UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K [ X ] ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [FEE REQUIRED] For the fiscal year ended March 31, 1999 OR [ ] TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 [NO FEE REQUIRED] For the transition period from to Commission file number 333-18095 Honda Auto Receivables 1997-A Grantor Trust (Exact name of registrant as specified in its charter) California 33-0526079 (State of incorporation) (IRS Employer Identification No.) 700 Van Ness Avenue Torrance, CA 90501 (Address of principal executive offices) (Zip Code) Registrant's telephone number, including area code: (310)781-4100 Securities registered pursuant to Section 12(b) of the Act: Title of each class Name of each exchange on which registered None None Securities registered pursuant to section 12(g) of the Act: None (Title of class) Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to such filing requirements for the past 90 days. YES X NO Indicate by check mark if disclosure of delinquent filers pursuant to Item 405 of Regulation S-K is not contained herein, and will not be contained, to the best of registrant's knowledge, in definitive proxy or 'information statements incorporated by reference in Part III of this Form 10-K or any amendment to this Form 10-K. [ X ] PART I Item 1. Business The following tables set forth the number and aggregate principal amount of delinquent receivables, the delinquency rates, and aggregate net losses of the Honda Auto Receivables 1997-A Grantor Trust as of March 31, 1999 : 1. Delinquent Contracts: ($000's) Contracts Amount a. 30 - 59 Days Delinquent 539 $4,384 b. 60 - 89 Days Delinquent 84 $710 c. 90 Days or More Delinqu 17 $149 2. Delinquent Ratio: ($000's) a. Delinquent Balances $5,243 b. Total Pool Balance $376,443 c. Delinquency Ratio 1.39% 3. Aggregate Net Losses: ($000's) a. Cumulative Net Losses $7,599 b. Original Portfolio $1,080,050 c. Aggregate Loss Ratio 0.70% Item 2.Properties N/A Item 3.Legal Proceedings N/A Item 4.Submission of Matters to a Vote of Security Holders N/A PART II Item 5.Market For Registrant's Common Equity and Related Stockholder Matters All holders of records of the Class A Certificates issued by Honda Auto Receivables 1997-A Grantor Trust (except for American Honda Receivables Corp.) are registered through the nominee of Cede & Co. Item 6.Selected Financial Data N/A Item 7.Management's Discussion and Analysis of Financial Condition and Results of Operations N/A Item 8.Financial Statements and Supplementary Data N/A Item 9.Changes In and Disagreements with Accountants on Accounting and Financial Disclosure N/A PART III Item 10.Directors and Executive Officers of the Registrant N/A Item 11.Executive Compensation N/A Item 12.Security Ownership of Certain Beneficial Owners and Management N/A Item 13.Certain Relationships and Related Transactions N/A PART IV Item14. Exhibits, Financial Statement Schedules, and Reports on Form 8-K. (a) Exhibit No. 99 Description Annual Statement to Certificateholders pursuant to Section 14.09 of the Standard Terms and Conditions dated as of July 1, 1997 among American Honda Receivables Corp., as Seller, American Honda Finance Corporation, as Server, and Bank of Tokyo-Mitsubishi Trust Company of New York, as Trustee. (b) Reports Reports Date Form 10QThe 1st Qtr. of 1998 (Aug.15, 1998) The 2nd Qtr. of 1998 (Nov.15, 1998) The 3rd Qtr. of 1998 (Feb.15, 1998) Form 8K The month of Jan. 1999 (Feb.15, 1999) The month of Feb. 1999 (Mar.15, 1999) The month of Mar. 1999 (Apr.15, 1999) SIGNATURES Pursuant to the requirements of Section 13 or 15(d) of the Securities Exchange Act of 1934, the Registrant has duly caused this report to be signed on its behalf by the undersigned, thereunto duly authorized. Honda Auto Receivables 1997-A Grantor Trust By: American Honda Finance Corporation, as Servicer (Registrant) By: /s/ John Weisickle John Weisickle, Vice President/ Finance