To be sure, several important implementation issues still need to be worked out, but the focus on enhanced risk management in  BIS Review 17/2005  3  Basel II (especially in the advanced approaches) means that banking organizations should not view Basel II preparations with a checklist mentality.
The rate of increase was up 6.9 percent for all industries, including the financial industry, according to the September Tankan, 2/7  BIS central bankers' speeches  and up 11.2 percent for major firms in all industries, according to a survey conducted by the Development Bank of Japan. Let us turn to the household sector.