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Japan 4 major banks results
bad loans in 2005

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4 Major Banks Results as of March 31, 2005
Billion Yen	Outstanding Bad Loans March 31 2005	Change from March 31 2004	Bad loans ratio March 31 2005	Bad loans ratio March 31 2004	Net Profit FY 2004 ends March 2005	Net Profit FY 2003 ends March 2004
Mizuho Group	1495.7	-53.1%	2.2%	4.4%	627.3	220.4
SMBC	1824.6	-35.1%	3.3%	5.0%	-234.2	-234.2
MTFG	1291.7	-9.0%	2.7%	2.9%	338.4	-222.4
UFJ	1716.3	-56.5%	4.1%	8.5%	-554.5	-151.7
Total	6328.3	-44.3%			177.07	-718.3

For bank results last year

UFJ has been taken over by BOTM

Our take:
The take over of UFJ by BOTM allowed UFJ to reduce its bad loan ration despite the significant losses that it caused

Japan bad loans at 4 major banking groups have declined to 6.3TY on March 2005 or 7.7TY less than a year earlier. Meanwhile, bad loan ratio fell from 5.2% to 2.9% (May 25)

Our take:
As expected, major banking groups have succeded in reducing their bad loan ratio by half in 3 years following Ministry instructions. We remain convinced that many more "hidden" bad loans remain on banks balance sheet.

　

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