Explanation of "Deposits, Vault Cash, and Loans and Bills Discounted,""Amounts Outstanding of Deposits by Depositor," and "Loans and Bills Discounted by Sector"

April 2024
Bank of Japan
Research and Statistics Department

The structure of "Deposits, Vault Cash, and Loans and Bills Discounted,""Amounts Outstanding of Deposits by Depositor," and "Loans and Bills Discounted by Sector"

The structure of "Deposits, Vault Cash, and Loans and Bills Discounted,""Amounts Outstanding of Deposits by Depositor," and "Loans and Bills Discounted by Sector" is as follows.

• * The figures are amounts outstanding at end of period except "Deposits, Vault Cash, and Loans and Bills Discounted (Average Amounts Outstanding)," "New Loans for Fixed Investment by Sector."
• ** FH data means fiscal half data (March and September)

I. Deposits, Vault Cash, and Loans and Bills Discounted (Monthly data)

Relevant statistics

Deposits, Vault Cash, and Loans and Bills Discounted

Basic Information

Frequency of compilation : Monthly basis

Time of release : The 8th business day after the 19th^* of the next month

Commencement of data :

1. Coverage

1. 1) Domestically licensed banks (banking accounts, trust accounts, overseas office accounts)
2. 2) Foreign banks in Japan (banking accounts)
3. 3) Shinkin Banks (banking accounts)
4. 4) Other financial institutions (banking accounts) : The Rokinren Bank, Prefectural Credit Federations of Agricultural Cooperatives, the Norinchukin Bank, the Shoko Chukin Bank, Shinkin Central Bank, and Shinkumi Federation Bank.

2. Contents

• forms of survey sheets

In July 2012, all data series in "Amounts Outstanding of Deposits by Depositor (Monthly data)" and "Loans and Bills Discounted by Sector (Monthly data)" were integrated into "Deposits, Vault Cash, and Loans and Bills Discounted (Monthly data)" for the entire period.

3. Notice on Usage

1. 1) Domestically licensed banks' banking accounts in the statistics exclude the Resolution and Collection Corporation (through March 1999, Resolution and Collection Bank), 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 (the business was transferred on December 26, 2011), and the Japan Post Bank.
2. 2) Figures exclude offshore accounts (established in December 1986).
3. 3) "Households" refers to deposits made in the name of individuals.
4. 4) "Central government" refers to deposits made by the central government.
5. 5) "Local governments and local public enterprises" refers to deposits made by local governments and local public enterprises (of those under the Local Public Enterprise Law).
6. 6) "Financial institutions" refers to deposits made by banks (including foreign banks in Japan and the Japan Post Bank), Shinkin Banks, Shinkin Central Bank, Labour Banks, the Rokinren Bank, Agricultural Cooperatives and Prefectural Credit Federations of Agricultural Cooperatives, Fishery Coops and Prefectural Credit Federations of Fishery Cooperatives, the Norinchukin Bank, Shinkumi Banks, Shinkumi Federation Bank, the Shoko Chukin Bank, the Resolution and Collection Corporation, insurance companies (including the Japan Post Insurance and Nippon Export and Investment Insurance), public financial institutions (Bank of Japan <i.e. deposits with the agents of Bank of Japan, etc>, Development Bank of Japan, Japan Finance Corporation, Japan Bank for International Cooperation, the Okinawa Development Finance Corporation, Japan Finance Organization for Municipalities, Japan Housing Finance Agency, Organization for Postal Savings, Postal Life Insurance and Post Office Network, Organization for Small & Medium Enterprises and Regional Innovation, Welfare and Medical Service Agency, and Corporation for Revitalizing Earthquake affected Business), and the holding companies of the above-mentioned financial institutions (including the Japan Post Holdings).
7. 7) "Demand deposits" is the sum of "current deposits,""ordinary deposits,""saving deposits,""deposits at notice,""special deposits," and "deposits for tax payments." It excludes "nonresident yen deposits," and "foreign currency deposits."
8. 8) "Time and savings deposits" is the sum of "time deposits,""fixed savings," and "installment savings."
9. 9) "Loans and bills discounted" includes bills discounted, loans on bills, loans on deeds, and overdrafts, and excludes call loans, bills bought, and foreign exchanges.
10. 10) Overseas office of domestically licensed banks includes "loans and bills discounted" to Japanese residents.
11. 11) The definition of small enterprises is 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 and 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 and 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 classification standard for "services (old basis)" is applied to "services" (excluding eating and drinking services").
    From June 2009 :
    The classification standard for "services (old basis)" is applied to "services" (excluding "eating and drinking services"). These industries include "goods rental and leasing," "scientific research, and professional and technical services," "hotels," "living-related and personal services," "amusement services," "education and learning support," "medical, health care, and welfare services," and "other services."
12. 12) "Loans and bills discounted (End of Period, Average Amounts Outstanding)" excludes loans to the central government.
13. 13) "Corporations (including financial corporations)" indicates figures that exclude "local governments," "households," and "overseas yen loans and domestic loans transferred overseas" from the total of "loans and bills discounted," and include private unincorporated enterprises.
14. 14) Loans to households identified as being for business purpose are excluded from "households."In principle, loans that cannot be classified as being for business or nonbusiness purpose are recorded under "households." Note that some banks reclassified loans by purpose for business or nonbusiness in March 2004, September 2006, June 2009, April 2010, September 2015, and March 2018. As a result, loans for business purpose were excluded from "households."
15. 15) "Central government" is the sum of loans to the general account and the special accounts.
16. 16) 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.
17. 17) If an error is discovered in the reported data or in the compiling process, the data are revised immediately. In principle, the data are retroactively revised approximately for the previous 3 years, and are announced on the closest release date from when the error was reported. However, in cases where the scale of revision is below 0.1% of amounts outstanding of total of deposits or loans, the data are revised at the time of the next revision.

4. Related statistics

Amounts Outstanding of Deposits by Depositor, Deposits, Vault Cash, and Loans and Bills Discounted by Prefecture (Domestically Licensed Banks), Loans and Bills Discounted by Sector, Loans to Households (Housing Loans, Consumer Loans)

II. Amounts Outstanding of Deposits by Depositor (FH data)

Relevant statistics

Amounts Outstanding of Deposits by Depositor (FH data), Amounts Outstanding of Deposits by Depositor (by Amount), Amounts Outstanding of Deposits by Depositor (by Detailed Type of Depositor)

Basic Information

Frequency of compilation : FH data (March and September)
^* Quarterly data are also available for the following period.

Time of release :

Commencement of data :

1. Coverage

1. 1) Domestically licensed banks (banking accounts)
2. 2) Shinkin Banks (banking accounts)

2. Contents

• forms of survey sheets

3. Notice on Usage

1. 1) Domestically licensed banks' banking accounts in the statistics exclude the Resolution and Collection Corporation (through March 1999, Resolution and Collection Bank), 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 (the business was transferred on December 26, 2011), and the Japan Post Bank.
2. 2) "Households" refers to deposits made in the name of individuals.
3. 3) "Central government, local governments, and local public enterprises" refers to deposits made by the central government and by local governments and local public enterprises (of those under the Local Public Enterprise Law).
4. 4) "Financial institutions" refers to deposits made by banks (including foreign banks in Japan and the Japan Post Bank), Shinkin Banks, Shinkin Central Bank, Labour Banks, the Rokinren Bank, Agricultural Cooperatives and Prefectural Credit Federations of Agricultural Cooperatives, Fishery Coops and Prefectural Credit Federations of Fishery Cooperatives, the Norinchukin Bank, Shinkumi Banks, Shinkumi Federation Bank, the Shoko Chukin Bank, the Resolution and Collection Corporation, insurance companies (including the Japan Post Insurance and Nippon Export and Investment Insurance), public financial institutions (Bank of Japan <i.e. deposits with the agents of Bank of Japan, etc>, Development Bank of Japan, Japan Finance Corporation, Japan Bank for International Cooperation, the Okinawa Development Finance Corporation, Japan Finance Organization for Municipalities, Japan Housing Finance Agency, Organization for Postal Savings, Postal Life Insurance and Post Office Network, Organization for Small & Medium Enterprises and Regional Innovation, Welfare and Medical Service Agency, and Corporation for Revitalizing Earthquake affected Business), and the holding companies of the above-mentioned financial institutions (including the Japan Post Holdings).
5. 5) From June 1998, figures include foreign trust banks.
6. 6) Number of accounts is number of deposit accounts. (Plural accounts of a single individual are counted as separate accounts)
   --- As for defined contribution pension plans (corporate-type), the number of accounts is counted by company (and not by individual employee) for each month. Some banks, however, had counted the number of accounts by individual employee through September 2007.
7. 7) Figures exclude offshore accounts (established in December 1986).
8. 8) 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.
9. 9) Due to the revision of the industrial classification, detailed components of "institutions providing medical, health care, welfare, and educational services, and other organizations" and "institutions providing welfare and educational services and other organizations" have been changed since March 2003. Those of "nondeposit-taking institutions including money lenders and credit card companies (but excluding government financial institutions) " have also been changed since September 2009. Please click "Revision of Industrial Classification of Statistics on Loans and Deposits" for the details of the most recent revision.
10. 10) Since the data are preliminary figures at the time of the first publication, they may be revised at the next publication.
11. 11) If an error is discovered in the reported data or in the compiling process, the data are revised immediately. In principle, the data are retroactively revised approximately for the previous 3 years, and are announced on the closest release date from when the error was reported. However, in cases where the scale of revision is below 0.1% of amounts outstanding of total of deposits, the data are revised at the time of the next revision.

4. Related statistics

Deposits, Vault Cash, and Loans and Bills Discounted, Deposits, Vault Cash, and Loans and Bills Discounted by Prefecture (Domestically Licensed Banks)

III. Deposits, Vault Cash, and Loans and Bills Discounted by Prefecture (Domestically Licensed Banks) (Monthly data)

Relevant statistics

Deposits, Vault Cash, and Loans and Bills Discounted by Prefecture (Domestically Licensed Banks)

Basic Information

Frequency of compilation : Monthly basis

Time of release : The 7th business day after the 19th^* of the next month

Commencement of data : The data series from April 1998 are available in "BOJ Time-Series Data Search"

1. Coverage

Domestically licensed banks (banking accounts)

2. Contents

• forms of survey sheets

3. Notice on Usage

1. 1) Domestically licensed banks' banking accounts in the statistics exclude the Resolution and Collection Corporation (through March 1999, Resolution and Collection Bank), 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 (the business was transferred on December 26, 2011), and the Japan Post Bank.
2. 2) "Households" refers to deposits made in the name of individuals.
3. 3) "Central government" refers to deposits made by the central government.
4. 4) "Local governments and local public enterprises" refers to deposits made by local governments and local public enterprises (of those under the Local Public Enterprise Law).
5. 5) "Financial institutions" refers to deposits made by banks (including foreign banks in Japan and the Japan Post Bank), Shinkin Banks, Shinkin Central Bank, Labour Banks, the Rokinren Bank, Agricultural Cooperatives and Prefectural Credit Federations of Agricultural Cooperatives, Fishery Coops and Prefectural Credit Federations of Fishery Cooperatives, the Norinchukin Bank, Shinkumi Banks, Shinkumi Federation Bank, the Shoko Chukin Bank, the Resolution and Collection Corporation, insurance companies (including the Japan Post Insurance and Nippon Export and Investment Insurance), public financial institutions (Bank of Japan <i.e. deposits with the agents of Bank of Japan, etc>, Development Bank of Japan, Japan Finance Corporation, Japan Bank for International Cooperation, the Okinawa Development Finance Corporation, Japan Finance Organization for Municipalities, Japan Housing Finance Agency, Organization for Postal Savings, Postal Life Insurance and Post Office Network, Organization for Small & Medium Enterprises and Regional Innovation, Welfare and Medical Service Agency, and Corporation for Revitalizing Earthquake affected Business), and the holding companies of the above-mentioned financial institutions (including the Japan Post Holdings).
6. 6) "Other deposits" includes nonresident yen deposits and foreign currency deposits.
7. 7) "Loans and bills discounted" includes bills discounted, loans on bills, loans on deeds, and overdrafts, and excludes call loans, bills bought, and foreign exchanges.
8. 8) Figures exclude offshore accounts (established in December 1986).
9. 9) If an error is discovered in the reported data or in the compiling process, the data are revised immediately. In principle, the data are retroactively revised approximately for the previous 3 years, and are announced on the closest release date from when the error was reported. However, in cases where the scale of revision is below 0.1% of amounts outstanding of total of deposits or loans, the data are revised at the time of the next revision.
10. 10) For the time-series data of "loans and bills discounted" for some prefectures, mainly Ibaraki and adjacent ones, figures from July 2015 onward have been revised due to the reclassification of loans for one of the reporting banks.
11. 11) For the time-series data of "loans and bills discounted" for some prefectures, mainly Gifu and adjacent ones, figures from March 2018 onward have been revised due to the reclassification of loans for one of the reporting banks.
12. 12) For the time-series data of "loans and bills discounted," there are discontinuities in the data for August 2022 due to the reclassification of loans for one of the reporting banks.

4. Related statistics

Deposits, Vault Cash, and Loans and Bills Discounted, Amounts Outstanding of Deposits by Depositor, Loans and Bills Discounted by Sector

IV. Loans and Bills Discounted by Sector (Quarterly data)

Relevant statistics

Loans and Bills Discounted by Sector (by Type of Industries, by Scale of Enterprises, New Loans for Fixed Investment)

Basic Information

Frequency of compilation : Quarterly basis

Time of release :

Commencement of data : The data series from 1970 are available in "BOJ Time-Series Data Search"

1. Coverage

1. 1) Domestically licensed banks (banking accounts, trust accounts, and overseas office accounts)
2. 2) Shinkin Banks (banking accounts)
3. 3) Other financial institutions (banking accounts): The Norinchukin Bank, the Shoko Chukin Bank, Development Bank of Japan, Japan Finance Corporation (Micro Business and Individual Unit, Small and Medium Enterprise Unit, and Agriculture, Forestry, Fisheries and Food Business Unit), Japan Bank for International Cooperation, and the Okinawa Development Finance Corporation.

2. Contents

• forms of survey sheets

1. 1) Classification of enterprises

Through the first quarter of 2000

From the second quarter of 2000 to the fourth quarter of 2002

From the first quarter of 2003 to the first quarter of 2009

From the second quarter of 2009

• From the second quarter of 2009, the classification standard for "services (old basis)" is applied to industries that were categorized previously as "services"(excluding "eating and drinking services"). These industries include "goods rental and leasing," "scientific research, and professional and technical services," "hotels," "living-related and personal services, and amusement services," "education and learning support," "medical, health care, and welfare services," and "other services."

2. 2) Classification by purpose
   Fixed investment is surveyed as a sub-category of total.
3. 3) Number of Borrowers
   Number of borrowers is surveyed in March and September.

3. Notice on Usage

1. 1) Domestically licensed banks' banking accounts in the statistics exclude the Resolution and Collection Corporation (through March 1999, Resolution and Collection Bank), 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 (the business was transferred on December 26, 2011), and the Japan Post Bank.
2. 2) "Loans and bills discounted" includes bills discounted, loans on bills, loans on deeds, and overdrafts, and excludes call loans, bills bought, and foreign exchanges.
3. 3) Loans to households identified as being for business purpose are categorized under the appropriate industry. In principle, loans that cannot be classified as being for business or nonbusiness purpose are recorded under "households," as are housing funds and consumer credit with installment repayments. Note that some banks reclassified loans by purpose for business or nonbusiness in the first quarter of 2004, the third quarter of 2006, the second quarter of 2009, the second quarter of 2010, the third quarter of 2015, and the first quarter of 2018. As a result, loans that were identified as being for business purposes were reclassified into each appropriate industry, such as real estate.
4. 4) Some banks reclassified certain loans between sub-sectors of "real estate." As a result, there are discontinuities in the data for the second quarter of 2015 for loans to "house and room lending by households" and for the third quarter of 2017 for loans to "special purpose companies for real estate."
5. 5) Local public corporations are categorized based on their primary business, in accordance with the Japan Standard Industrial Classification.
6. 6) As for other financial institutions, definition of loans is different among institutions.

7. 7) Figures exclude offshore accounts (established in December 1986).
8. 8) There are some discontinuities in the data for the first quarter of 2003 and for the second quarter of 2009 due to the revisions of the industrial classification. Please see "Revision of Industrial Classification of Statistics on Loans and Deposits" for details on the revision implemented in 2009.
9. 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. 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 retroactively revised approximately for the previous 3 years, and are announced on the closest release date from when the error was reported. However, in cases where the scale of revision is below 0.1% of amounts outstanding of total of loans, the data are revised at the time of the next revision.

4. Related statistics

Deposits, Vault Cash, and Loans and Bills Discounted, Loans to Households (Housing Loans, Consumer Loans), Deposits, Vault Cash, and Loans and Bills Discounted by Prefecture (Domestically Licensed Banks)