Financial institutions conduct asset liability management (ALM) in three steps. The first step is to gauge the degree of risks inherent in their assets and liabilities, including off-balance transactions. The second step is to reduce funding costs as well as streamline investment. The third step...

Net income for fiscal 2012 increased by around 30 percent at major banks and around 10 percent at regional banks relative to fiscal 2011, mainly because large gains on sales of bonds were recorded and tax-related expenses decreased. However, net interest income on loans and securities holdings,...

This paper summarizes the findings of the "Questionnaire Survey on Business Continuity Management" conducted in August-September 2012 (6th Survey).