yen  ↑ Net savings  40  20  0  -20  ↓ Net investments  -40  -60 FY 80  85  90  95  00  05  10  15  Note: Private non-financial corporations. Source: Bank of Japan.
Chart 13  Simulation of Medium- to Long-Term Bank Profits Net Income ROA  Share of Banks with Net Losses  [Domestic Regional Banks]  [Domestic Regional Banks]  %  0.5 0.4 0.3 0.2 0.1 0.0 -0.1 -0.2 -0.3 FY 06  100 Simulation  %  80 Simulation  60  40 Decreasing loan demand case Constant loan demand case 08  10  12  14  16  18  20  22  24  20  26  28  0 FY 06  08  10  [Domestic Shinkin Banks]  14  16  18  20  22  24  26  28  26  28  [Domestic Shinkin Banks]  %  0.5 0.4 0.3 0.2 0.1 0.0 -0.1 -0.2 -0.3 FY 06  12  100 Simulation  %  80  Simulation  60 40 20  08  10  Source: Bank of Japan.