Non-performing loan ratio of Domestic Banks(30/6/2002)
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Central Bank of China
PRESS RELEASE Release Date: August 8, 2002
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Non-performing loan ratio of Domestic Banks(30/6/2002)
1.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.
2.According to the domestic banks' reporting data as of June 30, 2002, the total
outstanding of loans under consolidated basis was NT$ 14,129.8 billion and the
total outstanding of non-performing loans was NT$ 1,056.9 billion. The average
ratio of non-performing loans was 7.48%. Compared to the end of first quarter of
2002, the percentage points have decreased 0.56.
3.According to the information of Joint Credit Information Center, the
non-performing loans of domestic banks classified by sectors were as follows:
Unit:%
(table)[EXCEL][PDF]
4.The NPLs' ratio fell down 0.56 percentage points from March 31, 2002 to June
30, 2002, including that the total loans declined 1.06% and the outstanding of
NPLs decreased 7.89% . The decline of the loans was mainly owing to(1)The
repayments of the Treasury's short-term increased in result bank's loans from
government agencies decreased; (2) Banks sold loans and wrote off bad loans;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.
5.The outstanding of loans under surveillance stood NT$473.6 billion, including
NT$141.1 billion for term loans overdue for 3 months but less than 6 months,
NT$55 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$277.5 billion for reached NPL standard but
exempted from calculation with approval. The NPLs and loans under surveillance
totaled NT$1,530.5 billion, accounting for 10.83% of total loans(Table1). The
outstanding of loans under surveillance has decreased NT$56.4 billion since the
end of last quarter.
Table 1 Assets Quality Analysis of Local Banks
(June 30, 2002)
Non Performing Loans and Loans under Surveillance
Unit:NT$ 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.