yen for the time being  Chart 8  Yield Curve Control 1.2 % 1.0 Target level of the long-term interest rate (10-year JGB yields): around zero percent  0.8 0.6 0.4  Short-term policy interest rate: minus 0.1 percent  0.2 0.0 -0.2 0  1  2  3  4  5  6  7  8  9  10  15  20  30  40  residual maturity, year  Chart 9  Net Profit Margins Member Banks of the Regional Banks Association of Japan 2.5  % Average contract interest rates on new loans and discounts (total) Overhead cost ratios  2  Net profit margins  1.5 1 0.5 0  -0.5 FY 2006  08  10  12  Sources: Bank of Japan; Regional Banks Association of Japan.
14  16  18  Chart 10  Credit Cost Ratios 0.8  %  Major banks Regional banks Shinkin banks  0.6  0.4  0.2  0.0  -0.2 FY 2006  08  Source: Bank of Japan. 10  12  14  16  18