JPMorgan Chase & Co.
(JPM)<http://www.bloomberg.com/apps/quote?ticker=JPM:US>had more
Japanese holdings than any U.S. lender and Citigroup
Inc. (C) <http://www.bloomberg.com/apps/quote?ticker=C:US> counted Japan’s
government among its biggest debtors before last week’s earthquake struck,
according to KBW Inc.

JPMorgan, the second-largest U.S. bank by assets, has “total cross-border
outstandings” of $53.9 billion and $64 billion in commitments, according to
David Konrad, an analyst for New York-based KBW, an investment bank that
specializes in financial companies. Goldman Sachs Group Inc.
(GS)<http://www.bloomberg.com/apps/quote?ticker=GS:US>had $33.6
billion, Morgan Stanley held $19.1 billion and Bank
of America Corp. (BAC)
<http://www.bloomberg.com/apps/quote?ticker=BAC:US>had $17 billion,
Konrad wrote in a note dated yesterday.

Citigroup Inc. has $39.2 billion in Japanese loans, securities and trading
assets and the government is the New York-based bank’s third-largest credit
position, according to Konrad. Japanese policy makers are struggling to
contain investor fears amid nuclear radiation leaks at power
plants<http://topics.bloomberg.com/power-plants/>triggered by last
week’s earthquake and tsunami.

“We don’t expect a material credit event,” Konrad wrote in the report.
“However, we believe that volatility in the markets may cause volatility in
the trading results.”

Citigroup, the third-largest U.S. bank, is the only U.S. lender with a
“meaningful retail banking presence in Japan,” Konrad said. The company’s
Asian regional consumer banking unit made a $2.17 billion profit in 2010.
Pumping Cash

The Bank of Japan
(8301)<http://www.bloomberg.com/apps/quote?ticker=8301:JP>has pledged
to pump more cash into the financial system after injecting $183
billion yesterday. The Topix index of stocks suffered its worst two-day drop
since the 1987 crash, according to data compiled by Bloomberg.

The KBW Bank Index, which tracks 23 of the biggest U.S. lenders, dropped
1.55 percent as of 10:50 a.m. in New
York<http://topics.bloomberg.com/new-york/>,
with New York-based JPMorgan down 2.3 percent, Charlotte, North
Carolina-based Bank of America slipping 2 percent and Citigroup off 1.8
percent. Morgan Stanley fell 2 percent and Goldman Sachs declined 1.2
percent. Both are based in New York.

KBW’s data on cross-border positions includes loans and derivatives and
doesn’t account for hedges, the analyst wrote. The category includes
holdings such as loans to banks, investment in local franchises and
public-sector loans, according to Citigroup’s annual report to securities
regulators.

Bank of America’s holdings equal 0.75 percent of total assets, according to
Jerry Dubrowski, a spokesman at Bank of America, the biggest U.S. lender.
“So I would describe our exposure as small relative to our total assets,” he
said.
Jennifer Zuccarelli, a spokeswoman for New York-based JPMorgan, and Stephen
Cohen at New York-based Goldman Sachs didn’t immediately comment. Shannon
Bell <http://topics.bloomberg.com/shannon-bell/>, a Citigroup spokeswoman,
and Morgan Stanley (MS) <http://www.bloomberg.com/apps/quote?ticker=MS:US>’s
Mark Lake declined to comment.
http://www.bloomberg.com/news/2011-03-15/jpmorgan-citigroup-among-lenders-with-japanese-risk-kbw-says.html

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