| Adjusted annual rate of net writeoffs | Adjustments7 | Allowance coefficient1 | Recorded debt balance2 | Balance of credit loss allowance | ||||||
| Past year2 | Minimum | Maximum | Average | Decision6 | ||||||
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | ||
| A. Balance sheet credit to the public | ||||||||||
| Impaired | 1 | |||||||||
| Special supervision and substandard | 2 | |||||||||
| Not problematic | 3 | |||||||||
| Total excluding loans for housing4 | 4 | |||||||||
| Loans for housing | 5 | |||||||||
| Total | 6 | |||||||||
| B. Deposits at banks and credit to governments | ||||||||||
| Impaired | 7 | |||||||||
| Special supervision and substandard | 8 | |||||||||
| Not problematic | 9 | |||||||||
| Total | 10 | |||||||||
| C. Off balance sheet credit instruments | ||||||||||
| Impaired | 11 | |||||||||
| Special supervision and substandard | 12 | |||||||||
| Not problematic | 13 | |||||||||
| Total | 14 | |||||||||
| Total balance sheet and off balance sheet | 15 | |||||||||