Regional Banks in Japan 2008
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1 Regional Banks in Japan 2008 The Aomori Bank THE MICHINOKU BANK The Hokkaido Bank THE AKITA BANK The Hokuto Bank The Bank of Iwate THE TOHOKU BANK THE SHONAI BANK The Yamagata Bank The 77 Bank THE BANK OF FUKUOKA The Chikuho Bank THE NISHI-NIPPON CITY BANK THE BANK OF SAGA The Eighteenth Bank THE SHINWA BANK The Higo Bank The Miyazaki Bank THE KAGOSHIMA BANK THE TOTTORI BANK The Fukui Bank The San-in Godo Bank The Bank of Kyoto The Tajima Bank The Chugoku Bank The Hiroshima Bank The Yamaguchi Bank The Kinki Osaka Bank The Senshu Bank The Bank of Ikeda THE OITA BANK The Iyo Bank The Hyakujushi Bank The Awa Bank The Shikoku Bank The Hokkoku Bank THE SHIGA BANK The Ogaki Kyoritsu Bank The Juroku Bank The Mie Bank The Hyakugo Bank The Nanto Bank The Kiyo Bank The Daishi Bank The Hokuetsu Bank The Hokuriku Bank THE TOYAMA BANK The Ashikaga Bank The Gunma Bank The Hachijuni Bank The Joyo Bank The Kanto Tsukuba Bank The Musashino Bank The Tokyo Tomin Bank THE SHIZUOKA BANK Suruga Bank THE SHIMIZU BANK The Toho Bank The Chiba Bank The Chiba Kogyo Bank The Bank of Yokohama The Yamanashi Chuo Bank Bank of The Ryukyus The Bank of Okinawa
2 Regional Banks in Japan Japan s Financial System There are three types of financial institutions in Japan: the central bank (Bank of Japan), private financial institutions, and public financial institutions. Private financial institutions can be divided into two main types, namely, institutions that accept deposits and others. In addition, institutions that accept deposits can be further broken down into banks, cooperative financial institutions, and the federations of cooperative financial institutions. Regional banks are banks licensed under the Banking Law, as are city banks and member banks of the Second Association of Regional Banks (most of which were mutual banks and have been registered as banks since 1989), and play a main role as commercial banks in Japan. Whereas city banks offer banking services to relatively many large corporate customers, regional banks (and member banks of the Second Association of Regional banks) focus their business mainly on retail banking. (See diagram: Breakdown of Financial Institutions in Japan) Current Situation and Characteristics of Regional Banks Current Situation of Regional Banks As of March 31, 2008, there are 64 regional banks. Headquarters for regional banks are located in major and mid-size cities throughout the country, around which they have built major business bases. The majority of their loan customers, more than 80 percent, are local small and medium-sized companies and consumers. As for deposits, individual deposits account for approximately 70 percent of all the deposits. Characteristics of Regional Banks Main Financial Institution in Their Regions Regional banks have branch networks around their headquarters, and they function as the main financial service providers in the regions. Not only accepting deposits and financing, but also they are providing payment services to their customers through nationwide networks for ATMs and fund transfer. In addition, to meet the customers diversifying financial needs, they are offering securities services _ such as retail sales of government bonds and mutual funds _ and international services. They have also started to provide some insurance products and financial instruments intermediary services in line with recent progress of deregulation conducted by Japanese government. Regional Involvement Regional banks are making every effort to keep credit opportunities available constantly in the regions, and they are involved in numerous local community projects including sending their staffs, as well as joining volunteer activities to contribute to the regional society. These behaviors are based on their management principles Growing in step with the regional communities. In addition, they are contributing to financial stabilization of local public institutions, which include prefectural and municipal governments, by handling fiscal cash management as their designated financial institutions or through providing loans. Sound Management As regional banks business bases are in the specific regions, their keys for success are to win reliance from their customers in the regions. So they have given high priority for sound management for a long time. Recently, they have been trying to make their risk management techniques more highly sophisticated. They have been trying to use alternative channel such as Internet and to update IT infrastructure from the viewpoint of increasing efficiency of the operations.
3 Breakdown of Financial Institutions in Japan CENTRAL BANK Bank of Japan THAT ACCEPT DEPOSITS PRIVATE BANKS COOPERATIVE FEDERATIONS OF COOPERATIVE City banks Regional banks Member banks of the Second Association of Regional Banks (Tier II regional banks) Trust banks Foreign banks in Japan Japan Post (Japan Post Bank) Other banks Shinkin banks Credit cooperatives Labour banks Agricultural cooperatives Fishery cooperatives Shinkin Central Bank (the central financial institution for the Shinkin banks) The Shinkumi Federation Bank (the national federation of credit cooperatives) The Rokinren Bank (the national federation of Labour banks) The Norinchukin Bank (the central bank for the Japanese agricultural, forestry, and fishery cooperatives) Credit federations of agricultural cooperatives Credit federations of fishery cooperatives The Shoko Chukin Bank (the central cooperative bank for commerce and industry) OTHER PRIVATE SECURITIES RELATED COMPANIES INSURANCE OTHERS Securities companies Securities finance companies Investment trust management companies Investment advisory companies Life insurance companies Nonlife insurance companies Japan Post (Japan Post Insurance) Various mutual aid systems Consumer credit companies Business loan companies Leasing companies Mortgage securities companies Money market dealers PUBLIC Development Bank of Japan Japan Bank for International Cooperation National Life Finance Corporation Japan Finance Corporation for Small and Medium Enterprise Agriculture, Forestry and Fisheries Finance Corporation Japan Housing Finance Agency Japan Finance Corporation for Municipal Enterprises The Okinawa Development Finance Corporation Other government affiliated financial bodies
4 Current Status of the Regional Banks Shares of Deposits and Loans of Private Financial Institutions Source : Bank of Japan Notes : (1)The figures above exclude those of Japan Post Bank (it is bellow the same) (2)Deposits include CDs, bank debentures and installment savings. (3)99.37=US$1, the middle rate between offers and bids surveyed from interbank market participants etc as of 5:00 p.m. at the date by Tokyo inter-bank market participants (it is bellow the same) (4)158.21= C1, the bid rate reported by the FRB of New York as of noon at the date (New York time), arbitraged on the Tokyo inter-bank market central rate (it is bellow the same) Proportions of Deposits and Loans by Area Sources : Regional Banks Association of Japan, Bank of Japan Note : Urban areas comprise Saitama, Chiba, Tokyo, Kanagawa, Aichi, Kyoto, Osaka, Hyogo and Fukuoka Prefectures. Regional areas comprise the remaining 38 prefectures. Proportions of Deposits by Sector Proportions of Loans by Sector Sources : Regional Banks Association of Japan, Bank of Japan Sources : Regional Banks Association of Japan, Bank of Japan
5 Shares of Finance Provided for Local Governments Domestic Fund Transfers by Type of Institution Sources : Regional Banks Association of Japan, Bank of Japan Home Mortgage Loans Held by Regional Banks Source : Japanese Bankers Association Note : Public Bonds and Investment Trusts Held in Custody by Regional Banks Source : Regional Banks Association of Japan Note: 99.37=US$1 Source : Regional Banks Association of Japan Notes : (1)The figures above are those of individual customers. (2)99.37=US$1 Capital Adequacy Ratios ROAOHR Source : Regional Banks Association of Japan Notes : (1)A = figure for internationally active regional banks, according to the Basel standards (on a consolidated basis) (2)B = figure for domestically active regional banks, according to domestic standards (on a non-consolidated basis) (3)A bank which had negative capital adequacy ratio is excluded. Source : Regional banks Association of Japan Note : OHR=General and administrative expenses / Gross operating profits from core business ROA=Operating profits from core business / Total assets
6 Regional Banks Directory Notes : (1) Figures are shown as at the end of March (2) Homepage addresses as of the end of June (3) 99.37=US $ 1, = C 1
7
8 The Regional Banks Cooperations Improving Customer Services Activities of the Regional Banks Association of Japan Uchikanda, Chiyoda-ku, Tokyo, Japan Telephone:Tokyo (03)
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