Chart 16  Financial Institutions' Profitability Return on Equity Based on Pre-Provision Net Revenue Excluding Trading Income 16  % Major banks  14  Regional banks  12  Shinkin banks  10 8 6 4 2 0 FY00  03  06  09  12  15  18  21  Note: From fiscal 2012, profits and losses from investment trusts due to cancellations are excluded.
Nevertheless, we have only heard fine statements of principle, and hardly any reports on concrete agreements.