In other words, the downward trend in coverage ratios since the beginning of the crisis (2007–08) has come to a halt. The intelligence gathered in the course of the review will also be used for the application of second-pillar capital add-ons. Our supervisory action continues.
Recent developments in balance of payments  Now, I will talk about Japan’s balance of payments. The current account surplus registered 3.3 trillion yen last year. In the years for which a comparison can be made, it was the lowest figure recorded after 1985 (Chart 6).