0.4  Interest payments on deposits  3.0  2.5  chg. from FY2011 to 2017, % points  0.0 2.0  -0.4 -0.8  1.5 -1.2 1.0 FY11  Interest income on loans Interest income on securities, etc.
Gross operating profit ROAs  -1.6 12  13  14  15  16  17  Japan  Euro area  Switzerland  Note: Gross operating profits of Japanese banks include realized gains/losses on stockholdings to make them comparable with those of banks in other countries. Sources: S&P Global Market Intelligence; Bank of Japan. Sweden