Concentration of Maturing Fixed-Term Deposits and Uncertainty Regarding Reinvestment
First written in FY2017-Q2. 18 of 26 entries say "Mitigated", first in FY2017-Q3. Latest entry: FY2026.
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- FY2026Continued declines in time deposits and total deposit balancesAnnual report
「While time deposits declined by ¥3.4729 trillion from the end of the previous fiscal year, liquid deposits also declined by ¥861.6 billion, and total deposit balances declined by ¥4.3519 trillion.」
Liquid deposits declined in addition to time deposits, and the decline in total deposit balances associated with the concentration of fixed-term savings maturities continued. - FY2026-H1Continued declines in time deposits and total deposit balancesAnnual report
「While time deposits declined by ¥1.5074 trillion from the end of the previous fiscal year, liquid deposits also declined by ¥505.8 billion, and total deposit balances declined by ¥2.0220 trillion.」
In addition to the decline in time deposits, liquid deposits also declined, and total deposit balances continued to decrease. - FY2025Continued declines in time deposits and total deposit balancesAnnual report
「While time deposits declined by ¥4.0556 trillion from the end of the previous fiscal year, liquid deposits increased by ¥1.6843 trillion, and total deposit balances declined by ¥2.3379 trillion.」
The increase in liquid deposits was insufficient to offset the decline in time deposits, and total deposit balances continued to decline. - FY2025-H1Continued declines in time deposits and total deposit balancesAnnual report
「While time deposits declined by ¥2.2934 trillion from the end of the previous fiscal year, liquid deposits increased by ¥844.4 billion, and total deposit balances declined by ¥1.4168 trillion.」
The increase in liquid deposits was insufficient to offset the decline in time deposits, including fixed-term savings, and total deposit balances continued to decline. - FY2024Continued declines in time deposits and total deposit balancesAnnual report
「While time deposits declined by ¥6.8377 trillion from the end of the previous fiscal year, liquid deposits increased by ¥4.7031 trillion, and total deposit balances declined by ¥2.1485 trillion.」
The increase in liquid deposits was insufficient to offset the decline in time deposits, resulting in a decrease in total deposit balances. - FY2024-Q3Continued declines in time deposits and total deposit balancesAnnual report
「Liquid deposits 119,611,343 61.35 124,784,326 64.02 5,172,983 Time deposits 75,217,326 38.58 70,020,840 35.92 △5,196,486」
Time deposits declined by ¥5.1964 trillion from the end of the previous fiscal year, while liquid deposits increased by ¥5.1729 trillion. The increase in liquid deposits was insufficient to offset the decline, and total deposit balances decreased by ¥44.8 billion from the end of the previous fiscal year. - FY2024-Q2Decline in time deposits and total deposit balancesAnnual report
「While time deposits declined by ¥3.3418 trillion from the end of the previous fiscal year, liquid deposits increased by ¥2.5510 trillion, and total deposit balances declined by ¥807.6 billion.」
Time deposits declined as fixed-term savings maturities became concentrated, and although the increase in ordinary savings and other products offset part of the decline, total deposit balances decreased from the end of the previous fiscal year. - FY2024-Q1MitigatedAnnual report
「The deposit balance increased by ¥1.0767 trillion from the end of the previous fiscal year to ¥196.0253 trillion, mainly due to growth in ordinary savings and other balances.」
While time deposits declined by ¥1.6230 trillion from the end of the previous fiscal year, ordinary savings and other products increased by ¥2.3520 trillion, and total deposit balances increased by ¥1.0767 trillion. The increase in ordinary savings and other products offset the decline in time deposits associated with concentrated maturities. - FY2023-Q3MitigatedAnnual report
「The deposit balance increased by ¥1.8134 trillion from the end of the previous fiscal year to ¥195.2521 trillion, mainly due to growth in ordinary savings and other balances.」
While time deposits declined by ¥4.3202 trillion from the end of the previous fiscal year, ordinary savings and other products increased by ¥5.4091 trillion, and total deposit balances increased by ¥1.8129 trillion. The increase in ordinary savings and other products offset the decline in time deposits associated with concentrated maturities. - FY2023-Q1MitigatedAnnual report
「Deposits stood at ¥194.9637 trillion, an increase of ¥1.5251 trillion from the end of the previous fiscal year, mainly due to higher balances of ordinary savings and other products.」
While time deposits declined by ¥1.2754 trillion from the end of the previous fiscal year, ordinary savings and other products increased by ¥2.8398 trillion, and total deposit balances increased by ¥1.5251 trillion. No deterioration in total balances was indicated as a result of concentrated maturities. - FY2022MitigatedAnnual report
「While time deposits declined by ¥7.1230 trillion from the end of the previous fiscal year, ordinary savings and other products increased by ¥9.2590 trillion, and total deposit balances increased by ¥3.8484 trillion.」
Time deposits declined as fixed-term and term savings maturities became concentrated, but total deposit balances increased as a result of higher balances of ordinary savings and other products, with no deterioration in total balances indicated. - FY2022-Q2MitigatedAnnual report
「Ordinary savings and other products 91,546,309 48.28 96,128,369 50.17 4,582,059 Time deposits 88,145,649 46.49 84,840,539 44.28 △3,305,109」
While time deposits declined by ¥3.3051 trillion from the end of the previous fiscal year, ordinary savings and other products increased by ¥4.5820 trillion, and total deposit balances increased by ¥2.0045 trillion. No deterioration in total balances was indicated in response to the concentration of fixed-term savings maturities. - FY2022-Q1MitigatedAnnual report
「Deposits stood at ¥191.9738 trillion, an increase of ¥2.3853 trillion from the end of the previous consolidated fiscal year, mainly due to higher balances of ordinary savings and other products.」
While time deposits declined by ¥1.5954 trillion from the end of the previous fiscal year, total deposit balances increased by ¥2.3853 trillion, with no deterioration in total balances indicated as a result of concentrated maturities. - FY2021-Q3MitigatedAnnual report
「Time deposits 95,298,907 52.07 90,025,916 47.44 △5,272,991」
While time deposits declined by ¥5.2729 trillion from the end of the previous fiscal year, total deposit balances increased by ¥6.7462 trillion. No deterioration in total balances was indicated as a result of concentrated maturities. - FY2021-Q1MitigatedAnnual report
「Deposit balances increased by ¥4.4753 trillion from the end of the previous fiscal year to ¥187.4772 trillion.」
While fixed-term savings declined by ¥1.6592 trillion from the end of the previous fiscal year, total deposit balances increased by ¥4.4753 trillion. No deterioration in total balances was indicated as a result of concentrated maturities. - FY2020MitigatedAnnual report
「Deposits at the end of the fiscal year remained stable and stood at ¥183.0047 trillion, an increase of ¥2.0055 trillion from the end of the previous fiscal year.」
Although fixed-term savings balances declined, total deposit balances increased by ¥2.0055 trillion from the end of the previous fiscal year, with no deterioration in total balances indicated as a result of concentrated maturities. - FY2020-Q3MitigatedAnnual report
「Deposit balances remained stable, increasing by ¥2.9133 trillion from the end of the previous fiscal year to ¥183.9105 trillion.」
While time deposits declined from the end of the previous fiscal year, total deposit balances increased by ¥2.9133 trillion. No deterioration in total balances was indicated as a result of the concentration of fixed-term savings maturities. - FY2020-Q2MitigatedAnnual report
「Deposits at the end of the second quarter stood at ¥181.9026 trillion, having remained stable and increased by ¥903.5 billion from the end of the previous fiscal year.」
While time deposits declined by ¥2.8750 trillion from the end of the previous fiscal year, total deposit balances increased by ¥903.5 billion. No deterioration in total balances was indicated as a result of concentrated maturities. - FY2020-Q1MitigatedAnnual report
「Deposits at the end of the first quarter stood at ¥183.1338 trillion, having remained stable and increased by ¥2.1347 trillion from the end of the previous fiscal year.」
While time deposits declined by ¥1.3145 trillion from the end of the previous fiscal year, total deposit balances increased by ¥2.1347 trillion, with no deterioration in total balances indicated as a result of concentrated maturities. - FY2019MitigatedAnnual report
「Deposits at the end of the fiscal year remained stable and stood at ¥180.9991 trillion, an increase of ¥1.1163 trillion from the end of the previous fiscal year.」
Although fixed-term savings and other products declined, total deposit balances increased by ¥1.1163 trillion from the end of the previous fiscal year, with no deterioration in balances indicated as a result of concentrated maturities. - FY2019-Q3MitigatedAnnual report
「Deposit balances at the end of the third quarter were stable, increasing by ¥1.9578 trillion from the end of the previous fiscal year to ¥181.8406 trillion.」
While time deposits declined from the end of the previous fiscal year, total deposit balances increased by ¥1.9578 trillion despite the impact of concentrated maturities. - FY2018MitigatedAnnual report
「Deposit balances at the end of the fiscal year remained stable, increasing by ¥448.0 billion from the end of the previous fiscal year to ¥179.8827 trillion.」
Although balances of fixed-term savings and other products declined, total deposit balances increased by ¥448.0 billion from the end of the previous fiscal year amid the continuing concentration of maturities. - FY2018-Q3MitigatedAnnual report
「Deposit balances remained stable, increasing by ¥1.6261 trillion from the end of the previous fiscal year to ¥181.0608 trillion.」
Deposit balances increased from the end of the previous fiscal year despite the continuing concentration of fixed-term savings maturities. No deterioration in balances was reported in relation to the uncertainty over re-deposits upon maturity. - FY2017MitigatedAnnual report
「During the fiscal year, as the number of customers whose fixed-term savings matured increased significantly compared with usual, we promoted continued use of our banking products, including related products, through maturity notices and guidance from nearby post offices.」
In response to the concentration of fixed-term savings maturities, maturity notices and guidance from post offices were provided, and deposits at the end of the fiscal year increased from the end of the previous fiscal year. - FY2017-Q3MitigatedAnnual report
「Deposit balances remained stable despite a higher-than-usual volume of time deposits reaching maturity, increasing by ¥2.2108 trillion from the end of the previous fiscal year to ¥180.0828 trillion.」
Deposit balances remained stable and increased from the end of the previous fiscal year despite maturities being higher than usual. Regarding the uncertainty over re-deposits associated with the concentration of fixed-term savings maturities, no decline in balances was reported for the current quarter. - FY2017-Q2First statedAnnual report
「In addition, if the re-depositing of fixed-term savings deposits whose maturities are concentrated from the second quarter of the fiscal year ended March 2017 onward, sales of investment trusts, or the securing and development of personnel in investment management, risk management, sales and other areas do not progress as expected, plans such as expanding total assets under custody may not be achieved.」
The disclosure states that the plan may fall short if re-deposits of fixed-term savings, whose maturities were concentrated from the second quarter of the fiscal year ending March 2017 onward, do not progress as expected.