Kyusyu is best investing in Japan

Japan is a stratovolcanic archipelago consisting of about 6,852 islands. The four largest are Honshu, Hokkaido, Kyushu, and Shikoku

Tokyo Shoko Research

Survey on "114 banks deposit loan ratio" based on the fiscal year ended March 31, 2018 settlement account
http://www.tsr-net.co.jp/news/analysis/20180608_07.html

I wrote the points that I personally looked at by reading the above report.

The word of note of this time to read out is "deposit rate".

Ratio of deposit loan
The low deposit ratio indicates that the demand for funds in private companies is low. Banks are concerned about making loans of nonperforming loans, and making credit for small and medium enterprises and micro enterprises will also cause a decline in the deposit loan ratio.

In order for the economy to withdraw from deflation, it is key to companies to lend money to capital investment, etc. and to reinvigorate the economy by strengthening competitiveness, which is the key to raising the deposit ratio under such circumstances .

If the deposit ratio is low, banks will operate surplus funds with financial instruments such as government bonds, and conversely, if the deposit ratio exceeds 100%, the borrowing funds are borrowed.

It is a numerical value showing the ratio of loans (loans) to deposits of banks and is calculated as "loan ÷ (deposit + negotiable deposit) × 100 (%)".

In other words,

Deposit rate = Good, banks are profitable as banks are expensive.

Therefore, looking at the analysis of Tokyo Trucking Research this time.

The deposit ratio rises at about 70% of banks

Of the 114 rows, the lending rate rose by 77 rows (composition ratio 67.5%, the same period last year 75 rows) from the same period of the previous year, two more rows than the same period last year. The top rate of growth is 11.27 points higher than Bank of Kumamoto (79.65 → 90.92%). Next, Shimbashi Bank continues to rise by 6.32 points (74.90 → 81.22%), Mitsubishi UFJ Trust and Banking Increase by 5.80 points (67.87 → 73.67%), Nagasaki Bank 5.76 points rise (96.31 → 102.07%).

By district, the highest is 79.34% in Kyushu

Kumamoto Bank increased loans due to the recovery of borrowers affected by the Kumamoto earthquake. In the Shimizu Bank, loans increased, but the loan deposit ratio relatively increased due to a decrease in cash deposits.

On the other hand, the bank loan ratio declined from the same period last year, with 36 rows (31.5% in composition ratio, 39 rows in the previous year), one row.

By district, the highest is 79.34% in Kyushu

The deposit lending rate by district in the head office location, the highest rate is 79.34% of the 21 Kyushu regions where integrated regional and second regional integration collaboration is progressing. Next, 75.57% in Chubu 14, 75.15% in Nine Hokkaido, 74.94% in Hokkaido 2, 73.28% in Kinki 11, 72.05% in 19 of Kanto (excluding Tokyo), 71.20% in Shikoku 8, Hokuriku There are 70.78% for 6 rows, 63.38% for Tohoku 13 rows, and 58.94% for Tokyo 11 rows. In comparison with the same period of the previous year, the loan deposit ratio rose in 7 districts excluding Tokyo, Hokuriku, and Kinki, among 10 districts nationwide.

By business type, regional banks · second regional banks rise, major banks declined

The bank loan ratio by business category was 73.93% (72.92% in the same period of the previous year, up 1.01 points from the previous year), and the second regional bank 41 rows was 76.23% (75.06%, 1.17 points up). In contrast, 9 banks of major banks fell to 59.07% (61.43%, down 2.36 points from the same period of the previous year), lower than the same period of the previous year.

Of the regional banks of 64 banks, the deposit ratio rose from the same period of the previous year to 50 rows (composition ratio 78.1%), the decrease was 14 rows (21.8%), and the loan deposit rate rise line was about 80% . In the second regional bank 41, the rise was 26 rows (63.4%), the decrease was 14 rows (34.1%), the same rate was one row, and the second regional bank accounted for 60% of the increase in deposit ratio.

On the other hand, 9 rows of major banks have fallen rows by 8 rows, rising by one row, mostly falling bank loan rates. In the fiscal year ended March 2018 of major banks, total deposits rose 2.8% from the same period of the previous year, while total loans fell 1.0%, down from the same period of the previous year, and loans were sluggish.

The bank loan ratio (simple average) for the fiscal year ended March 31, 2018 for bank 114 was the lowest since 2011. However, the central value of the loan deposit ratio (the value in the middle of arranging the data in ascending or descending order and located in the middle) was 73.79% in the fiscal year ended March 2018 (0.84 points higher than the same period of the previous year), the tendency to raise the deposit ratio I can take it. Since the introduction of negative interest rates, regional banks and second regional banks are strengthening locally-based lending that can secure a certain level of profit while maintaining high risk, especially the expansion of loans for real estate and apartment loans is the driving force for the increase in the deposit ratio It was.

On the other hand, major banks formed a composition that lending slumped due to relaxation of the funding environment such as stocks and bond markets, in addition to improving the business performance of the major business partner companies, pushing down the overall ratio. In case

Thus, the bank's deposit-lending rate is "big" and the "regional silver · second regional silver" temperature difference is remarkable. In any case, it seems that there will be a halt in the decline in the ratio, but the demand for funds of large companies is not at a rebound stage, and it will take some time for the overall deposit rate to draw up the rising line.

In other words, the economy of Kyushu is considered to be the best in Japan,
Does the investee have a strategy of investing by locating and investing in rural areas from Tokyo?