社団法人　全国地方銀行協会

■Outline of Regional Banks

The 64 regional banks in Japan consistently enjoy wide patronage from customers as banks that develop in step with the region. On an ongoing quest to be trusted financial institutions, the regional banks will strive to maintain soundness of management, as well as proceed to be devoted to enhancing convenience for customers in the regions and to realizing vibrant regional communities.

■Leading Banks in the Regions

The regional banks have formed a dense branch network in the regions, mainly in the prefectures where their head offices are located, with some 7,500 branches and some 35,000 ATMs set up all over the country. Through this branch network, the regional banks cater to the diversified financial needs of individual customers as well as medium-sized and small- and medium-sized corporate clients in the regions, and also play a leading role in regional finance for the promotion and development of regional communities.

　　　　　　　(Notes) 1. Source: Regional Banks Association of Japan
　　　　　　　　　　　　 2. As of the end of March 2009
　　　　　　　　　　　　 3. The figures are rounded off

■Maintaining and Securing Sound Management

The regional banks receive deep-seated trust from customers because regional banks are based on sound management cultivated over their long history of management. The regional banks are dedicated to ensuring thorough management based on self-responsibility by working to promote further streamlining and efficiency of all aspects of management so as to be fully capable of responding to changes in the management environment and diversification of customer needs.

■Financial Network of Regional Banks

The regional banks are committed to increasingly enhancing convenience for customers in the regions by cooperating and partnering with one another to form a nationwide financial network.

	“Regional Banks in Japan /Regional Banks Directory”*
	* Right click and choose “Save As” for download the file.

■Data for Each Bank 　　 (compiled based on kessan tanshin (financial reports), etc.)
	Summary (1) Deposits, loans and bills discounted, securities, capital stock, and asset totals
	Summary (2) Income and losses, and capital adequacy ratios
	Loans and Bills Discounted (1) (Risk-Monitored Loans) Loans to borrowers in legal bankruptcy, past due loans in arrears by 6 months or more, loans in arrears by 3 months or more and less than 6 months, and restructured loans
	Loans and Bills Discounted (2) (Loans Subject to Disclosure Under the Financial Reconstruction Law) Bankrupt and quasi-bankrupt assets, doubtful assets, and substandard loans
	Loans and Bills Discounted (3) Loans and bills discounted, allowance for loan losses, consumer loans, etc., and ratio of loans and bills discounted that are to SMEs, etc.
	* Right click and choose “Save As” for download the file.
(Note 1) "0" when less than the specified unit. Blank when such amount has not been released. "-" when there is no corresponding amount. (Note 2) Certain figures are shown after verification and adjustment by the Regional Banks Association of Japan due to differences in the units that banks release their figures in their kessan tanshin (financial reports) (including kessan setsumei shiryo (financial results briefing materials)).

The Regional Banks Association of Japan (Zenkoku Chiho Ginko Kyokai, or "Chiginkyo" for short, in Japanese) engages primarily in the following activities to address issues that member banks share.
1.	Hold meetings at president and a range of other levels of member banks for the exchange of views on the financial system, financial policy and key immediate tasks facing regional banks, among other topics, and provide advice to relevant parties as needed.
2.	Conduct research on new financial instruments and financial services that meet customer needs, as well as studies on measures to improve and streamline banking businesses for the promotion of increasingly efficient management.
3.	Survey, research, and gather and prepare materials on Japanese and overseas economic and financial trends and bank management.
4.	Organize and implement various types of education for the employees of member banks.
Location: 3-1-2 Uchikanda, Chiyoda-ku, Tokyo 101-8509 TEL: 03-3252-5171

Japanese>>


	All Rights Reserved,Copyright© REGIONAL BANKS ASSOCIATION OF JAPAN