Expansion of Deposits and Loans

「また、預金残高は、法人預金の減少等により、前年度末比95億円減少して１兆2,636億円(前年同期比217億円増加)となりました。一方、貸出金残高は、個人向け・事業者向けともに増加し、前年度末比86億円増加して１兆845億円(前年同期比294億円増加)となりました。」

「Deposits increased by ¥22.595 billion from the end of the previous fiscal year to ¥1.273226 trillion, mainly because time deposits increased. Consolidated loans increased by ¥17.762 billion from the end of the previous fiscal year to ¥1.075888 trillion, mainly because lending to businesses and personal loans increased. Securities increased by ¥2.979 billion from the end of the previous fiscal year to ¥158.745 billion, as the increase in government bonds and other factors outweighed the decrease in beneficiary certificates.」

「2026年３月末の預金残高は、法人預金が増加したこと等により、当期中に225億円増加して１兆2,732億円となりました。また、預り資産残高(預金、譲渡性預金、投資信託、公共債及び個人年金保険の合計)は、当期中に421億円増加して１兆4,711億円となりました。」

「The balance of assets under custody (the total of deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance) increased by ¥6.5 billion from the end of the previous fiscal year to ¥1.4355 trillion (up ¥12.4 billion year on year). Deposits decreased by ¥8.7 billion from the end of the previous fiscal year to ¥1.2418 trillion (down ¥5.0 billion year on year), mainly because both individual and corporate deposits decreased. The loan balance decreased by ¥3.1 billion from the end of the previous fiscal year to ¥1.055 trillion (up ¥16.5 billion year on year), as lending to businesses decreased mainly because of a decrease in zero-zero loans. The securities balance increased by ¥12.9 billion from the end of the previous fiscal year to ¥168.7 billion (up ¥11.2 billion year on year), mainly because government bond holdings increased.」

「Deposits increased by ¥18.1 billion during the period to ¥1.2506 trillion, mainly because both individual and corporate deposits increased. The balance of assets under custody (the total of deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance) increased by ¥21.7 billion during the period to ¥1.4289 trillion. The loan balance increased by ¥22.1 billion during the period to ¥1.0581 trillion, mainly because lending to individuals increased. The securities balance decreased by ¥2.5 billion during the period to ¥155.7 billion, as the decrease in foreign securities and other factors outweighed the increase in government bonds.」

「Deposits increased by ¥14.4 billion from the end of the previous fiscal year to ¥1.2469 trillion, up ¥47.2 billion year on year, as both personal and corporate deposits grew. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥15.7 billion from the end of the previous fiscal year to ¥1.423 trillion, up ¥55.8 billion year on year. Loans increased by ¥2.4 billion from the end of the previous fiscal year to ¥1.0384 trillion, up ¥23.7 billion year on year, mainly due to an increase in housing loans. Securities decreased by ¥0.8 billion from the end of the previous fiscal year to ¥157.4 billion, down ¥11.1 billion year on year.」

「Deposits increased by ¥19.870 billion from the end of the previous fiscal year to ¥1.232490 trillion, mainly due to an increase in liquid deposits. Through its business support activities, including promptly supplying necessary funds to corporate customers affected by the prolonged impact of COVID-19 and rising raw-material costs and working to understand their actual circumstances, loans increased by ¥19.669 billion from the end of the previous fiscal year to ¥1.035995 trillion.」

「Among the principal accounts, deposits decreased by ¥8.4 billion from the end of the previous fiscal year to ¥1.2041 trillion, down ¥13.6 billion year on year, as the increase in liquid deposits was more than offset by a decline in time deposits. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, decreased by ¥3.2 billion from the end of the previous fiscal year to ¥1.3748 trillion, down ¥2.9 billion year on year. Loans increased by ¥10.6 billion from the end of the previous fiscal year to ¥1.0269 trillion, up ¥20.0 billion year on year, due in part to increased lending to small and medium-sized enterprises and individuals. Securities decreased by ¥5.6 billion from the end of the previous fiscal year to ¥158.1 billion, down ¥11.5 billion year on year.」

「Deposits decreased by ¥12.9 billion from the end of the previous fiscal year to ¥1.1997 trillion, up ¥2.3 billion year on year, as time deposits declined. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, decreased by ¥10.9 billion from the end of the previous fiscal year to ¥1.3672 trillion, up ¥11.4 billion year on year. Loans decreased by ¥1.6 billion from the end of the previous fiscal year to ¥1.0146 trillion, up ¥14.1 billion year on year, due in part to a decrease in lending to small and medium-sized enterprises. Securities increased by ¥4.8 billion from the end of the previous fiscal year to ¥168.6 billion, down ¥1.9 billion year on year.」

「Deposits decreased by ¥16.3 billion from the end of the previous fiscal year to ¥1.1962 trillion, down ¥14.0 billion year on year. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, decreased by ¥13.1 billion from the end of the previous fiscal year to ¥1.365 trillion, down ¥2.5 billion year on year. Loans decreased by ¥6.6 billion from the end of the previous fiscal year to ¥1.0096 trillion, up ¥13.3 billion year on year. Securities increased by ¥1.7 billion from the end of the previous fiscal year to ¥165.5 billion, down ¥8.1 billion year on year.」

「Deposits increased by ¥6.953 billion from the end of the previous fiscal year to ¥1.212620 trillion, mainly due to an increase in liquid deposits. Through its business support activities, including promptly supplying necessary funds to corporate customers affected by the spread of COVID-19 and working to understand their actual circumstances, lending to small and medium-sized enterprises excluding market-based loans increased by ¥15.961 billion from the end of the previous fiscal year to ¥397.760 billion. Total loans increased by ¥23.147 billion to ¥1.016326 trillion.」

「Among the principal accounts, deposits increased by ¥12.2 billion from the end of the previous fiscal year to ¥1.2178 trillion, up ¥7.5 billion year on year, mainly due to an increase in liquid deposits. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥14.3 billion from the end of the previous fiscal year to ¥1.3777 trillion, up ¥11.5 billion year on year. Loans increased by ¥13.7 billion from the end of the previous fiscal year to ¥1.0069 trillion, up ¥16.5 billion year on year, due in part to increased lending to small and medium-sized enterprises. Securities increased by ¥2.4 billion from the end of the previous fiscal year to ¥169.6 billion, up ¥4.7 billion year on year.」

「Deposits decreased by ¥8.3 billion from the end of the previous fiscal year to ¥1.1973 trillion, down ¥7.9 billion year on year, as time deposits declined. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, decreased by ¥7.7 billion from the end of the previous fiscal year to ¥1.3557 trillion, down ¥1.0 billion year on year. Loans increased by ¥7.3 billion from the end of the previous fiscal year to ¥1.0005 trillion, up ¥12.4 billion year on year, due in part to increased lending to small and medium-sized enterprises. Securities increased by ¥3.3 billion from the end of the previous fiscal year to ¥170.6 billion, up ¥10.3 billion year on year.」

「Deposits increased by ¥4.7 billion from the end of the previous fiscal year to ¥1.2103 trillion, down ¥6.3 billion year on year, as liquid deposits grew. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥4.1 billion from the end of the previous fiscal year to ¥1.3675 trillion, up ¥2.3 billion year on year. Loans increased by ¥3.1 billion from the end of the previous fiscal year to ¥996.2 billion, up ¥11.6 billion year on year, mainly due to an increase in housing loans. Securities increased by ¥6.4 billion from the end of the previous fiscal year to ¥173.7 billion, up ¥8.5 billion year on year.」

「Deposits increased by ¥2.518 billion from the end of the previous fiscal year to ¥1.205666 trillion, mainly due to an increase in personal liquid deposits. Through its business support activities, including promptly supplying necessary funds to corporate customers affected by the spread of COVID-19 and working to understand their actual circumstances, lending to small and medium-sized enterprises excluding market-based loans increased by ¥9.342 billion from the end of the previous fiscal year to ¥381.798 billion. Total loans increased by ¥7.577 billion to ¥993.178 billion.」

「Among the principal accounts, deposits increased by ¥7.2 billion from the end of the previous fiscal year to ¥1.2103 trillion, up ¥13.5 billion year on year, mainly due to an increase in liquid deposits. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥21.9 billion from the end of the previous fiscal year to ¥1.3662 trillion, up ¥32.1 billion year on year. Loans increased by ¥4.8 billion from the end of the previous fiscal year to ¥990.4 billion, up ¥6.9 billion year on year, due in part to increased lending to small and medium-sized enterprises. Securities decreased by ¥2.9 billion from the end of the previous fiscal year to ¥164.9 billion, unchanged year on year.」

「Deposits increased by ¥2.1 billion from the end of the previous fiscal year to ¥1.2052 trillion, up ¥26.2 billion year on year, as liquid deposits grew. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥12.4 billion from the end of the previous fiscal year to ¥1.3567 trillion, up ¥42.4 billion year on year. Loans increased by ¥2.5 billion from the end of the previous fiscal year to ¥988.1 billion, up ¥17.1 billion year on year, due in part to increased lending to small and medium-sized enterprises. Securities decreased by ¥7.6 billion from the end of the previous fiscal year to ¥160.2 billion, down ¥7.4 billion year on year.」

「Among the principal accounts, deposits increased by ¥13.6 billion from the end of the previous fiscal year to ¥1.2167 trillion, up ¥32.1 billion year on year, as liquid deposits grew. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥20.9 billion from the end of the previous fiscal year to ¥1.3652 trillion, up ¥48.9 billion year on year. Loans decreased by ¥0.9 billion from the end of the previous fiscal year to ¥984.6 billion, up ¥20.1 billion year on year. Securities decreased by ¥2.7 billion from the end of the previous fiscal year to ¥165.1 billion, up ¥0.5 billion year on year.」

「Loans increased through proactive cash-flow support, including effectively interest-free financing, for corporate customers affected by the spread of COVID-19. Excluding market-based loans, lending to small and medium-sized enterprises increased by ¥37.159 billion from the end of the previous fiscal year to ¥372.455 billion, while total loans increased by ¥35.129 billion to ¥985.601 billion.」

「Among the principal accounts, deposits increased by ¥62.7 billion from the end of the previous fiscal year to ¥1.1968 trillion, up ¥58.1 billion year on year, mainly due to an increase in liquid deposits. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥75.0 billion from the end of the previous fiscal year to ¥1.3341 trillion, up ¥56.1 billion year on year. Loans increased by ¥32.9 billion from the end of the previous fiscal year to ¥983.4 billion, up ¥24.7 billion year on year, due in part to increased lending to small and medium-sized enterprises. Securities increased by ¥10.3 billion from the end of the previous fiscal year to ¥164.9 billion, up ¥16.9 billion year on year.」

「Among the principal accounts, deposits increased by ¥44.9 billion from the end of the previous fiscal year to ¥1.179 trillion, up ¥37.1 billion year on year, as liquid deposits grew. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥55.1 billion from the end of the previous fiscal year to ¥1.3143 trillion, up ¥31.8 billion year on year. Loans increased by ¥20.5 billion from the end of the previous fiscal year to ¥970.9 billion, up ¥10.2 billion year on year, due in part to increased lending to small and medium-sized enterprises. Securities increased by ¥13.0 billion from the end of the previous fiscal year to ¥167.6 billion, up ¥17.3 billion year on year.」

「Among the principal accounts, deposits increased by ¥50.5 billion during the first quarter to ¥1.1846 trillion, up ¥23.1 billion year on year, as liquid deposits grew. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥57.1 billion during the first quarter to ¥1.3162 trillion, up ¥12.8 billion year on year. Loans increased by ¥14.0 billion during the first quarter to ¥964.5 billion, up ¥1.5 billion year on year, due in part to increased lending in response to measures addressing COVID-19. Securities increased by ¥10.0 billion during the first quarter to ¥164.6 billion, up ¥3.5 billion year on year.」

「Loans decreased by ¥33.481 billion from the end of the previous fiscal year to ¥950.472 billion. This was due to planned portfolio improvements in anticipation of a low-interest-rate environment, including reductions in structured loans and other lending to large companies, as well as lending to local governments, which had been managed for policy purposes. Meanwhile, lending to small and medium-sized enterprises, an area of focus, increased by ¥8.757 billion from the end of the previous fiscal year to ¥335.296 billion.」

「Loans decreased by ¥25.2 billion from the end of the previous fiscal year to ¥958.7 billion, down ¥28.9 billion year on year, due to reductions in lending to large companies and local governments as part of improvements to the loan portfolio in light of prevailing interest rates and other factors. Lending to small and medium-sized enterprises, which the bank is actively pursuing, increased from the end of the previous fiscal year. Securities decreased by ¥38.8 billion from the end of the previous fiscal year to ¥147.9 billion, down ¥36.1 billion year on year.」

「Deposits increased by ¥2.8 billion from the end of the previous fiscal year to ¥1.1418 trillion, down ¥0.1 billion year on year, as liquid deposits grew. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, decreased by ¥5.0 billion from the end of the previous fiscal year to ¥1.2824 trillion, up ¥0.2 billion year on year. Loans decreased by ¥23.2 billion from the end of the previous fiscal year to ¥960.7 billion, down ¥22.1 billion year on year, due to declines in lending to large companies and local governments, although lending to small and medium-sized enterprises, which the bank is actively pursuing, increased from the end of the previous fiscal year. Securities decreased by ¥36.4 billion from the end of the previous fiscal year to ¥150.3 billion, down ¥56.7 billion year on year.」

「Deposits increased by ¥22.3 billion during the first quarter to ¥1.1614 trillion, up ¥29.2 billion year on year, as liquid deposits grew. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥15.9 billion during the first quarter to ¥1.3034 trillion, up ¥31.8 billion year on year. Although the bank actively pursued corporate lending and personal loans, loans decreased by ¥21.0 billion during the first quarter to ¥962.9 billion, down ¥15.0 billion year on year. Securities decreased by ¥25.6 billion during the first quarter to ¥161.1 billion, down ¥60.4 billion year on year.」

「Among the principal accounts, deposits at the end of March 2019 increased by ¥15.5 billion during the period to ¥1.139 trillion, as liquid deposits grew. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥31.0 billion during the period to ¥1.2875 trillion. Loans increased by ¥5.2 billion during the period to ¥983.9 billion, reflecting active efforts in corporate lending and personal loans.」

「Among the principal accounts, deposits increased by ¥9.4 billion from the end of the previous fiscal year to ¥1.133 trillion, up ¥9.2 billion year on year, mainly due to an increase in liquid deposits. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥9.5 billion from the end of the previous fiscal year to ¥1.266 trillion, down ¥7.8 billion year on year. Loans increased by ¥8.9 billion from the end of the previous fiscal year to ¥987.6 billion, up ¥11.7 billion year on year, reflecting active efforts in corporate lending and personal loans. Securities decreased by ¥43.4 billion from the end of the previous fiscal year to ¥184.1 billion, down ¥54.3 billion year on year.」

「Among the principal accounts, deposits increased by ¥18.5 billion from the end of the previous fiscal year to ¥1.142 trillion, up ¥30.3 billion year on year, as liquid deposits grew. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥25.7 billion from the end of the previous fiscal year to ¥1.2822 trillion, up ¥19.5 billion year on year. Loans increased by ¥4.2 billion from the end of the previous fiscal year to ¥982.9 billion, up ¥8.5 billion year on year, reflecting active efforts in corporate lending and personal loans. Securities decreased by ¥20.4 billion from the end of the previous fiscal year to ¥207.1 billion, down ¥46.5 billion year on year.」

「Among the principal accounts, deposits increased by ¥8.6 billion during the first quarter to ¥1.1322 trillion, up ¥19.0 billion year on year, as liquid deposits grew. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥15.1 billion during the first quarter to ¥1.2716 trillion, down ¥14.2 billion year on year. Although lending in Okayama Prefecture increased by ¥9.4 billion during the first quarter, lending outside the prefecture decreased by ¥10.0 billion, resulting in a ¥0.6 billion decrease in total loans to ¥977.9 billion, down ¥0.9 billion year on year. Securities decreased by ¥5.9 billion during the first quarter to ¥221.5 billion, down ¥56.0 billion year on year.」

「Among the principal accounts, deposits at the end of March 2018 increased by ¥20.9 billion during the period to ¥1.1235 trillion, as liquid deposits grew. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥14.4 billion during the period to ¥1.2565 trillion. Loans increased by ¥19.8 billion during the period to ¥978.6 billion, reflecting active efforts in corporate lending and personal loans.」

「Among the principal accounts, deposits increased by ¥21.2 billion from the end of the previous fiscal year to ¥1.1238 trillion, up ¥33.5 billion year on year, as liquid deposits grew. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥31.8 billion from the end of the previous fiscal year to ¥1.2738 trillion, up ¥24.9 billion year on year. Loans increased by ¥17.0 billion from the end of the previous fiscal year to ¥975.8 billion, up ¥14.5 billion year on year, reflecting active efforts in corporate lending and personal loans. Securities decreased by ¥41.2 billion from the end of the previous fiscal year to ¥238.4 billion, down ¥43.8 billion year on year.」

「Among the principal accounts, deposits increased by ¥9.1 billion from the end of the previous fiscal year to ¥1.1116 trillion, up ¥34.8 billion year on year, as liquid deposits grew. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥20.6 billion from the end of the previous fiscal year to ¥1.2626 trillion, up ¥38.2 billion year on year. Loans increased by ¥15.5 billion from the end of the previous fiscal year to ¥974.3 billion, up ¥37.4 billion year on year, reflecting active efforts in corporate lending and personal loans. Securities decreased by ¥26.0 billion from the end of the previous fiscal year to ¥253.6 billion, down ¥32.8 billion year on year.」

「Among the principal accounts, deposits increased by ¥10.5 billion during the first quarter to ¥1.1131 trillion, up ¥32.8 billion year on year, as liquid deposits grew. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥43.8 billion during the first quarter to ¥1.2858 trillion, up ¥51.8 billion year on year. Loans increased by ¥20.1 billion during the first quarter to ¥978.9 billion, up ¥56.8 billion year on year, reflecting active efforts in corporate lending and personal loans. Securities decreased by ¥2.1 billion during the first quarter to ¥277.6 billion, down ¥2.7 billion year on year.」

「Among the principal accounts, deposits at the end of March 2017 increased by ¥29.4 billion during the period to ¥1.1025 trillion, as both liquid and time deposits grew. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥37.3 billion during the period to ¥1.242 trillion. Loans increased by ¥30.7 billion during the period to ¥958.8 billion, reflecting active efforts in corporate lending and personal loans.」

「Among the principal accounts, deposits increased by ¥17.1 billion from the end of the previous fiscal year to ¥1.0902 trillion, up ¥27.6 billion year on year, as liquid deposits grew. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥44.1 billion from the end of the previous fiscal year to ¥1.2488 trillion, up ¥37.8 billion year on year. Loans increased by ¥33.1 billion from the end of the previous fiscal year to ¥961.2 billion, up ¥42.5 billion year on year, reflecting active efforts in corporate lending and personal loans. Securities increased by ¥4.4 billion from the end of the previous fiscal year to ¥282.3 billion, while decreasing by ¥1.0 billion year on year.」

「Among the principal accounts, deposits increased by ¥3.7 billion from the end of the previous fiscal year to ¥1.0768 trillion, up ¥33.5 billion year on year, as both liquid and time deposits grew. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥19.7 billion from the end of the previous fiscal year to ¥1.2243 trillion, up ¥43.9 billion year on year. Loans increased by ¥8.8 billion from the end of the previous fiscal year to ¥936.9 billion, up ¥39.8 billion year on year, reflecting active efforts in corporate lending and personal loans. Securities increased by ¥8.6 billion from the end of the previous fiscal year to ¥286.5 billion, up ¥18.9 billion year on year.」

「Deposits increased by ¥7.2 billion during the first quarter, as both liquid and time deposits grew, to ¥1.0802 trillion, up ¥30.7 billion year on year. Assets under custody, comprising deposits, negotiable certificates of deposit, investment trusts, public bonds and individual annuity insurance, increased by ¥29.3 billion during the first quarter to ¥1.234 trillion, up ¥45.6 billion year on year. Loans decreased by ¥5.9 billion during the first quarter to ¥922.1 billion, up ¥39.7 billion year on year, as the increase in personal loans and other lending was more than offset by a seasonally driven decline in business lending.」

「The balance of loans increased by ¥61.2 billion during the period to ¥928.1 billion, reflecting active efforts in corporate lending and personal loans.」