I Yasuharu Suzuki / 1990 1 23 3 2011 6 10 105 106 2011 10 3 2 1951 3 6 204 2011 winter / No.390
II 1 63 42 105 1 2011 9 105 2 2 5 2 1 1872 153 3 20 1893 1949 1954 12 6 7 9 8 4 4 1,420 1926186 1941 194561 53 51883 31.59 20 200 1978p5 6 1949 1951 7 1955 1965 1968 19691984 2010 5 2011 10 3 8 92011 3 205
2 9 1989 10 3 13 11 1990 1994 364 2006 3472011 9 42 1 13 1994 3 2010 31,016 7,648 4 2006 3 269 9,377 12 212 6,910 57 2,467 26.5% 20.9% 5.6% 2005 3 2005 3 977 9,27838 8,3704.0% 25 144 10.2% 2.6% 2005 325.0% 26.5% 1.5% 2005 3 2010 3 4.7% 4.0% 91991 10 1951 11 1984 12( ) 2011 9 3 206 2011 winter / No.390
21.9% 16.5% 5.4% 2 2010 3 527 4,097 198 473 154 6,104 43 4,369 37.5% 29.3% 8.2% 2005 3 2005 3 491 6,56635 7,5317.3% 21 5,217 12.2% 4.4% 2005 335.9% 37.6% 1.7% 2005 3 2010 3 7.3% 12.2% 4.4% 43.4% 42.0% 1.4%12.6% 12.2% 0.4%1.9% 1.8% 0.1% 35.9% 37.6% 1.6% 2010 3 26.5%37.5% 5 7.3% 12.2% 4.4% III 1 1 2 4 7 2 5 2 2 HD MUFG 14 41 1964 13 2010 / 2011 p8,9 14 MUFG UFJ UFJ 65 MUFG HD 207
8 2010 7 1953 15 2 1989 21 3 1995 3 13 16 2 4 1995 2004 6 2006 42010 3 17 2 II.2. 3 2 4 18 3 4 15% 18% 2005 32010 3 1 32010 3171 9,140 34 2,772 26 8,768 7 4,004 19.9% 15.6% 4.3% 2005 3 2005 3169 7,448 2 1,6921.3% 4 571 13.4% 2.4% 2005 317.8% 19.9% 2.1% 15 2010 3 22.5 26.2 27.5 3.8 2.2 36.5 2011 16 1995 32011 9 2 4 10 3 208 2011 winter / No.390
209 2005 32010 3 24.9% 1.3%5.8% 23.2% 17.2% 6.0% 17.8% 19.9% 200525.0% 17.8% 201026.5%19.9% 10.2% 13.4% 200531.1%37.0% 2010 33.8%38.3% 13.2%4.9% 2 42010 3 79 5,942 26 425 19 9,851 6 574 32.7% 25.1% 7.6% 2005 3 2005 3 81 6,1402 198 2.5% 3 2,306 14.2% 4.0% 2005 3 28.0% 2010 332.7% 4.7% 2005 3 2010 3 7 17.0% 2 2.5% 12.2% 50.9% 43.3% 7.6% 28.0% 32.7% 4.7% 200535.9%28.0% 2010 37.6%32.7% 12.2%14.2% 2010 3 26.5%37.5% 5 1995 1995 17 182010 / 2011 p86 100
7.3% 12.2% 4.4% 3 19 1 38,99127,748 8 58,82239,420 164 28 10 No.1 32,70425,114 1225 13HD HD 43,57035,123 22HD21 26 26 19 2011 3 NCD 210 2011 winter / No.390
211 3 41,28027,203 64 33,64825,051 28 18HD 8,0036,349 30 2 37,78834,789 1126 11 16 22
2011/3 3,7703,137 1117 33 123 UFJ 20% 3,899,175 2,774,834 71.2% 5,882,282 3,942,082 67.0% 3,270,471 2,511,403 76.8% 4,357,005 3,512,391 80.6% 4,128,028 2,720,328 65.9% 3,364,810 2,505,135 74.5% 800,361 634,979 79.3% 3,778,825 3,478,912 92.1% 377,023 313,778 83.2% 2,701,669 2,195,975 81.3% 32,559,649 24,589,817 75.5% HP 27,01621,959 24 26 41 11 11TOB 4 1 1 212 2011 winter / No.390
213 2000 20 20052010 2 90 7 3 13 3 3 1999 2000 UFJ 3 4 1 20 2001 UFJ2006 UFJ
IV 2 1 1 1 MUFG MUFG 2 3 1994 2003 2006 2010 2011 http://www.fsa.go.jp/ http://www.chiginkyo.or.jp/ 214 2011 winter / No.390
http://www.dainichiginkyo.or.jp/ 21) 22) 1 3 2010/3a 2005/3b (a-b)/b 2010/3a 2005/3b (a-b)/b 3,440,177 33.8 3,040,267 31.1 13.2 659,043 38.3 628,113 37.0 4.9 2,699,377 26.5 2,449,233 25.0 10.2 342,772 19.9 302,201 17.8 13.4 ( ) 2,126,910 20.9 1,907,585 19.5 11.5 ( ) 268,768 15.6 232,194 13.7 15.8 (2 ) 572,467 5.6 541,648 5.5 5.7 (2 ) 74,004 4.3 70,007 4.1 5.7 1,174,304 11.5 1,074,304 11.0 9.3 236,473 13.8 209,516 12.3 12.9 167,467 1.6 156,095 1.6 7.3 30,668 1.8 26,241 1.5 16.9 162,576 1.6 141,293 1.4 15.1 18,338 1.1 15,442 0.9 18.8 844,774 8.3 776,687 7.9 8.8 135,724 7.9 121,406 7.2 11.8 1,678,974 16.5 2,141,399 21.9 21.6 296,122 17.2 394,529 23.2 24.9 10,167,648 100 9,779,278 100 4.0 1,719,140 100 1,697,448 100 1.3 16.9% 17.4% 2 4 2010/3c 2005/3d (c-d)/d 2010/3c 2005/3d (c-d)/d 2,216,248 42.0 2,135,755 43.4 3.8 344,882 43.3 415,501 50.9-17.0 1,980,473 37.6 1,765,256 35.9 12.2 260,425 32.7 228,119 28.0 14.2 ( ) 1,546,104 29.3 1,361,710 27.7 13.5 ( ) 199,851 25.1 170,690 20.9 17.1 (2 ) 434,369 8.2 403,546 8.2 7.6 (2 ) 60,574 7.6 57,429 7.0 5.5 641,534 12.2 621,138 12.6 3.3 130,801 16.4 121,981 14.9 7.2 94,212 1.8 91,721 1.9 2.7 17,077 2.1 14,807 1.8 15.3 114,481 2.2 94,888 1.9 20.6 12,681 1.6 10,450 1.3 21.3 227,148 4.3 207,808 4.2 9.3 30,076 3.8 25,282 3.1 19.0 5,274,097 100 4,916,566 100 7.3 795,942 100 816,140 100-2.5 15.1% 16.6% 212010 / 2011 p8,9 222010 / 2011 p86 100 215
216 2011 winter / No.390
Regional Banks in Kansai Yasuharu Suzuki Since the economic bubble burst in the early 1990s, Japanese financial institutions, which used to be able to earn profits with ease, have been going through significant changes in the business environment, including prolonged economic stagnation, deregulated financial markets and tightening of prudential regulations such as capital adequacy requirements. Unsurprisingly, those who run the institutions have been under pressure to change and exercise better business acumen. In addition, since the government can no longer afford to provide generous subsidies to bridge regional economic gaps, local economies have begun to grow (or slow down) at their own pace. So it is about time for each region s financial institutions whose business has been expanding in tandem with regional economic growth to develop and implement long-term business strategies while they and local economies still have the capacity for growth. In this paper, with the above-mentioned background in mind, I will take an overall look at what regional banks, especially those in the Kansai region, did and experienced, and how they are faring; I will then examine what distinguishes the Kansai-based regional banks. Regional Banks in Kansai Yasuharu Suzuki 217