Japanese Banks — Bad Loans, Earnings and Statements

Bad-Loan Ratio by Bank Group

Claims disclosed under the Financial Reconstruction Act as a share of total credit, by type of lender, every half-year since March 1999. The ratio is the FSA's own figure for each group; the groups are not comparable in size — the city banks lend several times what the credit co-operatives do.

Earnings by Bank Group

The FSA's fiscal-year results summary for the major banks and the regional banks. The major-bank income statement is consolidated and the regional-bank one is not, and the two net business profit lines are different measures — read the legend.

Bank Statement Detail

The principal lines of one bank's balance sheet and income statement from the Japanese Bankers Association's compilation, on the newest fiscal year and the one before it; the series run from March 2002. Every member bank is here, listed or not, under its 金融機関コード. Amounts are millions of yen as published; the change is calculated from them.

Deposits and Loans

Loan and Deposit Rates by Lender

The average rate on loans made in the month, by type of lender, and the average rate posted on ordinary deposits — the two ends of a bank's margin, as the Bank of Japan publishes them.

Bond Book by Remaining Term

The bank selected above: its securities and loans by remaining term, its deposits by term, and the unrealised gain or loss on its securities by type — from the notes to its annual securities report. Principal amounts by term, as the note states; book value and cost for the gains.

Unrealised Gains and Losses on Securities

Rate Risk Disclosed Under Basel III

Rate Risk by Bank

Every regional bank's own Basel III figure: the fall in the economic value of its banking book under the worst of six prescribed rate shocks (ΔEVE), against its Tier 1 capital, as each bank printed it in its Pillar 3 disclosure. The supervisor's yardstick is 15% of Tier 1.