Financial Results of Japan's Banks for Fiscal 2024
September 12, 2025
Financial System and Bank Examination Department
Bank of Japan
Abstract
The three main features of the financial results of Japan's banks for fiscal 2024 are as follows:
First, net income increased for major financial groups, regional banks, and shinkin banks. For all types of banks, pre-provision net revenue (PPNR) excluding trading income and profits/losses from investment trusts due to cancellations, which indicates core profitability, increased and credit costs declined. Net income was also boosted by a rise in realized gains on stockholdings at major banks and regional banks.
Second, PPNR excluding trading income and profits/losses from investment trusts due to cancellations increased for all types of banks. It was boosted by an increase in net interest income, mainly against a background of rising yen interest rates, and an increase in net non-interest income.
Third, the capital adequacy ratios increased for all types of banks, remaining sufficiently above the regulatory requirements.
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Inquiries
Financial Institutions Divisions 1 and 2
Financial System and Bank Examination Department
E-mail : post.fsbe2@boj.or.jp