%
(41.7%)
Substandard
7.1
2.1
5.0
1.3
18.9%
42.7%
63.0% 95.3%
(28.3%)
27.0% 48.9%
83.6%
(50.1%)
(50.5%)
48.9%
(24.4%)
(54.6%)
(51.8%) (83.9%)
(77.3%)
Disclosed claims
30.3
15.7
14.6
7.6
25.2%
55.0%
52.3%
84.3%
77.0%
Watch obligors except
(5.5%)
(25.5%)
(12.4%)
(39.4%)
(60.7%)
155.7
83.5
72.2
8.1
substandard
5.2%
26.2%
(6.2%)
Watch obligors
162.8
85.6
77.2
9.5
5.8%
(27.1%)
27.9%
11.3%
(13.4%) (40.7%)
38.8%
58.9%
(60.2%)
12.3% 40.1%
58.4%
Under watch obligors
186.0
99.2
86.8
15.8
(8.6%)
8.5%
(35.6%)
37.4%
(19.1%) (54.9%)
18.2% 56.2%
(63.4%)
61.8%
FFG Fukuoka Financial Group
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