Loans and Allowance for Credit Losses [Text Block] | 4. LOANS AND ALLOWANCE FOR CREDIT LOSSES Loans at March 31, 2017 and September 30, 2017 by domicile and industry of the borrower are summarized below. Classification of loans by industry is based on the industry segment loan classifications as defined by the Bank of Japan. March 31, September 30, (in millions) Domestic: Manufacturing ¥ 11,796,803 ¥ 11,478,200 Construction 819,262 747,597 Real estate 11,622,372 11,628,219 Services 2,549,300 2,483,356 Wholesale and retail 7,970,579 8,111,508 Banks and other financial institutions (1) 5,223,906 4,928,322 Communication and information services 1,634,584 1,578,257 Other industries 8,898,712 8,653,551 Consumer 16,491,010 16,292,794 Total domestic 67,006,528 65,901,804 Foreign: Governments and official institutions 1,037,795 1,132,064 Banks and other financial institutions (1) 13,844,964 14,333,357 Commercial and industrial 30,279,641 30,544,651 Other 6,334,551 6,603,552 Total foreign 51,496,951 52,613,624 Unearned income, unamortized premiums—net and deferred loan fees—net (288,507 ) (280,005 ) Total (2) ¥ 118,214,972 ¥ 118,235,423 Notes: (1) Loans to so-called “non-bank Non-bank (2) The above table includes loans held for sale of ¥185,940 million at March 31, 2017 and ¥148,761 million at September 30, 2017, respectively. The MUFG Group classifies its loan portfolio into the following portfolio segments—Commercial, Residential, Card, MUAH, and Krungsri based on the grouping used by the MUFG Group to determine the allowance for credit losses. The MUFG Group further classifies the Commercial segment into classes based on initial measurement attributes, risk characteristics, and its method of monitoring and assessing credit risk. See Note 1 to the consolidated financial statements for the fiscal year ended March 31, 2017 for further information. Nonaccrual Loans Originated loans are generally placed on nonaccrual status when substantial doubt exists as to the full and timely collection of either principal or interest, when principal or interest is contractually past due one month or more with respect to loans within all classes of the Commercial segment, three months or more with respect to loans within the Card, MUAH, and Krungsri segments, and six months or more with respect to loans within the Residential segment. See Note 1 to the consolidated financial statements for the fiscal year ended March 31, 2017 for further information. The nonaccrual loans by class at March 31, 2017 and September 30, 2017 is shown below: March 31, September 30, (in millions) Commercial Domestic ¥ 471,148 ¥ 464,509 Manufacturing 185,095 170,053 Construction 15,202 11,928 Real estate 44,374 36,058 Services 38,602 34,240 Wholesale and retail 131,213 121,408 Banks and other financial institutions 2,432 1,404 Communication and information services 18,685 22,673 Other industries 10,034 43,559 Consumer 25,511 23,186 Foreign-excluding MUAH and Krungsri 191,889 121,698 Residential 75,399 72,577 Card 61,424 61,350 MUAH 82,150 54,056 Krungsri 94,902 107,406 Total (1) ¥ 976,912 ¥ 881,596 Note: (1) The above table does not include loans held for sale of nil and ¥8,549 million at March 31, 2017 and September 30, 2017, respectively, and loans acquired with deteriorated credit quality of ¥9,720 million and ¥8,281 million, at March 31, 2017 and September 30, 2017, respectively. Impaired Loans The MUFG Group’s impaired loans primarily include nonaccrual loans and troubled debt restructurings (“TDRs”). The following table shows information about impaired loans by class at March 31, 2017 and September 30, 2017: Recorded Loan Balance At March 31, 2017: Requiring Not Requiring (1) Total (2) Unpaid Related (in millions) Commercial Domestic ¥ 875,977 ¥ 187,738 ¥ 1,063,715 ¥ 1,107,203 ¥ 608,122 Manufacturing 555,009 39,587 594,596 602,038 411,787 Construction 15,007 9,068 24,075 24,907 9,107 Real estate 53,048 30,274 83,322 90,797 14,987 Services 48,304 23,162 71,466 78,097 31,074 Wholesale and retail 160,422 53,760 214,182 224,141 115,673 Banks and other financial institutions 1,836 607 2,443 2,443 1,674 Communication and information services 14,166 10,652 24,818 26,641 10,565 Other industries 10,714 5,806 16,520 17,403 7,226 Consumer 17,471 14,822 32,293 40,736 6,029 Foreign-excluding MUAH and Krungsri 262,887 23,019 285,906 309,975 164,682 Loans acquired with deteriorated credit quality 8,013 — 8,013 11,513 3,619 Residential 120,465 6,557 127,022 154,006 46,971 Card 71,849 462 72,311 80,392 20,523 MUAH 77,160 16,292 93,452 113,414 19,173 Krungsri 44,679 20,752 65,431 71,075 19,118 Total (3) ¥ 1,461,030 ¥ 254,820 ¥ 1,715,850 ¥ 1,847,578 ¥ 882,208 Recorded Loan Balance At September 30, 2017: Requiring Not Requiring (1) Total (2) Unpaid Related (in millions) Commercial Domestic ¥ 798,605 ¥ 174,397 ¥ 973,002 ¥ 1,011,187 ¥ 481,924 Manufacturing 465,650 38,861 504,511 510,778 264,592 Construction 12,106 7,600 19,706 20,515 8,221 Real estate 48,164 25,540 73,704 79,420 12,289 Services 41,362 20,071 61,433 65,892 28,420 Wholesale and retail 149,155 50,112 199,267 209,028 107,728 Banks and other financial institutions 1,634 27 1,661 1,661 1,354 Communication and information services 19,999 8,254 28,253 29,661 16,303 Other industries 47,146 7,934 55,080 56,503 38,546 Consumer 13,389 15,998 29,387 37,729 4,471 Foreign-excluding MUAH and Krungsri 141,967 43,722 185,689 211,938 70,803 Loans acquired with deteriorated credit quality 9,703 — 9,703 17,683 3,939 Residential 113,729 6,130 119,859 145,237 26,785 Card 69,440 408 69,848 77,497 20,457 MUAH 50,796 29,304 80,100 92,992 9,957 Krungsri 56,160 21,949 78,109 85,136 28,412 Total (3) ¥ 1,240,400 ¥ 275,910 ¥ 1,516,310 ¥ 1,641,670 ¥ 642,277 Notes: (1) These loans do not require an allowance for credit losses because the recorded loan balance equals, or does not exceed, the present value of expected future cash flows discounted at the loans’ effective interest rate, loans’ observable market price, or the fair value of the collateral if the loan is a collateral-dependent loan. (2) Included in impaired loans at March 31, 2017 and September 30, 2017 are accrual TDRs as follows: ¥688,746 million and ¥574,719 million—Commercial; ¥50,213 million and ¥45,957 million—Residential; ¥32,564 million and ¥30,467 million—Card; ¥24,708 million and ¥35,667 million—MUAH; and ¥23,588 million and ¥24,428 million—Krungsri, respectively. (3) In addition to impaired loans presented in the above table, there were impaired loans held for sale of ¥9,879 million and ¥21,585 million at March 31, 2017 and September 30, 2017, respectively. The following table shows information regarding the average recorded loan balance and recognized interest income on impaired loans for the six months ended September 30, 2016 and 2017: 2016 2017 Average Recognized Average Recognized (in millions) Commercial Domestic ¥ 999,938 ¥ 6,238 ¥ 952,510 ¥ 4,830 Manufacturing 484,687 2,505 509,211 1,812 Construction 24,336 200 20,112 144 Real estate 100,849 726 77,940 574 Services 80,076 569 62,750 381 Wholesale and retail 217,657 1,469 190,328 1,109 Banks and other financial institutions 641 4 2,030 7 Communication and information services 25,560 264 24,872 192 Other industries 26,766 207 34,783 387 Consumer 39,366 294 30,484 224 Foreign-excluding MUAH and Krungsri 294,123 1,977 235,723 3,573 Loans acquired with deteriorated credit quality 11,051 371 8,817 563 Residential 137,247 971 123,441 846 Card 76,953 1,334 71,080 1,052 MUAH 43,181 467 64,293 898 Krungsri 47,091 1,549 71,176 1,788 Total ¥ 1,609,584 ¥ 12,907 ¥ 1,527,040 ¥ 13,550 Interest income on nonaccrual loans for all classes was recognized on a cash basis when ultimate collectibility of principal was certain. Otherwise, cash receipts were applied as principal reductions. Interest income on accruing impaired loans, including TDRs, was recognized on an accrual basis to the extent that the collectibility of interest income was reasonably certain based on management’s assessment. The following table shows a roll-forward of accrual TDRs and other impaired loans (including nonaccrual TDRs) for the six months ended September 30, 2016 and 2017: 2016 2017 (in millions) Accrual TDRs: Balance at beginning of period ¥ 613,844 ¥ 819,819 Additions (new accrual TDR status) (1) 358,224 65,483 Transfers to other impaired loans (including nonaccrual TDRs) (28,876 ) (16,624 ) Loans sold (1,594 ) (16,776 ) Principal payments and other (115,714 ) (140,664 ) Balance at end of period (1) ¥ 825,884 ¥ 711,238 Other impaired loans (including nonaccrual TDRs): Balance at beginning of period ¥ 1,111,306 ¥ 896,031 Additions (new other impaired loans (including nonaccrual TDRs) status) (1)(2) 196,443 145,885 Charge-off (59,880 ) (57,238 ) Transfers to accrual TDRs (312,649 ) (20,000 ) Loans sold (12,951 ) (22,482 ) Principal payments and other (167,508 ) (137,124 ) Balance at end of period (1) ¥ 754,761 ¥ 805,072 Notes: (1) For the six months ended September 30, 2016, lease receivables of ¥51 million and ¥62 million in the Krungsri segment, which were accrual TDRs and nonaccrual TDRs, respectively, are excluded from the additions of accrual TDRs and other impaired loans, respectively, and the related ending balances of such TDRs amounting to ¥3,141 million and ¥772 million, are also excluded from the balance of accrual TDRs and other impaired loans, respectively, as of September 30, 2016. For the six months ended September 30, 2017, lease receivables of ¥880 million and ¥70 million in the Krungsri segment, which were accrual TDRs and nonaccrual TDRs, respectively, are excluded from the additions of accrual TDRs and other impaired loans, respectively, and the related ending balances of such TDRs amounting to ¥4,644 million and ¥628 million, are also excluded from the balance of accrual TDRs and other impaired loans, respectively, as of September 30, 2017. (2) Included in the additions of other impaired loans for the six months ended September 30, 2016 and 2017 are nonaccrual TDRs as follows: ¥5,527 million and ¥6,489 million—Card; ¥13,967 million and ¥3,366 million—MUAH; and ¥3,484 million and ¥6,108 million—Krungsri, respectively. Troubled Debt Restructurings The following table summarizes the MUFG Group’s TDRs by class for the six months ended September 30, 2016 and 2017: 2016 2017 Troubled Debt Troubled Debt Troubled Debt Troubled Debt Pre- Post- Recorded Pre- Post- Recorded (in millions) Commercial (1)(3) Domestic ¥ 279,767 ¥ 279,767 ¥ 2,790 ¥ 28,645 ¥ 28,603 ¥ 2,996 Manufacturing 251,468 251,468 1,089 12,502 12,460 368 Construction 1,287 1,287 — 142 142 — Real estate 4,796 4,796 — 1,107 1,107 10 Services 3,024 3,024 158 2,343 2,343 680 Wholesale and retail 15,046 15,046 1,510 9,889 9,889 1,778 Banks and other financial institutions — — — 246 246 — Communication and information services 2,001 2,001 — 1,072 1,072 135 Other industries 948 948 — 425 425 — Consumer 1,197 1,197 33 919 919 25 Foreign-excluding MUAH and Krungsri 49,767 49,767 — 9,983 9,983 — Loans acquired with deteriorated credit quality 1,030 1,030 — — — — Residential (1)(3) 7,160 7,160 78 5,459 5,459 124 Card (2)(3) 8,244 8,056 2,027 9,570 9,334 1,977 MUAH (2)(3) 21,721 21,608 1,641 18,878 18,878 2,331 Krungsri (2)(3) 13,927 13,927 1,198 9,856 9,856 1,735 Total ¥ 381,616 ¥ 381,315 ¥ 7,734 ¥ 82,391 ¥ 82,113 ¥ 9,163 Notes: (1) TDRs for the Commercial and Residential segments include accruing loans, and do not include nonaccrual loans. (2) TDRs for the Card, MUAH and Krungsri segments include accrual and nonaccrual loans. (3) For the six months ended September 30, 2016, extension of the stated maturity date of loans was the primary concession type in the Residential and Krungsri segments, reduction in the stated rate was the primary concession type in the Card and Commercial segments and payment deferrals was the primary concession type in the MUAH segment. For the six months ended September 30, 2017, extension of the stated maturity date of loans was the primary concession type in the Commercial, Residential, MUAH and Krungsri segments, reduction in the stated rate was the primary concession type in the Card segments. The following table summarizes outstanding recorded investment balances of TDRs by class at March 31, 2017 and September 30, 2017: March 31, September 30, (in millions) Commercial (1) Domestic ¥ 592,578 ¥ 508,498 Manufacturing 409,500 334,467 Construction 8,881 7,778 Real estate 38,953 37,645 Services 32,864 27,192 Wholesale and retail 82,968 77,857 Banks and other financial institutions 11 256 Communication and information services 6,133 5,580 Other industries 6,486 11,523 Consumer 6,782 6,200 Foreign-excluding MUAH and Krungsri 96,168 66,221 Residential (1) 50,213 45,957 Card (2) 72,311 69,848 MUAH (2) 69,830 66,593 Krungsri (2) 46,651 52,308 Total ¥ 927,751 ¥ 809,425 Notes: (1) TDRs for the Commercial and Residential segments include accruing loans and do not include nonaccrual loans. (2) TDRs for the Card, MUAH and Krungsri segments include accrual and nonaccrual loans. Included in the outstanding recorded investment balances as of March 31, 2017 and September 30, 2017 are nonaccrual TDRs as follows: ¥39,747 million and ¥39,381 million—Card; ¥45,122 million and ¥30,926 million—MUAH; and ¥18,998 million and ¥23,236 million—Krungsri, respectively. A modification of terms of a loan under a TDR mainly involves: (i) a reduction in the stated interest rate applicable to the loan, (ii) an extension of the stated maturity date of the loan, (iii) a partial forgiveness of the principal of the loan, or (iv) a combination of all of these. Those loans are also considered impaired loans, and hence the allowance for credit losses is separately established for each loan. As a result, the amount of allowance for credit losses increases in many cases upon classification as a TDR loan. The amount of pre-modification TDRs for the Commercial and Residential segments in the above tables include accruing loans, and do not include nonaccrual loans. Once a loan is classified as a nonaccrual loan, a modification would have little likelihood of resulting in the recovery of the loan in view of the severity of the financial difficulty of the borrower. Therefore, even if a nonaccrual loan is modified, the loan continues to be classified as a nonaccrual loan. The vast majority of modifications to nonaccrual loans are temporary extensions of the maturity dates, typically for periods up to 90 days, and continually made as the borrower is unable to repay or refinance the loan at the extended maturity. Accordingly, the impact of such TDRs on the outstanding recorded investment is immaterial, and the vast majority of nonaccrual TDRs have subsequently defaulted. TDRs that subsequently defaulted in the Commercial and Residential segments in the above tables include those accruing loans that became past due one month or more within the Commercial segment and six months or more within the Residential segment, and those accruing loans reclassified to nonaccrual loans due to financial difficulties even without delinquencies. This is because classification as a nonaccrual loan is regarded as default under the MUFG Group’s credit policy. Also, the MUFG Group defines default as payment default for the purpose of the disclosure. In regards to the Card, MUAH and Krungsri segments, the TDRs in the above tables represent nonaccrual and accruing loans, and the defaulted loans in the above table represent nonaccruing and accruing loans that became past due one month or more within the Card segment, 60 days or more within the MUAH segment, and six months or more within the Krungsri segment. Historical payment defaults are one of the factors considered when projecting future cash flows in determining the allowance for credit losses for each segment. Credit Quality Indicator Credit quality indicators of loans by class at March 31, 2017 and September 30, 2017 are shown below: At March 31, 2017: Normal Close Likely to become Total (1) (in millions) Commercial Domestic ¥ 49,572,413 ¥ 2,161,965 ¥ 296,961 ¥ 52,031,339 Manufacturing 10,882,533 821,062 65,112 11,768,707 Construction 753,879 53,255 11,550 818,684 Real estate 11,137,637 352,785 42,382 11,532,804 Services 2,267,272 237,067 31,202 2,535,541 Wholesale and retail 7,403,680 462,577 98,423 7,964,680 Banks and other financial institutions 5,207,774 14,341 892 5,223,007 Communication and information services 1,573,518 45,342 15,357 1,634,217 Other industries 8,725,914 125,725 8,086 8,859,725 Consumer 1,620,206 49,811 23,957 1,693,974 Foreign-excluding MUAH and Krungsri 36,134,401 971,228 189,599 37,295,228 Loans acquired with deteriorated credit quality 16,503 12,572 5,065 34,140 Total ¥ 85,723,317 ¥ 3,145,765 ¥ 491,625 ¥ 89,360,707 Accrual Nonaccrual Total (1) (in millions) Residential ¥ 14,256,263 ¥ 76,185 ¥ 14,332,448 Card ¥ 531,331 ¥ 61,822 ¥ 593,153 Credit Quality Based on Credit Quality Based on Accrual Nonaccrual Pass Special Classified Total (1)(2) (in millions) MUAH ¥ 3,837,763 ¥ 22,949 ¥ 4,879,158 ¥ 133,032 ¥ 151,553 ¥ 9,024,455 Normal Special Substandard or Total (1) (in millions) Krungsri ¥ 4,672,435 ¥ 195,472 ¥ 98,335 ¥ 4,966,242 At September 30, 2017: Normal Close Watch Likely to become Total (1) (in millions) Commercial Domestic ¥ 48,998,517 ¥ 1,832,425 ¥ 314,006 ¥ 51,144,948 Manufacturing 10,741,717 655,748 63,955 11,461,420 Construction 687,938 48,890 10,203 747,031 Real estate 11,198,972 309,827 35,400 11,544,199 Services 2,246,457 198,002 27,211 2,471,670 Wholesale and retail 7,596,267 408,725 89,977 8,094,969 Banks and other financial institutions 4,915,187 11,632 1,404 4,928,223 Communication and information services 1,513,008 44,328 20,585 1,577,921 Other industries 8,497,806 110,830 42,539 8,651,175 Consumer 1,601,165 44,443 22,732 1,668,340 Foreign-excluding MUAH and Krungsri 37,670,119 739,011 118,760 38,527,890 Loans acquired with deteriorated credit quality 14,230 12,576 4,721 31,527 Total ¥ 86,682,866 ¥ 2,584,012 ¥ 437,487 ¥ 89,704,365 Accrual Nonaccrual Total (1) (in millions) Residential ¥ 14,081,156 ¥ 70,189 ¥ 14,151,345 Card ¥ 530,913 ¥ 61,725 ¥ 592,638 Credit Quality Based on Credit Quality Based on Accrual Nonaccrual Pass Special Classified Total (1)(2) (in millions) MUAH ¥ 3,963,344 ¥ 17,136 ¥ 4,612,200 ¥ 74,704 ¥ 133,840 ¥ 8,801,224 Normal Special Substandard or Total (1) (in millions) Krungsri ¥ 4,820,843 ¥ 185,274 ¥ 109,834 ¥ 5,115,951 Notes: (1 ) Total loans in the above table do not include loans held for sale, and represent balances without adjustments in relation to unearned income, unamortized premiums and deferred loan fees. (2 ) Total loans of MUAH do not include Federal Deposit Insurance Corporation (“FDIC”) covered loans and small business loans which are not individually rated totaling ¥40,534 million and ¥1,144 million at March 31, 2017 and September 30, 2017, respectively. The MUFG Group will be reimbursed for a substantial portion of any future losses on FDIC covered loans under the terms of the FDIC loss share agreements. For a discussion and explanation of the MUFG Group’s credit quality indicator, see Note 4 to the consolidated financial statements for the fiscal year ended March 31, 2017. For the Commercial, Residential and Card segments, credit quality indicators at March 31, 2017 and September 30, 2017 are based on information as of March 31, 2017 and September 30, 2017, respectively. For the MUAH and Krungsri segments, credit quality indicators at March 31, 2017 and September 30, 2017 are generally based on information as of December 31, 2016 and June 30, 2017, respectively. Past Due Analysis Ages of past due loans by class at March 31, 2017 and September 30, 2017 are shown below: At March 31, 2017: 1-3 months Greater Total Current Total (1)(2) Recorded (in millions) Commercial Domestic ¥ 12,410 ¥ 19,468 ¥ 31,878 ¥ 51,999,461 ¥ 52,031,339 ¥ 5,817 Manufacturing 1,427 1,671 3,098 11,765,609 11,768,707 20 Construction 281 235 516 818,168 818,684 — Real estate 2,655 5,058 7,713 11,525,091 11,532,804 1,542 Services 1,294 3,225 4,519 2,531,022 2,535,541 4 Wholesale and retail 1,932 1,883 3,815 7,960,865 7,964,680 149 Banks and other financial institutions 3 21 24 5,222,983 5,223,007 — Communication and information services 583 216 799 1,633,418 1,634,217 — Other industries 337 99 436 8,859,289 8,859,725 — Consumer 3,898 7,060 10,958 1,683,016 1,693,974 4,102 Foreign-excluding MUAH and Krungsri 5,268 50,105 55,373 37,239,855 37,295,228 2,244 Residential 78,227 42,335 120,562 14,202,076 14,322,638 31,382 Card 17,490 31,298 48,788 533,484 582,272 — MUAH 25,162 14,212 39,374 8,998,049 9,037,423 1,165 Krungsri 103,055 73,261 176,316 4,780,709 4,957,025 — Total ¥ 241,612 ¥ 230,679 ¥ 472,291 ¥ 117,753,634 ¥ 118,225,925 ¥ 40,608 At September 30, 2017: 1-3 months Greater Total Current Total (1)(2) Recorded (in millions) Commercial Domestic ¥ 10,742 ¥ 19,953 ¥ 30,695 ¥ 51,114,253 ¥ 51,144,948 ¥ 5,487 Manufacturing 1,370 1,724 3,094 11,458,326 11,461,420 — Construction 639 272 911 746,120 747,031 — Real estate 1,385 3,963 5,348 11,538,851 11,544,199 1,665 Services 1,410 948 2,358 2,469,312 2,471,670 68 Wholesale and retail 1,737 4,687 6,424 8,088,545 8,094,969 78 Banks and other financial institutions — 52 52 4,928,171 4,928,223 31 Communication and information services 740 426 1,166 1,576,755 1,577,921 — Other industries 116 1,674 1,790 8,649,385 8,651,175 — Consumer 3,345 6,207 9,552 1,658,788 1,668,340 3,645 Foreign-excluding MUAH and Krungsri 16,279 21,394 37,673 38,490,217 38,527,890 — Residential 76,176 35,200 111,376 14,030,372 14,141,748 25,813 Card 17,357 31,382 48,739 533,271 582,010 — MUAH 24,640 13,552 38,192 8,745,243 8,783,435 1,792 Krungsri 100,176 77,876 178,052 4,930,290 5,108,342 — Total ¥ 245,370 ¥ 199,357 ¥ 444,727 ¥ 117,843,646 ¥ 118,288,373 ¥ 33,092 Notes: (1 ) Total loans in the above table do not include loans held for sale and loans acquired with deteriorated credit quality and represent balances without adjustments in relation to unearned income, unamortized premiums and deferred loan fees. (2 ) Total loans of MUAH do not include ¥438 million and nil of FDIC covered loans at March 31, 2017 and September 30, 2017, respectively, which are not subject to the guidance on loans and debt securities acquired with deteriorated credit quality. Allowance for Credit Losses Changes in the allowance for credit losses by portfolio segment for the six months ended September 30, 2016 and 2017 are shown below: Six months ended September 30, 2016: Commercial Residential Card MUAH Krungsri Total (in millions) Allowance for credit losses: Balance at beginning of period ¥ 816,559 ¥ 58,598 ¥ 31,187 ¥ 108,454 ¥ 96,332 ¥ 1,111,130 Provision (credit) for credit losses (94,482 ) 480 6,492 1,526 27,303 (58,681 ) Charge-offs 55,096 3,351 8,050 12,077 23,007 101,581 Recoveries 9,758 941 1,208 736 6,630 19,273 Net charge-offs 45,338 2,410 6,842 11,341 16,377 82,308 Others (1) (17,485 ) 1 — (14,737 ) (12,442 ) (44,663 ) Balance at end of period ¥ 659,254 ¥ 56,669 ¥ 30,837 ¥ 83,902 ¥ 94,816 ¥ 925,478 Six months ended September 30, 2017: Commercial Residential Card MUAH Krungsri Total (in millions) Allowance for credit losses: Balance at beginning of period ¥ 900,686 ¥ 67,336 ¥ 30,165 ¥ 73,733 ¥ 110,268 ¥ 1,182,188 Provision (credit) for credit losses (207,025 ) (16,024 ) 10,669 (5,882 ) 31,694 (186,568 ) Charge-offs 55,204 2,238 11,047 9,241 26,274 104,004 Recoveries 12,376 666 695 1,547 8,372 23,656 Net charge-offs 42,828 1,572 10,352 7,694 17,902 80,348 Others (1) 1,709 — — (2,679 ) 1,879 909 Balance at end of period ¥ 652,542 49,740 ¥ 30,482 ¥ 57,478 ¥ 125,939 ¥ 916,181 Note: (1 ) Others are principally comprised of gains or losses from foreign exchange translation. Allowance for credit losses and recorded investment in loans by portfolio segment at March 31, 2017 and September 30, 2017 are shown below: At March 31, 2017: Commercial Residential Card MUAH Krungsri Total (in millions) Allowance for credit losses: Individually evaluated for impairment ¥ 772,804 ¥ 46,520 ¥ 20,523 ¥ 19,174 ¥ 19,035 ¥ 878,056 Collectively evaluated for impairment 115,489 19,255 9,632 54,096 91,137 289,609 Loans acquired with deteriorated credit quality 12,393 1,561 10 463 96 14,523 Total ¥ 900,686 ¥ 67,336 ¥ 30,165 ¥ 73,733 ¥ 110,268 ¥ 1,182,188 Loans: Individually evaluated for impairment ¥ 1,349,621 ¥ 125,611 ¥ 71,879 ¥ 93,452 ¥ 65,028 ¥ 1,705,591 Collectively evaluated for impairment 87,976,946 14,197,027 510,393 8,944,409 4,891,997 116,520,772 Loans acquired with deteriorated credit quality 34,140 9,810 10,881 27,128 9,217 91,176 Total (1) ¥ 89,360,707 ¥ 14,332,448 ¥ 593,153 ¥ 9,064,989 ¥ 4,966,242 ¥ 118,317,539 At September 30, 2017: Commercial Residential Card MUAH Krungsri Total (in millions) Allowance for credit losses: Individually evaluated for impairment ¥ 552,727 ¥ 26,412 ¥ 20,457 ¥ 9,957 ¥ 28,345 ¥ 637,898 Collectively evaluated for impairment 86,373 21,702 10,010 47,063 97,524 262,672 Loans acquired with deteriorated credit quality 13,442 1,626 15 458 70 15,611 Total ¥ 652,542 ¥ 49,740 ¥ 30,482 ¥ 57,478 ¥ 125,939 ¥ 916,181 Loans: Individually evaluated for impairment ¥ 1,158,691 ¥ 118,536 ¥ 69,415 ¥ 80,100 ¥ 77,829 ¥ 1,504,571 Collectively evaluated for impairment 88,514,147 14,023,212 512,595 8,703,335 5,030,513 116,783,802 Loans acquired with deteriorated credit quality 31,527 9,597 10,628 18,933 7,609 78,294 Total (1) ¥ 89,704,365 ¥ 14,151,345 ¥ 592,638 ¥ 8,802,368 ¥ 5,115,951 ¥ 118,366,667 Note: (1 ) Total loans in the above table do not include loans held for sale, and represent balances without adjustments in relation to unearned income, unamortized premiums and deferred loan fees. |