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Reserve Requirement Ratios

Reserve Ratios on Deposits(a)

Banks, Long-term Credit Banks, Foreign Exchange Banks(f), Sogo Banks(b), and Shinkin Banks
(Applicable to Sogo Banks(b)and Shinkin Banks, with deposits of more than 160 billion yen at the fiscal year-end)

Table : Reserve Ratios on Deposits (%)
  Effective date
(86/ 7/ 1)
Effective date
(91/10/16)
Classification by Amount of Designated Accounts(c) Time Deposits (Including Certificates of Deposit) More than 2.5 trillion yen 1.75 1.2
More than 1.2 trillion yen and 2.5 trillion yen or less 1.375 0.9
More than 500 billion yen and 1.2 trillion yen or less 0.125 0.05
More than 50 billion yen and 500 billion yen or less 0.125 0.05
Other Deposits More than 2.5 trillion yen 2.5 1.3
More than 1.2 trillion yen and 2.5 trillion yen or less 2.5 1.3
More than 500 billion yen and 1.2 trillion yen or less 1.875 0.8
More than 50 billion yen and 500 billion yen or less 0.25 0.1

Norinchukin Bank

Norinchukin Bank (%)
  Effective date
(86/ 7/ 1)
Effective date
(91/10/16)
Time Deposits
(Including Certificates of Deposit)
0.125 0.05
Other Deposits 0.25 0.1

Reserve Ratios on Debentures Outstanding(d)

Table : Reserve Ratios on Debentures Outstanding (%)
  Effective date
(81/ 4/ 1)
Effective date
(91/10/16)
Banks, Long-term Credit Banks, and Foreign Exchange Banks(g) 0.125 0.1

Reserve Ratio on Outstanding Principal Balance of Money in Trust (including Loan Trusts)

Table : Reserve Ratio on Outstanding Principal Balance of Money in Trust (including Loan Trusts) (%)
Effective date
(81/ 4/ 1)
Effective date
(91/10/16)
0.125 0.1

Authorized Foreign Exchange Banks(e)

Table : Authorized Foreign Exchange Banks (%)
  Effective date
(86/12/ 1)
Effective date
(91/10/16)
Reserve Ratio on Foreign Currency Liabilities against Nonresidents
(Special International Transaction Accounts are excluded)
0.25 0.15
Reserve Ratios on Balances of Residents' Foreign Currency Deposits
(Special International Transaction Accounts are excluded)
Time Deposits 0.375 0.2
Other Deposits 0.5 0.25
Reserve Ratio on Liabilities in Nonresident Yen Accounts
(Special International Transaction Accounts are excluded)
0.25 0.15
Reserve Ratio on Balances Transferred from Special International Transaction Accounts to other accounts 0.25 0.15

Notes

  1. (a) Installment savings are included and deposits regarding special international transaction accounts are excluded. While foreign currency deposits and nonresident yen deposits held by authorized foreign exchange banks are excluded until the end of March 1998, all of the foreign currency deposits and nonresident yen deposits are excluded from April 1, 1998.
  2. (b) The reserve ratios on deposits of Sogo Banks were abolished on April 1, 1993.
  3. (c) No reserve ratio is set for deposits within the classification of designated accounts as "50 billion yen or less" by their amount.
  4. (d) Beginning April 1996, includes debentures that are the parts of debts succeeded by the newly established financial institution by merger from the forerunners. The institution has to be a designated one stipulated under the Act on Reserve Requirement System.
  5. (e) Applied to all designated financial institutions under the Act on Reserve Requirement System from April 1, 1998.
  6. (f) The reserve ratios on deposits of foreign exchange banks were abolished on December 1, 1998.
  7. (g) "Foreign Exchange Bank" was institutionally abolished as the Foreign Exchange Bank Act was repealed on December 1,1998.