European Business School London Regents College

Private non-deposit-taking institutions and public financial institutions

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12 Banking in Japan

Private non-deposit-taking institutions. They include a wide variety of securities, insurance and other firms.
public financial institutions. They perform a significant role in financial system.
Post Office has over 24,000 branches. Japan’s postal saving system is the world’s largest financial institutions in terms of deposits.
Development banks. They direct lend to certain sectors.

Between 1996 and 2005 bank lending portfolios have declined by around 30% reflecting the lack of demand and the increasing number of bad loans that had to be written off.
The decline in lending and the increase in liquid assets is an indication of the weak state of the domestic economy.
Also deposit decreased.
ROE values are very low by international standards, mostly because bad loans

According to the latest estimates, Japan recorded a sharp expansion in GDP in the fourth quarter (3.8 per cent on an annual basis, against a contraction of 0.6 per cent in the third quarter), thanks mainly to the robust increase of 22 per cent in exports.
Private consumption performed well again, growing by 2.8 per cent thanks partly to a series of incentives for purchases of durable goods. Non-residential private investment returned to growth after a year and a half, expanding by 3.8 per cent, while residential investment declined sharply again, contracting by 12.5 per cent.
The latest cyclical indicators offer contradictory signals regarding the strength of the current recovery.

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