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Bank of The Ryukyus,Limited (8399) · FactUpdated with full-year key account balances

Increase in Loans and Decline in Deposits and Securities

First written in FY2017-Q3. . Latest entry: FY2026.

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ProgressHeldSoftenedWorseOtherFY2017-Q3 – FY20262017: 320172018: 420182019: 420192020: 320202021: 420212022: 320222023: 320232024: 320242025: 120252026: 12026
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Changes in the Composition of Cash, Securities and LoansA theme 3 companies write about · 0 as a headwind · 0 as a tailwind

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  1. FY2026Updated with full-year key account balancesAnnual report

    「The main account balances were as follows. The balance of deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.901888 trillion at the end of the period, up ¥119.170 billion from the end of the previous consolidated fiscal year, due to increases in personal deposits, corporate deposits and other deposits. The balance of loans totaled ¥2.079733 trillion, up ¥99.616 billion, due to increases in loans to corporations within the prefecture and housing loans and other loans. Securities totaled ¥709.135 billion, up ¥21.569 billion from the end of the previous consolidated fiscal year.」

    Deposits and other deposits, loans and securities all increased, and the loan balance reached ¥2.079733 trillion.
  2. FY2026-H1Updated the main account balances for the interim period.Annual report

    「The main account balances were as follows. Deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.883051 trillion, up ¥100.333 billion from the end of the previous consolidated fiscal year, due to an increase in public-sector deposits. Loans totaled ¥2.011562 trillion, up ¥31.445 billion. Securities totaled ¥713.503 billion, up ¥25.937 billion.」

    At the end of the interim period, deposits and other deposits, loans and securities all increased from the previous year-end. The stated drivers were an increase in public-sector deposits, an increase in loans and acquisitions of securities.
  3. FY2025-H1Updated the main account balances for the interim period.Annual report

    「The main account balances were as follows. Deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.832845 trillion, down ¥3.403 billion from the end of the previous consolidated fiscal year, as a decrease in public-sector deposits outweighed an increase mainly in personal deposits. Loans totaled ¥1.903100 trillion, up ¥21.154 billion, due to an increase in corporate lending. Securities totaled ¥734.619 billion, up ¥42.374 billion, mainly due to acquisitions of Japanese government bonds.」

    At the end of the interim period, deposits and other deposits decreased, while loans increased due to an increase in corporate lending, and securities also increased due to acquisitions of Japanese government bonds.
  4. FY2024Updated with full-year key account balancesAnnual report

    「The main account balances were as follows. The balance of deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.836248 trillion at the end of the period, up ¥107.468 billion from the end of the previous consolidated fiscal year, as personal deposit balances remained high. The balance of loans totaled ¥1.881946 trillion, up ¥53.886 billion, as personal lending, particularly housing loans, remained strong and corporate lending increased due to a recovery in demand for business funds within the prefecture and other factors. Securities totaled ¥692.245 billion, up ¥215.070 billion, due to acquisitions of bonds, mainly Japanese government bonds.」

    At the end of the fiscal year, deposits and other deposits, loans and securities all increased from the previous year-end, with securities increasing significantly due to acquisitions of Japanese government bonds.
  5. FY2024-Q3Updated the main account balances for the third quarter.Annual report

    「The main account balances were as follows. Deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.780693 trillion, up ¥51.913 billion from the end of the previous consolidated fiscal year, as they increased mainly through personal deposits. Loans totaled ¥1.839907 trillion, up ¥11.847 billion, as personal lending, particularly housing loans, remained strong and corporate loan balances increased due to a recovery in demand for funds. Securities totaled ¥677.025 billion, up ¥199.850 billion, mainly due to acquisitions of Japanese government bonds.」

    At the end of the third quarter, deposits and other deposits increased, mainly through personal deposits, and loans, including corporate loans, also increased. Securities increased significantly, mainly due to acquisitions of Japanese government bonds.
  6. FY2024-Q2Updated the main account balances for the interim period.Annual report

    「The main account balances were as follows. Deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.775040 trillion, up ¥46.259 billion from the end of the previous consolidated fiscal year, as they increased mainly through corporate deposits. Loans totaled ¥1.809883 trillion, down ¥18.176 billion, as strong personal lending, particularly housing loans, was outweighed by a decrease in corporate loan balances due to repayments and other factors. Securities totaled ¥664.502 billion, up ¥187.326 billion, mainly due to acquisitions of Japanese government bonds.」

    At the end of the interim period, deposits and other deposits increased, mainly through corporate deposits, and securities also increased significantly due to acquisitions of Japanese government bonds, while loans decreased due to repayments and other factors relating to corporate lending.
  7. FY2024-Q1Updated the main account balances for the first quarter.Annual report

    「The main account balances were as follows. Deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.766507 trillion, up ¥37.726 billion from the end of the previous consolidated fiscal year, as they increased mainly through personal deposits. Loans totaled ¥1.812221 trillion, down ¥15.837 billion, as strong personal lending, particularly housing loans, was outweighed by a decrease in corporate loan balances due to repayments from surplus funds and other factors. Securities totaled ¥489.613 billion, up ¥12.438 billion, mainly due to acquisitions of Japanese and local government bonds.」

    At the end of the first quarter, deposits and other deposits increased, mainly through personal deposits, and securities also increased due to acquisitions of Japanese and local government bonds, while loans decreased due to a decline in corporate lending.
  8. FY2023-Q3Updated the main account balances for the third quarter.Annual report

    「The main account balances were as follows. Deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.687480 trillion, up ¥89.221 billion from the end of the previous consolidated fiscal year, as they increased mainly through personal deposits due to a higher propensity to save resulting from the spread of COVID-19 and other factors. Borrowings totaled ¥108.511 billion, down ¥189.360 billion, mainly because borrowings from the Bank of Japan were repaid at the end of September. Loans totaled ¥1.812810 trillion, up ¥8.395 billion, due to increases centered on corporate loans and housing loans. Securities totaled ¥403.736 billion, up ¥39.557 billion, due to acquisitions of bonds, mainly Japanese government bonds and foreign bonds.」

    At the end of the third quarter, deposits and other deposits, loans and securities increased from the previous year-end, while borrowings decreased by ¥189.360 billion due to the repayment of borrowings from the Bank of Japan.
  9. FY2023-Q1Updated the main account balances for the first quarter.Annual report

    「The main account balances were as follows. Deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.695246 trillion, up ¥96.987 billion from the end of the previous consolidated fiscal year, as they increased mainly through personal deposits due to a higher propensity to save resulting from the spread of COVID-19 and other factors. Loans totaled ¥1.799269 trillion, down ¥5.144 billion, as the increase in personal lending, particularly housing loans, was outweighed by a decrease in corporate loan balances due to repayments from surplus funds and other factors. Securities totaled ¥362.579 billion, down ¥1.599 billion, due to redemptions of Japanese government bonds.」

    At the end of the first quarter, deposits and other deposits increased by ¥96.987 billion, while loans decreased by ¥5.144 billion and securities by ¥1.599 billion.
  10. FY2022Updated with full-year balancesAnnual report

    「The balance of deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.598259 trillion at the end of the period, up ¥119.052 billion from the end of the previous consolidated fiscal year, as it increased mainly through personal deposits due to a higher propensity to save resulting from the spread of COVID-19 and other factors. The balance of loans totaled ¥1.804414 trillion, up ¥25.523 billion, as personal lending, particularly housing loans, remained strong and lending to local governments also increased. Securities totaled ¥364.179 billion, up ¥31.131 billion, due to acquisitions of local government bonds and other securities.」

    At the end of the fiscal year, deposits and other deposits, loans and securities all increased from the previous year-end.
  11. FY2022-Q3Updated with Q3 balancesAnnual report

    「The main account balances were as follows. Deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.563051 trillion, up ¥83.844 billion from the end of the previous consolidated fiscal year, as they increased mainly through personal deposits due to a higher propensity to save resulting from the spread of COVID-19 and other factors. Loans totaled ¥1.809201 trillion, up ¥30.310 billion, due to increases centered on housing loans and other loans. Securities totaled ¥350.928 billion, up ¥17.880 billion, due to acquisitions of bonds, mainly local government bonds.」

    At the end of the third quarter, deposits and other deposits, loans and securities all increased from the previous year-end. The increases were driven by personal deposits for deposits and other deposits, housing loans and other loans for loans, and acquisitions of bonds, mainly local government bonds, for securities.
  12. FY2022-Q2Updated with interim balancesAnnual report

    「The main account balances were as follows. Deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.527746 trillion, up ¥48.539 billion from the end of the previous consolidated fiscal year, as they increased mainly through personal deposits due to the special fixed-amount benefit payments, a higher propensity to save resulting from the spread of COVID-19 and other factors. Loans totaled ¥1.800290 trillion, up ¥21.399 billion, due to increases in loans to local governments and housing loans. Securities totaled ¥330.595 billion, down ¥2.451 billion, due to sales and redemptions of bonds and other securities.」

    At the end of the interim period, deposits and other deposits and loans increased, while securities decreased due to sales and redemptions of bonds and other securities.
  13. FY2022-Q1Updated the main account balances for the first quarter.Annual report

    「The main account balances were as follows. Deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.545561 trillion, up ¥66.354 billion from the end of the previous consolidated fiscal year, as they increased mainly through personal deposits due to the special fixed-amount benefit payments, a higher propensity to save resulting from the spread of COVID-19 and other factors. Loans totaled ¥1.786129 trillion, up ¥7.238 billion, due to funds for responding to the pandemic to support businesses' working capital and other factors. Securities totaled ¥325.804 billion, down ¥7.243 billion, due to sales and redemptions of bonds and other securities.」

    At the end of the first quarter, deposits and other deposits and loans increased, while securities decreased due to sales and redemptions of bonds and other securities.
  14. FY2021Updated with full-year balancesAnnual report

    「The main account balances were as follows. Deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.479207 trillion, up ¥234.831 billion from the end of the previous consolidated fiscal year, due to the special fixed-amount benefit payments and a higher propensity to save resulting from the spread of COVID-19. Loans totaled ¥1.778890 trillion, up ¥55.357 billion, due to increases centered on funds for responding to the pandemic to support businesses' working capital and housing loans. Securities totaled ¥333.047 billion, up ¥74.611 billion, due to acquisitions of local government bonds and other securities.」

    At the end of the fiscal year, deposits and other deposits, loans and securities all increased from the previous year-end. The increases were driven by the special fixed-amount benefit payments and a higher propensity to save for deposits and other deposits, funds for responding to the pandemic and housing loans for loans, and acquisitions of local government bonds for securities.
  15. FY2021-Q3Updated with Q3 balancesAnnual report

    「The main account balances were as follows. Deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.477346 trillion, up ¥232.971 billion from the end of the previous consolidated fiscal year, due to the special fixed-amount benefit payments, a higher propensity to save resulting from the spread of COVID-19 and other factors. Loans totaled ¥1.767157 trillion, up ¥43.624 billion, due to increases centered on funds for responding to the pandemic and housing loans. Securities totaled ¥328.230 billion, up ¥69.793 billion, due to acquisitions of local government bonds and other securities.」

    At the end of the third quarter, deposits and other deposits, loans and securities all increased from the previous year-end. The increases were driven by the special fixed-amount benefit payments and a higher propensity to save for deposits and other deposits, funds for responding to the pandemic and housing loans for loans, and acquisitions of local government bonds and other securities for securities.
  16. FY2021-Q2Updated with interim balancesAnnual report

    「The main account balances were as follows. Deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.443646 trillion, up ¥199.271 billion from the end of the previous consolidated fiscal year, due to the special fixed-amount benefit payments, a higher propensity to save resulting from the spread of COVID-19 and other factors. Loans totaled ¥1.754947 trillion, up ¥31.414 billion, due to increases centered on funds for responding to the pandemic and housing loans. Securities totaled ¥317.594 billion, up ¥59.158 billion, due to acquisitions of local government bonds and other securities.」

    At the end of the interim period, deposits and other deposits, loans and securities all increased from the previous year-end. The increases were driven by the special fixed-amount benefit payments and a higher propensity to save for deposits and other deposits, funds for responding to the pandemic and housing loans for loans, and acquisitions of local government bonds and other securities for securities.
  17. FY2021-Q1Updated with Q1 balancesAnnual report

    「The main account balances were as follows. Deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.445541 trillion, up ¥201.165 billion from the end of the previous consolidated fiscal year, as personal, corporate and public-sector deposits remained strong. Loans totaled ¥1.729131 trillion, up ¥5.598 billion, due to increases centered on funds for responding to the COVID-19 pandemic and housing loans. Securities totaled ¥313.223 billion, up ¥54.786 billion, due to acquisitions of local government bonds and other securities.」

    At the end of the first quarter, deposits and other deposits, loans and securities all increased from the previous year-end. The increases in loans and securities were driven by funds for responding to the pandemic and housing loans, and by acquisitions of local government bonds and other securities, respectively.
  18. FY2020-Q3Updated with Q3 balancesAnnual report

    「The main account balances were as follows. Deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.244784 trillion, up ¥59.117 billion from the end of the previous consolidated fiscal year, as personal deposits remained strong. Loans totaled ¥1.709853 trillion, up ¥10.993 billion, as housing loans and apartment loans remained strong. Securities totaled ¥332.040 billion, up ¥52.926 billion, due to acquisitions of bonds and other securities.」

    At the end of the third quarter, deposits and other deposits, loans and securities all increased from the previous year-end.
  19. FY2020-Q2Updated with interim balancesAnnual report

    「The main account balances were as follows. Deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.231234 trillion, up ¥45.566 billion from the end of the previous consolidated fiscal year, as personal deposits remained strong. Loans totaled ¥1.697824 trillion, down ¥1.035 billion, as strong lending, particularly housing loans, was outweighed by decreases in loans to local governments and corporate loans for construction working capital. Securities totaled ¥306.925 billion, up ¥27.811 billion, due to acquisitions of bonds and other securities.」

    At the end of the interim period, deposits and other deposits and securities increased, while loans decreased due to decreases in loans to local governments and corporate loans for construction working capital.
  20. FY2020-Q1Updated with Q1 balancesAnnual report

    「The main account balances were as follows. Deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.267222 trillion, up ¥81.554 billion from the end of the previous consolidated fiscal year, as public-sector and personal deposits remained strong. Loans totaled ¥1.690953 trillion, down ¥7.906 billion, as strong personal lending, particularly housing loans, was outweighed by decreases in loans to local governments and corporate loans for construction working capital. Securities totaled ¥281.808 billion, up ¥2.693 billion, as acquisitions of bonds and other securities outweighed decreases from ETF sales and other factors.」

    At the end of the first quarter, deposits and other deposits and securities increased from the previous year-end, while loans decreased by ¥7.906 billion due to decreases in loans to local governments and corporate loans.
  21. FY2019Updated with full-year balancesAnnual report

    「The main account balances were as follows. Deposits and other deposits, including negotiable certificates of deposit, totaled ¥2.185667 trillion, up ¥77.856 billion from the end of the previous consolidated fiscal year, as deposits from individuals and corporations remained strong. Loans totaled ¥1.698859 trillion, up ¥98.866 billion, as corporate loans remained strong, particularly equipment financing, and personal loans remained strong, particularly housing loans and apartment loans. Securities totaled ¥279.114 billion, down ¥128.730 billion, due to bond sales, redemptions and other factors.」

    At the end of the fiscal year, deposits and other deposits and loans increased from the previous year-end, while securities decreased significantly due to bond sales, redemptions and other factors.
  22. FY2019-Q3Updated with Q3 balancesAnnual report

    「Key accounts included deposits and other liabilities, including negotiable certificates of deposit, of ¥2,158,114 million, ¥5,030 million higher than at the end of the previous consolidated fiscal year, as individual and corporate deposits remained solid. Loans totaled ¥1,643,687 million, ¥4,369 million higher than at the end of the previous consolidated fiscal year, driven mainly by apartment loans. Securities totaled ¥330,568 million, ¥7,728 million lower than at the end of the previous consolidated fiscal year due to bond redemptions and other factors.」

    At the end of the third quarter, deposits and other deposits and loans increased from the end of the previous fiscal year, while securities decreased due to bond redemptions and other factors.
  23. FY2019-Q2Updated with interim balancesAnnual report

    「Key accounts included deposits and other liabilities, including negotiable certificates of deposit, of ¥2,180,174 million, ¥7,236 million higher than at the end of the previous consolidated fiscal year, as individual and corporate deposits remained solid. Loans totaled ¥1,629,380 million, ¥2,939 million higher than at the end of the previous consolidated fiscal year, driven mainly by housing loans and apartment loans. Securities totaled ¥359,143 million, ¥4,870 million lower than at the end of the previous consolidated fiscal year due to bond redemptions and other factors.」

    At the end of the interim period, deposits and other liabilities and loans increased from the previous year-end, while securities declined due to bond redemptions and other factors.
  24. FY2019-Q1Updated with Q1 balancesAnnual report

    「Key accounts included deposits and other liabilities, including negotiable certificates of deposit, of ¥2,156,508 million, an increase of ¥4,869 million from the end of the previous consolidated fiscal year, as individual and public-sector deposits remained solid. Loans totaled ¥1,599,935 million, a decrease of ¥58 million from the end of the previous consolidated fiscal year. Individual lending, particularly housing loans and apartment loans, remained solid, but corporate lending declined due to seasonal factors, including a decrease in loans for construction working capital. Securities totaled ¥358,156 million, a decrease of ¥4,969 million from the end of the previous consolidated fiscal year due to bond redemptions and other factors.」

    At the end of Q1, deposits and other liabilities increased, while loans were broadly flat but declined by ¥58 million, and securities declined by ¥4,969 million due to bond redemptions and other factors.
  25. FY2018Updated with full-year balancesAnnual report

    「Key accounts included deposits and other liabilities, including negotiable certificates of deposit, of ¥2,107,811 million, ¥6,998 million higher than at the end of the previous consolidated fiscal year, as individual deposits remained solid. Loans totaled ¥1,599,993 million, ¥8,887 million higher than at the end of the previous consolidated fiscal year, with individual lending, particularly housing loans and apartment loans, remaining solid. Securities totaled ¥407,845 million, ¥1,672 million lower than at the end of the previous consolidated fiscal year due to bond sales and other factors.」

    At the end of the full year, deposits and other liabilities and loans increased from the previous year-end, while securities declined due to bond sales and other factors.
  26. FY2018-Q3Updated with Q3 balancesAnnual report

    「Key accounts included deposits and other liabilities, including negotiable certificates of deposit, of ¥2,080,981 million, ¥4,316 million higher than at the end of the previous consolidated fiscal year, as individual and public-sector deposits remained solid. Loans totaled ¥1,550,524 million, ¥3,944 million higher than at the end of the previous consolidated fiscal year, driven mainly by housing loans and apartment loans. Securities totaled ¥360,403 million, ¥6,416 million lower than at the end of the previous consolidated fiscal year due to bond redemptions, sales and other factors.」

    At the end of Q3, deposits and other liabilities and loans increased from the previous year-end, while securities declined due to bond redemptions, sales and other factors.
  27. FY2018-Q2Updated with interim balancesAnnual report

    「Key accounts included deposits and other liabilities, including negotiable certificates of deposit, of ¥2,069,321 million, ¥3,150 million higher than at the end of the previous consolidated fiscal year, as individual and public-sector deposits remained solid. Loans totaled ¥1,529,296 million, ¥1,817 million higher than at the end of the previous consolidated fiscal year, driven mainly by housing loans and apartment loans. Securities totaled ¥362,968 million, ¥6,160 million lower than at the end of the previous consolidated fiscal year due to bond sales, redemptions and other factors.」

    At the end of the interim period, deposits and other liabilities and loans increased from the end of the previous consolidated fiscal year, while securities declined due to bond sales, redemptions and other factors.
  28. FY2017Updated with full-year balancesAnnual report

    「Key accounts included deposits and other liabilities, including negotiable certificates of deposit, of ¥2,037,823 million, ¥805 million higher than at the end of the previous consolidated fiscal year, as strong individual deposits more than offset the decline in public-sector deposits. Loans totaled ¥1,511,119 million, ¥6,414 million higher than at the end of the previous consolidated fiscal year, with individual lending, particularly housing loans and apartment loans, remaining solid. Securities totaled ¥424,568 million, ¥4,551 million lower than at the end of the previous consolidated fiscal year due to bond redemptions and other factors.」

    At the end of the full year, deposits and other liabilities and loans increased from the previous year-end, while securities declined due to bond redemptions and other factors.
  29. FY2017-Q3First statedAnnual report

    「Deposits and other liabilities, including negotiable certificates of deposit, totaled ¥2,020,312 million, ¥945 million lower than at the end of the previous consolidated fiscal year, as the decline in public-sector deposits offset the solid performance of individual and corporate deposits. Loans totaled ¥1,486,325 million, ¥3,934 million higher than at the end of the previous consolidated fiscal year, driven mainly by housing loans and apartment loans. Securities totaled ¥443,921 million, ¥2,618 million lower than at the end of the previous consolidated fiscal year due to bond redemptions and other factors.」

    The key accounts at the end of Q3 showed an increase in loans, while deposits and other liabilities and securities declined from the end of the previous consolidated fiscal year.
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Increase in Loans and Decline in Deposits and Securities | Bank of The Ryukyus,Limited (8399) | Komori