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Central Bank of the Republic of China

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Non-perforning loan ratio of Domestic Banks (30/9/2002)


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Central Bank of China

PRESS RELEASE Release Date: November 11, 2002




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Non-performing loan ratio of Domestic Banks(30/9/2002)


I.Non-performing loan ratio of Domestic Banks

Unit: %


(table)[EXCEL][PDF]

Note : Consolidated units include domestic banking units, offshore banking units and overseas branches of domestic banks.

II.According to the domestic banks' reporting data as of September 30, 2002, the total outstanding of loans under consolidated basis was NT$ 14,029.6 billion and the total outstanding of non-performing loans was NT$ 998.8 billion. The average ratio of non-performing loans was 7.12%. Compared to the end of second quarter of 2002, the percentage points have decreased 0.36.

III.According to the information of Joint Credit Information Center, the non-performing loans of domestic banks classified by sectors were as follows:


Table 1 Assets Quality Analysis of Local Banks

(September 30, 2002)

Non Performing Loans and Loans under Surveillance

Unit:NT$ Billion

(table)[EXCEL][PDF]


*:Exempted from calculation included:restructured loans, loans compensated by the Credit Guaranty Funds, loans with sufficient certificate of deposits or reserve, loans affected by the September 21st Earthquake of 1999 could be extended the due date to repay with an agreement between the borrowers and the banks, loans of which collaterals have been disposed by the court but the proceeds have not been distributed, other loans granted approval by Ministry of Finance.









Unit:%

(table)[EXCEL][PDF]



IV.The NPLs' ratio fell down 0.36 percentage points from June 30, 2002 to September 30, 2002, including that the total loans declined 0.71% and the outstanding of NPLs decreased 5.50%. The decrease of the outstanding of NPLs was attributed to (1) Banks wrote off bad loans in large amount; (2) The repayments of borrowers and the disposal of banks' collaterals increased. (3) The NPLs' sale to asset management companies increased.

V.The outstanding of loans under surveillance stood NT$427.4 billion, including NT$117.6 billion for term loans overdue for 3 months but less than 6 months, NT$41.6 billion for other loans whose principal not overdue or has been overdue for less than 3 months but with interests payment overdue for more than 3 months but less than 6 months, and NT$268.2 billion for reached NPL standard but exempted from calculation with approval. The NPLs and loans under surveillance totaled NT$1,426.2 billion, accounting for 10.17% of total loans(Table1). The outstanding of loans under surveillance has decreased NT$46.2 billion since the end of last quarter.


 

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