Monetary Aggregates (Market volume, outstanding)
/ Outstanding of Deposits and Loans

Time Deposits

Time Deposits New Receipts and Outstanding

1. Figures are those for banking accounts by the Domestically Licensed Banks that conduct transactions with the Bank of Japan. However, figures exclude the Resolution and Collection Corporation, Kii Deposit Management Bank (dissolved on March 31, 2002), the Bridge Bank of Japan (dissolved on March 8, 2004), the Second Bridge Bank of Japan and the Japan Post Bank. Excludes regulated interest rate time deposits. Beginning October 18, 1993, includes time deposits with floating interest rates.
2. (a) Through September 1993, figures are those for "3 years."
   (b) Through September 1994, figures are those for "4 years."
   (c) Through September 1995, figures are those for "5 years."

(2) Deposits of no Less than 10 Million Yen

1. Amount of the deposits: billion yen (beginning October 1985); 500 million yen (beginning April 1986); 300 million yen (beginning September 1986); 100 million yen (beginning April 1987); 50 million yen (beginning April 1988); 30 million yen (beginning November 1988); 20 million yen (beginning April 1989); 10 million yen (beginning October 1989).
2. Terms of the deposits: 3 months - 2 years (beginning October 1985); 1 month - 2 years (beginning October 1987); 1 month - 3 years (beginning November 1991); 1 month - 4 years (beginning October 1993); 1 month - 5 years (beginning October 1994); the longest term limits were abolished on October 1995.

(3) Deposits of 3 Million Yen - Less than 10 Million Yen

(4) Deposits of Less than 3 Million Yen

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Amounts Outstanding of Deposits by Depositor

Amounts Outstanding of Deposits by Depositor (Average Amounts Outstanding)

1. See the explanatory notes.
2. Beginning December 1986, figures exclude offshore accounts.
3. Domestically Licensed Banks' banking accounts. However, figures exclude the Resolution and Collection Corporation, Kii Deposit Management Bank (dissolved on March 31, 2002), the Bridge Bank of Japan (dissolved on March 8, 2004), the Second Bridge Bank of Japan and the Japan Post Bank.
4. Other Financial Institutions covers the following financial institutions: Norinchukin Bank, Shoko Chukin Bank, Shinkin Central Bank, Shinkumi Federation Bank, National Federation of Labor Credit Associations and Credit Federations of Agricultural Cooperatives.
5. Since the data of March and September are preliminary figures at the time of the first publication, the data may be revised at the next publication.
6. If an error is discovered in the reported data or in the compiling process, the data are revised immediately. In principle, the data are revised retroactively, at most for the past 3 years, and are announced on the closest release date from when the data correction is finished. However, in cases when the revision is below 0.1% of the total amounts outstanding of deposits, the data are revised at the time of the next revision.
7. From January 2004, we stopped classifying City Banks, Regional Banks and Regional Banks II as the breakdowns by type of Domestically Licensed Banks.

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Amounts Outstanding of Deposits by Depositor (Amounts Outstanding at End of Period)

1. See the explanatory notes.
2. Beginning December 1986, figures exclude offshore accounts.
3. Domestically Licensed Banks' banking accounts. However, figures exclude the Resolution and Collection Corporation, Kii Deposit Management Bank (dissolved on March 31, 2002), the Bridge Bank of Japan (dissolved on March 8, 2004), the Second Bridge Bank of Japan and the Japan Post Bank.
4. Other Financial Institutions covers the following financial institutions: Norinchukin Bank, Shoko Chukin Bank, Shinkin Central Bank, Shinkumi Federation Bank, National Federation of Labor Credit Associations and Credit Federations of Agricultural Cooperatives.
5. Since the data of March and September are preliminary figures at the time of the first publication, the data may be revised at the next publication.
6. If an error is discovered in the reported data or in the compiling process, the data are revised immediately. In principle, the data are revised retroactively, at most for the past 3 years, and are announced on the closest release date from when the data correction is finished. However, in cases when the revision is below 0.1% of amounts outstanding of the total of deposits, the data are revised at the time of the next revision.

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Amounts Outstanding of Deposits by Depositor (Outstanding at End of Period) (FH data)

1. See the explanatory notes.
2. Beginning December 1986, figures exclude offshore accounts.
3. Domestically Licensed Banks' banking accounts. However, figures exclude the Resolution and Collection Corporation, Kii Deposit Management Bank (dissolved on March 31,2002), the Bridge Bank of Japan (dissolved on March 8, 2004) the Second Bridge Bank of Japan, and the Japan Post Bank.
4. The data of March and September from 1978 to 1984 include installments of sogo banks in "total of deposits" and "time and savings deposits" of Domestically Licensed Banks and Regional Banks II (The data for June and December do not include installments). The data from March 1985 to March 1989 include installments in "total of deposits" and "time and savings deposits" of Domestically Licensed Banks and Regional Banks II. Installments have been reported as part of "time and savings deposits" since June 1989 after sogo banks were converted to Regional Banks II.
5. Due to the revision of the Industrial Classification, detailed components of "Medical, Health Care and Welfare, Education, Learning Support, and Other Organizations" and "Social Insurance and Social Welfare, Education, Learning Support, and Other Organizations" have been changed since March 2003. Those of "Non-deposit Money Corporations, including Lending and Credit Card Business" have also been changed since September 2009.
6. Since the data are preliminary figures at the time of the first publication, they may be revised at the next publication.
7. If an error is discovered in the reported data or in the compiling process, the data are revised immediately. In principle, the data are revised retroactively, at most for the past 3 years, and are announced on the closest release date from when the data correction is finished. However, in cases where the scale of revision is below 0.1% of the total amounts outstanding of deposits, the data are revised at the time of the next revision.
8. From March 2004, we stopped classifying City Banks, Regional Banks and Regional Banks II as the breakdowns by type of Domestically Licensed Banks.
9. From December 2000, we stopped classifying Trust Banks and Long-term Credit Banks.

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Deposits of Japanese Residents at Overseas Branches of Private Financial Institutions

(Reference) Deposits of Japanese Residents at Overseas Branches of Private Financial Institutions (through the fourth Quarter of 2003)

1. Survey covers the following financial institutions: Domestically Licensed Banks, Norinchukin Bank, Shoko Chukin Bank and Shinkin Central Bank.
2. The deposits (Average Amounts Outstanding) are monthly average outstanding.

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Deposits, Vault Cash, and Loans and Discounts Outstanding

Deposits, Vault Cash, and Loans and Discounts Outstanding

1. Beginning December 1986, figures exclude offshore accounts.
2. Domestically Licensed Banks' banking accounts. However, figures exclude the Resolution and Collection Corporation, Kii Deposit Management Bank (dissolved on March 31, 2002), the Bridge Bank of Japan (dissolved on March 8, 2004), the Second Bridge Bank of Japan and the Japan Post Bank.
3. The figures of the metropolitan and prefectural government and cities, towns, and villages exclude local government-owned corporations.
4. Overseas Branches of Domestically Licensed Banks includes loans and discounts for Japanese residents.
5. Small Enterprises are defined as follows.
   Through March 2000:
   Small Enterprises: Corporations and private unincorporated enterprises with capital of 100 million yen or less or with regular employees of 300 persons or less (Wholesale Trade capitalized at 30 million yen or less or with regular employees of 100 persons or less, and Retail Trade, Eating & Drinking Services, and Services (old basis) capitalized at 10 million yen or less or with regular employees of 50 persons or less).
   From April 2000 to February 2003
   Small Enterprises: Corporations and private unincorporated enterprises with capital of 300 million yen or less or with regular employees of 300 persons or less (Wholesale Trade capitalized at 100 million yen or less or with regular employees of 100 persons or less, and Retail Trade and Eating & Drinking Services capitalized at 50 million yen or less or with regular employees of 50 persons or less and Services (Old basis) capitalized at 50 million yen or less or with regular employees of 100 persons or less).
   From March 2003 to May 2009:
   The size classification standard of Services (Old basis) is applied to "Services" (excluding Eating and Drinking Services).
   From June 2009:
   The size classification standard of "Services (Old basis) " is applied to industries that were previously categorized as "Services" (excluding Eating and Drinking Services). Those industries include Goods Rental and Leasing, Scientific Research, Professional and Technical Services, Hotels, Living-related and Personal Services and Amusement Services, Education, Learning Support, Medical, Health Care and Welfare, and Other Service. Eating and Drinking Services are excluded.
6. Among loans to individuals, those which can be identified as being for business purpose are excluded from the "individuals" column. In principle, loans that are unable to be classified as being for business or non-business purpose are recorded in the "individuals" column. Note that some banks reclassified loans by purpose for business or non-business in March 2004, September 2006 and June 2009.
7. "Loans and Discounts (Amounts Outstanding at End of Period) and (Average Amounts Outstanding)" excludes loans to central government.
8. Loans to the central government show the total of the general account and the special accounts.
9. Since the data of March and September are preliminary figures at the time of the first publication, they may be revised at the next publication.
10. If an error is discovered in the reported data or in the compiling process, the data are revised immediately. In principle, the data are revised retroactively, at most for the past 3 years, and are announced on the closest release date from when the data correction is finished. However, in cases where the scale of revision is below 0.1% of the total amounts outstanding of deposits or loans, the data are revised at the time of the next revision.

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Deposits, Loans and Discounts Outstanding of Domestically Licensed Banks by Prefecture

Deposits, Loans and Discounts Outstanding of Domestically Licensed Banks by Prefecture

1. Domestically Licensed Banks' banking accounts. However, figures exclude the Resolution and Collection Corporation, Kii Deposit Management Bank (dissolved on March 31, 2002), the Bridge Bank of Japan (dissolved on March 8, 2004), the Second Bridge Bank of Japan and the Japan Post Bank.
2. Beginning December 1986, figures exclude offshore accounts.
3. "0" includes magnitude nil or no figures.
4. "Other Deposits" includes yen deposits by non-residents and foreign currency deposits.
5. Since the data of March and September are preliminary figures at the time of the first publication, the data may be revised at the next publication.
6. If an error is discovered in the reported data or in the compiling process, the data are revised immediately. In principle, the data are revised retroactively, at most for the past 3 years, and are announced on the closest release date from when the data correction is finished. However, in cases when the revision is below 0.1% of the total amounts outstanding of deposits or Loans, the data are revised at the time of the next revision.

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(Reference) Deposits, Loans and Discounts by Area and Type

1. Banking accounts.
2. Beginning December 1986, figures exclude offshore accounts.
3. See the file <Deposits, Loans and Discounts Outstanding of Domestically Licensed Banks by Prefecture> for information regarding the total outstanding of Domestically Licensed Banks.
4. "0" includes magnitude nil or no figures.
5. "Other Deposits" includes yen deposits by non-residents and foreign currency deposits.

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Principal Figures of Financial Institutions (Preliminary figures)

Principal Figures of Financial Institutions (Preliminary figures)

1. The most recent figures are preliminary. The others are final.
2. Excludes offshore accounts.
3. (a) Figures for Total of Banks (Figures for Other Surveyed Domestically Licensed Banks are not included in banks above mentioned.) and Shinkin Banks include yen-denominated loans in accounts held in Japan, foreign currency-denominated impact loans in accounts held in Japan and overseas, and euro-yen impact loans in accounts held overseas. Loans to non-residents are excluded. Figures exclude loans to financial institutions and the central government (except in the figures for Foreign Banks).
   (b) Total of City Banks, 4 Trust Banks (Mitsubishi UFJ Trust and Banking, Mizuho Trust & Banking, Chuo Mitsui Trust and Banking, Sumitomo Trust and Banking), Shinsei Bank and Aozora Bank. This item is equivalent to "City Banks" in the released material.
   (c) Compiled via Shinkin Central Bank.
   (d) Total of the Japan Post Bank, Citibank Japan, Sony bank, ORIX Trust and Banking Corporation, JSF Trust and Banking Co, and ShinGinko Tokyo.
   (e) Amounts outstanding of CP underwritten by banks represents month-end figures for the amount of CP (including ABCP) underwritten by City Banks, Regional Banks, Regional Banks II, 4 Trust Banks (Mitsubishi UFJ Trust and Banking, Mizuho Trust & Banking, Chuo Mitsui Trust and Banking, Sumitomo Trust and Banking), Shinsei Bank, Aozora Bank, Norinchukin Bank, Shoko Chukin Bank, Shinkin Central Bank, financial instruments firms holding current accounts at the Bank of Japan, and Foreign Banks' branches holding current accounts at the Bank of Japan. Figures include ABCP issued by foreign corporations (so-called Samurai ABCP), but exclude other CP issued by foreign corporations. For figures through April 2002 a few banks are excluded due to unavailable data.
   (f) Amounts outstanding of CP underwritten by banks represents month-end figures for the amount of CP (including ABCP) underwritten by City Banks, Regional Banks, Regional Banks II, Long-term Credit Banks, 5 Trust Banks (Mitsubishi Trust and Banking, Mizuho Trust & Banking, UFJ Trust Bank, Chuo Mitsui Trust and Banking, Sumitomo Trust and Banking), Norinchukin Bank, Shoko Chukin Bank, Shinkin Central Bank, securities companies holding current accounts at the Bank of Japan, and Foreign Banks' branches holding current accounts at the Bank of Japan. Figures exclude CP issued by non-residents.
   (g) City Banks, Long-term Credit Banks and 5 Trust Banks (Mitsubishi Trust and Banking, Mizuho Trust & Banking, UFJ Trust Bank, Chuo Mitsui Trust and Banking, Sumitomo Trust and Banking).
   (h) Amounts outstanding of CP issued by banks represents month-end figures for the amount of CP issued by City Banks, Regional Banks, Regional Banks II, 4 Trust Banks (Mitsubishi UFJ Trust and Banking, Mizuho Trust & Banking, Chuo Mitsui Trust and Banking, Sumitomo Trust and Banking), Shinsei Bank, Aozora Bank, Norinchukin Bank, Shoko Chukin Bank, Shinkin Central Bank, and Foreign Banks' branches holding current accounts at the Bank of Japan.
   (i) Special Items are:

   --	Securitization of loans: changes in amounts outstanding of securitized loans from the previous year.
   --	Adjustment for exchange rate changes: changes in amounts outstanding of foreign-currency denominated impact loans converted into yen-denominated amounts, due to year-on-year U.S. dollar / yen rate changes.
   --	Loan write-offs and related items: total amounts of loan write-offs in the past year, including those through special reserves, losses on loan asset sales to the Cooperative Credit Purchase Corporation (dissolved on March 26, 2004), other losses on loan asset sales, renunciation of loan claims, and etc.

   (j) Figures exclude unsettled checks and bills.
   (k) Total of 4 Trust Banks (Mitsubishi UFJ, Mizuho, Chuo Mitsui, Sumitomo), Shinsei Bank, Aozora Bank, the Japan Post Bank, Citibank Japan, the Japan Net Bank, Sony Bank, ORIX Trust and Banking Corporation and ShinGinko Tokyo. "Other surveyed domestically licensed banks" have different coverage in banks between "loans and discounts" and "deposits and CDs".

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Loans and Discounts Outstanding by Sector

Loans and Discounts Outstanding by Sector

1. See the explanatory notes.
2. Beginning December 1986, figures exclude offshore account.
3. Domestically Licensed Banks exclude the Resolution and Collection Corporation, Kii Deposit Management Bank (dissolved on March 31, 2002), the Bridge Bank of Japan (dissolved on March 8, 2004), the Second Bridge Bank of Japan and the Japan Post Bank.
4. Overseas Branches of Domestically Licensed Banks includes loans and discounts for Japanese residents.
5. Small Enterprises are defined as follows.
   Through March 2000:
   Small Enterprises: Corporations and private unincorporated enterprises with capital of 100 million yen or less or with regular employees of 300 persons or less (Wholesale Trade capitalized at 30 million yen or less or with regular employees of 100 persons or less, and Retail Trade, Eating & Drinking Services, and Services (Old basis) capitalized at 10 million yen or less or with regular employees of 50 persons or less).
   From April 2000 to February 2003
   Small Enterprises: Corporations and private unincorporated enterprises with capital of 300 million yen or less or with regular employees of 300 persons or less (Wholesale Trade capitalized at 100 million yen or less or with regular employees of 100 persons or less, and Retail Trade and Eating & Drinking Services capitalized at 50 million yen or less or with regular employees of 50 persons or less and Services (Old basis) capitalized at 50 million yen or less or with regular employees of 100 persons or less).
   From March 2003 to May 2009:
   The size classification standard of "Services (Old basis) " is applied to "Services" (excluding Eating and Drinking Services).
   From June 2009:
   The size classification standard of "Services (Old basis) " is applied to industries that were previously categorized as "Services" (excluding Eating and Drinking Services). Those industries include Goods Rental and Leasing, Scientific Research, Professional and Technical Services, Hotels, Living-related and Personal Services and Amusement Services, Education, Learning Support, Medical, Health Care and Welfare, and Other Service. Eating and Drinking Services are excluded.
6. "Loans and Discounts (Outstanding at End of Period) and (Average Outstanding)" excludes loans to central government.
7. "Corporations (include Finance and Insurance)" indicates figures that exclude Local Government, Individuals and "Overseas Yen Loans, Domestic Loans Transferred Overseas from the Loans and Discounts. It includes private unincorporated enterprises.
8. The figures of the metropolitan and prefectural government and cities, towns, and villages exclude local government-owned corporations.
9. Among loans to individuals, those which can be identified as being for business purpose are excluded from the "individuals" column. In principle, loans that are unable to be classified as being for business or non-business purpose are recorded in the "individuals" column. Note that some banks reclassified loans by purpose for business or non-business in March 2004, September 2006 and June 2009.
10. Loans to the central government show the total of loans to the general account and to the special accounts.
11. Other Financial Institutions covers the following financial institutions: Norinchukin Bank, Shoko Chukin Bank, Shinkin Central Bank, Shinkumi Federation Bank, National Federation of Labor Credit Associations and Credit Federations of Agricultural Cooperatives.
12. Since the data of March and September are preliminary figures at the time of the first publication, they may be revised at the next publication.
13. If an error is discovered in the reported data or in the compiling process, the data are revised immediately. In principle, the data are revised retroactively, at most for the past 3 years, and are announced on the closest release date from when the data correction is finished. However, in cases where the scale of revision is below 0.1% of the total amounts outstanding of Loans, the data are revised at the time of the next revision.

Loans and Discounts Outstanding by Sector (By Type of Major Industries)

1. See the explanatory notes.
2. From the first quarter 2003 and the second quarter 2009, figures are based on revised Industrial Classification. Note that some figures may be discontinued at the first quarter 2003 and at the second quarter 2009. This is attributable to the changes in the detail components of industries in accordance with the revision of industrial classification.
3. Beginning December 1986, excludes loans and discounts of offshore accounts. Excludes loans to central government. Shinkin Banks excludes the accounts of loans to other financial institutions.
4. From the second quarter of 1993 (as for Shinkin Banks, from the second quarter of 1994) include overdrafts. Cash advances extended through the Bank Cards and Wide Cards are included under "individuals."
5. Local public corporations are categorized based on their primary business, in accordance with the Japan Standard Industrial Classification.
6. Those loans to individuals that can be identified as for business purpose are categorized under the appropriate industry. In principle, loans that are unable to be classified as being for business or non-business purpose are recorded in the "individuals" column, as are housing and consumer loans with installment repayments. Note that some banks reclassified loans by purpose for business or non-business in the first quarter 2004, the third quarter 2006 and the second quarter 2009. As a result, loans that were identified as being for business purpose were reclassified into each appropriate industry such as Real Estate.
7. Domestically Licensed Banks figures through the third quarter of 1993 are totals for Domestically Licensed Banks' (excluding Trust Subsidiaries and Foreign Trust Banks, including Sogo Banks) bank accounts and trust accounts. Figures from the fourth quarter of 1993 through the first quarter of 1999 are totals for Domestically Licensed Banks' (excluding Foreign Trust Banks) bank accounts and trust accounts. Figures from the second quarter of 1999 are totals for Domestically Licensed Banks' bank accounts, trust accounts and overseas branch accounts (loans to Japanese residents). However, figures exclude the Resolution and Collection Corporation, Kii Deposit Management Bank (dissolved on March 31, 2002), the Bridge Bank of Japan (dissolved on March 8, 2004), the Second Bridge Bank of Japan and the Japan Post Bank.
8. Small Enterprises are defined as follows.
   Through the first quarter of 2000:
   Small Enterprises: Corporations and private unincorporated enterprises with capital of 100 million yen or less or with regular employees of 300 persons or less (Wholesale Trade capitalized at 30 million yen or less or with regular employees of 100 persons or less, and Retail Trade, Eating & Drinking Services and Services (Old basis) capitalized at 10 million yen or less or with regular employees of 50 persons or less).
   From the second quarter 2000 to the fourth quarter 2002:
   Small Enterprises: Corporations and private unincorporated enterprises with capital of 300 million yen or less or with regular employees of 300 persons or less (Wholesale Trade capitalized at 100 million yen or less or with regular employees of 100 persons or less, and Retail Trade and Eating & Drinking Services capitalized at 50 million yen or less or with regular employees of 50 persons or less and Services (Old basis) capitalized at 50 million yen or less or with regular employees of 100 persons or less).
   From the first quarter 2003 to the first quarter 2009:
   The size classification standard of "Services (Old basis)" is applied to "Services" (excluding Eating and Drinking Services).
   From the second quarter 2009:
   The size classification standard of "Services (Old basis)" is applied to industries that were previously categorized as "Services" (excluding Eating and Drinking Services). Those industries include Goods Rental and Leasing, Scientific Research, Professional and Technical Services, Hotels, Living-related and Personal Services and Amusement Services, Education, Learning Support, Medical, Health Care and Welfare, and Other Service. Eating and Drinking Services are excluded.
9. Since the data of the first quarter and the third quarter are preliminary figures at the time of the first publication, they may be revised at the next publication.
10. If an error is discovered in the reported data or in the compiling process, the data are revised immediately. In principle, the data are revised retroactively, at most for the past 3 years, and are announced on the closest release date from when the data correction is finished. However, in cases where the scale of revision is below 0.1% of the total amounts outstanding of Loans, the data are revised at the time of the next revision.

Loans and Discounts Outstanding by Sector (By Scale of Enterprises)

1. See the explanatory notes.
2. Beginning December 1986, figures exclude offshore accounts.
3. Figures through the third quarter of 1993 are totals for Domestically Licensed Banks' (excluding Trust Subsidiaries and Foreign Trust Banks, including Sogo Banks) bank accounts and trust accounts. Figures from the fourth quarter of 1993 through the first quarter of 1999 are totals for Domestically Licensed Banks' (excluding Foreign Trust Banks) bank accounts and trust accounts. Figures from the second quarter of 1999 are totals for Domestically Licensed Banks' bank accounts, trust accounts and overseas branch accounts (loans to Japanese residents). However, figures exclude the Resolution and Collection Corporation, Kii Deposit Management Bank (dissolved on March 31, 2002), the Bridge Bank of Japan (dissolved on March 8, 2004), the Second Bridge Bank of Japan and the Japan Post Bank.
4. Size classification is as follows.
   Through the first quarter of 2000:
   Small Enterprises: Corporations and private unincorporated enterprises with capital of 100 million yen or less or with regular employees of 300 persons or less (Wholesale Trade capitalized at 30 million yen or less or with regular employees of 100 persons or less, and Retail Trade, Eating & Drinking Services and Services (Old basis) capitalized at 10 million yen or less or with regular employees of 50 persons or less).
   Medium-sized Enterprises: Excludes small and large enterprises.
   Large Enterprises: With capital of 1 billion yen or more and with regular employees of 300 persons or more (Wholesale Trade capitalized at 1 billion yen or more and with regular employees of 100 persons or more, and Retail Trade and Eating & Drinking Services capitalized at 1 billion yen or more and with regular employees of 50 persons or more and Services (Old basis) capitalized at 1 billion yen or more and with regular employees of 50 persons or more).
   From the second quarter of 2000 to the fourth quarter of 2002:
   Small Enterprises: Corporations and private unincorporated enterprises with capital of 300 million yen or less or with regular employees of 300 persons or less (Wholesale Trade capitalized at 100 million yen or less or with regular employees of 100 persons or less, and Retail Trade and Eating & Drinking Services capitalized at 50 million yen or less or with regular employees of 50 persons or less and Services (Old basis) capitalized at 50 million yen or less or with regular employees of 100 persons or less).
   Medium-sized Enterprises: Excludes small and large enterprises.
   Large Enterprises: With capital of 1 billion yen or more and with regular employees of 300 persons or more (Wholesale Trade capitalized at 1 billion yen or more and with regular employees of 100 persons or more, and Retail Trade and Eating & Drinking Services capitalized at 1 billion yen or more and with regular employees of 50 persons or more and Services (Old basis) capitalized at 1 billion yen or more and with regular employees of 100 persons or more).
   From the first quarter 2003 to the first quarter 2009:
   The size classification standard of "Services (Old basis)" is applied to "Services" (excluding Eating and Drinking Services).
   From the second quarter 2009:
   The size classification standard of "Services (Old basis)" is applied to industries that were previously categorized as "Services" (excluding Eating and Drinking Services). Those industries include Goods Rental and Leasing, Scientific Research, Professional and Technical Services, Hotels, Living-related and Personal Services and Amusement Services, Education, Learning Support, Medical, Health Care and Welfare, and Other Service. Eating and Drinking Services are excluded.
5. From the first quarter 2003 and the second quarter of 2009, detailed components of "manufacturing" and "nonmanufacturing" have been also changed due to the revision of the Industrial Classification.
6. "Corporations (includes Finance and Insurance)" indicates figures obtained by excluding Individuals, Local Governments, and "Overseas Yen Loans, Domestic Loans Transferred Overseas" from "total" in "Loans and Discounts Outstanding by Sector (by Type of Major Industries)." It includes private unincorporated enterprises.
7. Since the data of the first quarter and the third quarter are preliminary figures at the time of the first publication, they may be revised at the next publication.
8. If an error is discovered in the reported data or in the compiling process, the data are revised immediately. In principle, the data are revised retroactively, at most for the past 3 years, and are announced on the closest release date from when the data correction is finished. However, in cases where the scale of revision is below 0.1% of the total amounts outstanding of Loans, the data are revised at the time of the next revision.

New Loans for Equipment Funds by Sector (by Type of Major Industries)

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Others

Loans and Discounts Outstanding by Interest Rate

1. Figures are those for banking accounts by the Domestically Licensed Banks that conduct transactions with the Bank of Japan. However, figures exclude the Resolution and Collection Corporation, Kii Deposit Management Bank (dissolved on March 31, 2002), the Bridge Bank of Japan (dissolved on March 8, 2004), the Second Bridge Bank of Japan and the Japan Post Bank.
2. (a) Includes passive loan.
   (b) From February 1994, includes passive loan.
   (c) Through January 1994, figures are those for "less than 3.25 percent." (excludes passive loan).

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Commitment Lines Extended by Japanese Banks

1. Data are compiled from City Banks, Regional Banks, Regional Banks II, Trust Banks (Mitsubishi UFJ Trust and Banking, Mizuho Trust & Banking, Chuo Mitsui Trust and Banking, Sumitomo Trust and Banking), Shinsei Bank and Aozora Bank.
2. Data are commitment lines extended to residents in Japan by branches / offices in Japan and overseas, and yen-denominated commitment lines extended to non-residents by branches / offices in Japan.

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Loans to Individuals

(1) Housing Funds, Domestically Licensed Banks and Shinkin Banks

1. This table represents loans to individuals for the purchase of housing (excluding purchases for business purposes). It includes loans that are difficult to classify as being for business or non-business purpose. Some banks, however, reclassified loans by purpose for business or non-business in the first quarter 2004, the third quarter 2006 and the second quarter 2009. As a result, those loans for business purpose are excluded from this table. 
2. The loans with installment repayments. Installment repayments are the repayments that continue for at least two months and require at least three installments.
3. "Housing Funds" includes not only funds for construction, rebuilding and purchase of houses of individuals, but also funds for purchase of residential land for residential use.
4. (a) Figures through the third quarter of 1993 are totals for Domestically Licensed Banks' (excluding Trust Subsidiaries and Foreign Trust Banks, including Sogo Banks) bank accounts and trust accounts. Figures from the fourth quarter of 1993 through the first quarter of 1999 are totals for Domestically Licensed Banks' (excluding Foreign Trust Banks) bank accounts and trust accounts. Figures from the second quarter of 1999 are totals for Domestically Licensed Banks' bank accounts, trust accounts and overseas branch accounts (loans to Japanese residents). However, exclude the Resolution and Collection Corporation, Kii Deposit Management Bank (dissolved on March 31, 2002), the Bridge Bank of Japan (dissolved on March 8, 2004), the Second Bridge Bank of Japan and the Japan Post Bank.
5. Through the first quarter of 1999, figures for refinance by the assigned housing mortgage certificate are included in "New Loans", and those for repayment transfer of the certificate are subtracted from "Outstanding".
6. Since the data of the first quarter and the third quarter are preliminary figures at the time of the first publication, the data may be revised at the next publication.
7. If an error is discovered in the reported data or in the compiling process, the data are revised immediately. In principle, the data are revised retroactively, at most for the past 3 years, and are announced on the closest release date from when the data correction is finished. However, in cases where the scale of the revision is below 0.1% of the total amounts outstanding of Loans, the data are revised at the time of the next revision.
8. From the fourth quarter of 2000, we stopped classifying Trust Banks and Long-term Credit Banks as the breakdowns by type of Domestically Licensed Banks.
9. From the fourth quarter of 2003, we stopped classifying City Banks, Regional Banks and Regional Banks II as the breakdowns by type of Domestically Licensed Banks.

(3) Funds for Purchase of Consumer Goods and Service, Domestically Licensed Banks and Shinkin Banks

1. This table represents loans to individuals for purchase for consumer goods and services (excluding purchases for business purposes).
2. The totals of the loans with installment repayments and "Card Loans". Installment repayments are the repayments that continue for at least two months and require at least three installments. "Card Loans" comprises credit card loans in the form of overdraft accounts, consumer loans based on a small-scale financing system for workers, and cash advances.
3. "Funds for Purchase of Consumer Goods and Services" includes funds for non-specified consumer expenses.
4. (a) Figures through the third quarter of 1993 are totals for Domestically Licensed Banks' (excluding Trust Subsidiaries and Foreign Trusts Banks, including Sogo Banks) bank accounts and trust accounts. Figures from the fourth quarter of 1993 through the first quarter of 1999 are totals for Domestically Licensed Banks' (excluding Foreign Trust Banks) bank accounts and trust accounts. Figures from the second quarter of 1999 are totals for Domestically Licensed Banks' bank accounts, trust accounts and overseas branch accounts (loans to Japanese residents). However, exclude the Resolution and Collection Corporation, Kii Deposit Management Bank (dissolved on March 31, 2002), the Bridge Bank of Japan (dissolved on March 8, 2004), the Second Bridge Bank of Japan and the Japan Post Bank.
5. Since the data of the first quarter and the third quarter are preliminary figures at the time of the first publication, the data may be revised at the next publication.
6. If an error is discovered in the reported data or in the compiling process, the data are revised immediately. In principle, the data are revised retroactively, at most for the past 3 years, and are announced on the closest release date from when the data correction is finished. However, in cases where the scale of the revision is below 0.1% of the total amounts outstanding of Loans, the data are revised at the time of the next revision.
7. From the fourth quarter of 2003, we stopped classifying City Banks, Regional Banks and Regional Banks II as the breakdowns by type of Domestically Licensed Banks.

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Loans Collateral Amounts

1. Figures are those for banking accounts by Domestically Licensed Banks that conduct transactions with the Bank of Japan. Figures include accounts of overseas branches. However, figures exclude the Resolution and Collection Corporation, Kii Deposit Management Bank (dissolved on March 31, 2002), the Bridge Bank of Japan (dissolved on March 8, 2004) and the Second Bridge Bank of Japan and the Japan Post Bank. Beginning fiscal 1989, figures include Regional Banks II (through fiscal 1991, include Sogo banks.) Through fiscal 1992, figures exclude Trust Subsidiaries and Foreign Trust Banks.
2. Including loans of overseas branches.
3. (a) Loans secured by deposits, etc.

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Amount Outstanding of Loans and Discounts

1. The figures are totals amount of bank accounts and trust accounts.
2. Overseas branches and offshore accounts are excluded.
3. (a) Figures include housing loans. The loans extended to small business owners for general business purposes are included. The date are reported by City Banks, 4 Trust Banks(Mitsubishi UFJ Trust and Banking, Mizuho Trust & Banking, Chuo Mitsui Trust and Banking, Sumitomo Trust and Banking, same hereafter), Shinsei Bank and Aozora Bank.
   (b) Figures are reported by City Banks, Regional Banks, Regional Banks II, 4 Trust Banks, Shinsei Bank and Aozora Bank.
   (c) The data represent the loans extended to the individuals for construction, rebuilding and purchase of houses.
   (d) Figures include the loans extended to local government and local public corporations.

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Senior Loan Officer Opinion Survey on Bank Lending Practices at Large Japanese Banks

1. The sample of surveyed banks was reviewed in April 2009. The aggregated loan amount of these fifty banks accounts for 75 percent of the average outstanding amount of the domestic loans of Japanese private banks (Domestically Licensed Banks and Shinkin Banks which conduct transactions with the Bank of Japan and exclude the Resolution and Collection Corporation, the Bridge Bank of Japan <dissolved on March 8, 2004>, the Second Bridge Bank of Japan and the Japan Post Bank) in the fiscal year 2008. Households do not include small firms owned and run by individuals. Local governments include administrations of prefectures and cities, as well as their directly managed businesses such as public transportation, water, electricity and gas utilities, and hospitals. Definitions of firm size are as follows. Large: Corporations with capital of Y1 billion or over with more than 300 regular employees (wholesaling and services firms capitalized at Y1 billion or over with more than 100 regular employees; and retailing, food and beverage services firms capitalized at Y1 billion or over with more than 50 regular employees). Small: Corporations and small firms owned and run by individuals with capital of Y300 million or less, or with 300 regular employees or fewer (wholesaling firms capitalized at Y100 million or less, or with 100 regular employees or fewer; retailing, food and beverage services and other services firms capitalized at Y50 million or less, or with 50 regular employees or fewer [100 or fewer for other services firms]). Medium-sized: Corporations which are the residuals of the above two categories.
2. (a) (Percentage of respondents selecting "substantially stronger" + percentage of respondents selecting "moderately stronger" * 0.5) - (percentage of respondents selecting "substantially weaker" + percentage of respondents selecting "moderately weaker" * 0.5).
   (b) (Percentage of respondents selecting "eased considerably" + percentage of respondents selecting "eased somewhat" * 0.5) - (percentage of respondents selecting "tightened considerably" + percentage of respondents selecting "tightened somewhat" * 0.5)