This improvement was due mainly to banks’ efforts to reduce their risk-adjusted  1  2  3  4  5  “Japanese banks” refers to All Banks, comprising the member banks of the Federation of Bankers Associations of Japan (Zenginkyo), which consists of 10 city banks, three long-term credit banks, seven trust banks (excluding foreign-owned trust banks and trust banks that started business after October 1993), the 64 member banks of the Regional Banks Association of Japan (referred to as regional banks), and the 64 member banks of the Second Association of Regional Banks (excluding Hanwa Bank, which was liquidated in January 1998; referred to as regional banks II).
Figures in this report exclude data for Hokkaido Takushoku Bank, Tokuyo City Bank, and Kyoto Kyoei Bank.