tailieunhanh - 24,185 OUTLETS - The number of JApAN pOST BANk outlets in Japan

The ring-fencing model may make the universal bank riskier (in relation to total risk capital in the group) and less effective since the group’s ability to take benefit from diversified risks and internal synergies is reduced. Additionally the ring-fence approach would probably increase the capital needed within a banking group subject to the ring- fence, not least because the trading entity will need a high capital cushion in order to be able to attract funds. More capital may compensate for the higher risk level, but the capital will be used in a less efficient. | Special Feature The number of JAPAN POST BANK outlets in Japan 24 185 OUTLETS To be The Most Convenient and Trustworthy Bank in Japan JAPAN POST BANK has continued to make consistent efforts to fulfill its mission of being the most convenient and trustworthy bank in Japan . In today s challenging market environment JAPAN POST BANK is making the most of its strengths to fulfill that mission. JAPAN POST BANK Annual Report 2010 11 Special Feature Our Operating Environment Japan s retail financial market has two distinctive features. First the market is extremely large the total amount of individual financial assets is said to be the second largest in the world approximately 1 400 trillion. Second in comparison with other major countries cash and deposits account for a high proportion of individual financial assets more than 50 . Consequently Japan has the largest amount of cash and deposits in the world. Cash and deposits Insurance and pension B Securities excluding stocks Stocks and other equities Others Sources Bank of Japan Flow of Funds FRB Flow of Funds Account ONS United Kingdom Economic Accounts Deutsche Bundesbank Households financial assets and liabilities 1991-2008 Banque de France Financial Accounts Until a few years ago household assets in Japan had begun to shift from savings to investments and consequently the proportion of individual financial assets accounted for by risk assets such as equities and investment trusts began to increase. However against a background of uncertainty in financial markets from 2007 consumers became more risk averse and deposits began to increase once again. In Japan the ongoing trend toward a declining birthrate and an aging population is making it increasingly difficult to maintain the current public pension system there is a steadily growing recognition that individuals need to secure their own resources for retirement. Deposits continued to be the primary method of saving personal wealth. Household Assets in Japan TRILLION

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