In terms of value, while lending increased by 30 trillion yen, deposits rose by 60 trillion yen, exceeding the increase in lending by 30 trillion yen.
Financial institutions invest such excess deposits in, for example, treasury discount bills (T-Bills) or current account deposits at the Bank, but their  Estimated by using financial institutions' average contract interest rates on new loans and discounts (0.78 percent) and overhead cost ratios in the domestic business sector (0.80 percent; compiled by the Regional Banks Association of Japan).