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May 30, 2025
Update:June 17,2025
Financial Services Agency
(Japanese version: published May 30, 2025)

Publication of "FSA Analytical Notes (2025.5) "

The FSA published the English version of "FSA Analytical Notes (2025.5) ". PDFfull text

As financial institutions’ business environments and profit structures change, it is important to understand economic and market trends based on data, and to accurately grasp the business conditions of individual financial institutions and also the resilience and vulnerabilities of the financial system as a whole. From this perspective, the FSA has been focusing on the utilization of granular data, such as transaction-level bank loan data and financial data on individual corporations. Some case examples of data analyses using such granular data are published as a series of reports titled “FSA Analytical Notes.”

This issue contains two analyses on: 1) Attempt to effectively utilize text data by applying AI technologies, and 2) Current trends in deposits under the increasing interest rate environment.

PDFAttempt to effectively utilize text data by applying AI technologies

This paper applies AI technologies, including large language models (LLMs), to analyze textual data from financial institutions’ disclosure publications. By extracting texts related to designated themes from large volumes of text, the analysis identifies institution-type-specific characteristics and time-series trends. Focusing on real estate and housing loans, the results reveal that key terms and descriptive patterns differ across institution types. The proposed approach is expected to offer more efficient information gathering and the early detection of emerging signals. Future efforts will continue to incorporate text data analysis into monitoring frameworks, while carefully considering the specific risks associated with AI. 

PDFCurrent trends in deposits under the increasing interest rate environment

This report analyzes the current trends in deposit balances and deposit interest rates under the increasing interest rate environment. While overall deposit balances are increasing, differences in growth rates are observed depending on institution type and deposit type. A positive correlation between deposit yields-particularly those influenced by deposit campaigns-and deposit balance growth are observed. The FSA will continue to analyze deposit trends in a timely manner, while capturing macroeconomic trends such as the interest rate environment and demographic shifts.

Enhancing the use of data in financial supervision and policy-making is a medium- to long-term agenda. The FSA will continue to build its data analysis capabilities and data infrastructure.

* Unless otherwise noted, the figures and tables in this report were prepared by the FSA.

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