\n\u003Cp>\u003Cstrong>\u003Cspan style=\"font-size: 18pt;\">個人預金\u003C/span>\u003C/strong>\u003C/p>\u003Cbr />\n\u003Cp>\u003Cstrong>③個人預金の都市部流出と現場のモチベーション低下\u003Cbr />\u003C/strong>\u003C/p>\u003Cbr />\n\u003Cp>地域銀行の個人預金の伸び悩みは、長年言われてきた営業エリアの人口減少によるものが大きい。三井住友信託銀行の「相続に伴う家計金融資産の地域間移動」によると、死亡数は2010年から増加しており、「年間の死亡数は、現在(2021年)の144万人から、ピーク時(2040年)には168万人まで増加する」見通し。これまでも人口減少や相続により地方から都心部への預金の流出はあったが、それ以上に地域住民の年金口座に振り込まれる預金の方が大きかったため、かつては「預金は自然体で1~2%の上昇」と言われていた。\u003C/p>\u003Cbr />\n\u003Cp>また、コロナ禍の政策支援による影響として、「法人預金にはゼロゼロ融資の資金が、個人預金には特別定額給付金が滞留し、残高はともに大幅に増加。苦労して個人預金を取りに行くモチベーションが低下した」(大野英明信金中央金庫地域・中小企業研究所長)可能性も否めない。\u003C/p>\u003Cbr />\n\u003Cp>個人預金残高の前年同月末比増加率(図2)は23年3月末以降低下が鮮明で、第二地銀にその傾向が顕著に表れている。第二地銀合計の増加率は24年3月末0.8%増、25年3月末0.4%増と1%を割り込み、25年3月末は過半の銀行で前年同月末比で残高減となった。地銀の増加率も第二地銀と同様の推移をたどるが、営業エリア内でメインバンクの比率が高いことが副次的効果を得ている。その代表例が従業員の給与振込口座であり、企業とのつながりの強さがプラスに働いている。給振口座はそのまま家計のメイン口座となることが多く、地銀はそういった粘着性の高い個人預金を確保しやすい状況にあることから、伸び悩みの影響が比較的緩やかになっている。\u003C/p>\u003Cbr />\n\u003Cp>\u003Cimg class=\"aligncenter wp-image-332275\" src=\"https://img.nikkinonline.com/wp/wp-content/uploads/2025/10/図2-1.webp\" alt=\"\" width=\"800\" height=\"523\" />\u003C/p>\u003Cbr />\n\u003Cp> \u003C/p>\u003Cbr />\n\u003Cp>\u003Ca href=\"https://www.nikkin.co.jp/nikkindata.html\" target=\"_blank\" rel=\"noopener\">\u003Cimg class=\"aligncenter wp-image-330437 size-full\" src=\"https://img.nikkinonline.com/wp/wp-content/uploads/2025/10/記事内PRボタン-1.png\" alt=\"\" width=\"850\" height=\"229\" />\u003C/a>\u003C/p>\u003Cbr />\n\u003Cp> 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個人預金(2)","「ニッキンレポート」は1987年8月、「ニッキン投信情報」は1998年3月に創刊し、全国の金融機関のデータを収集している。決算短信、有価証券報告書、ディスクロージャーなど公開資料だけでなく、個別にアンケートを実施し、独自のデータベースを構築してきた。本連載企画では、これらを活用し、「21世紀金融」を読み解いていく。\r\n個人預金\r\n②個人預金比率、地銀・第二地銀が均衡へ\r\n\r\n1点目として注目したいのは、2025年3月末時点で地銀と第二地銀の個人預金比率の値に差がほとんどないことだ。帝国データバンクが実施する全国企業「メインバンク」動向調査では、全国シェアは都銀、都道府県単位では地銀が一部地域を除いてトップとなっている。メインバンクの比率が高い都銀、地銀、第二地銀の順番で、個人預金比率も低くなると考察していたが、直近のデータでは地銀と第二地銀が均衡している。事業者のメインバンクだから法人預金","%e3%83%87%e3%83%bc%e3%82%bf%e3%81%a7%e8%80%83%e3%81%88%e3%82%8b21%e4%b8%96%e7%b4%80%e9%87%91%e8%9e%8d%e3%80%80%e5%80%8b%e4%ba%ba%e9%a0%90%e9%87%91%ef%bc%882%ef%bc%89","2025-10-07T23:49:25.000000Z",{"src":108,"alt":109,"title":110},[202],{"term_taxonomy_id":114,"taxonomy":115,"term":203},{"term_id":114,"name":117,"slug":118,"term_group":9,"term_order":9},[205,207,209],{"term_taxonomy_id":36,"taxonomy":19,"term":206},{"term_id":36,"name":34,"slug":35,"term_group":9,"term_order":9},{"term_taxonomy_id":123,"taxonomy":19,"term":208},{"term_id":123,"name":125,"slug":126,"term_group":9,"term_order":9},{"term_taxonomy_id":48,"taxonomy":19,"term":210},{"term_id":48,"name":46,"slug":47,"term_group":9,"term_order":9},[212],{"term_taxonomy_id":72,"taxonomy":74,"term":213},{"term_id":72,"name":70,"slug":71,"term_group":9,"term_order":9},[],{"id":216,"title":217,"summary":218,"slug":219,"published_at":220,"image_url":106,"thumbnail_data":221,"image_caption":109,"report_flag":111,"toushin_flag":111,"journal_flag":111,"categories":222,"tags":225,"series":232,"back_number":235,"short_title":217,"post_type":133,"subscription":134,"is_show_feature_image":135,"paywall_character_count":136},330246,"データで考える21世紀金融 個人預金(1)","「ニッキンレポート」は1987年8月、「ニッキン投信情報」は1998年3月に創刊し、全国の金融機関のデータを収集している。決算短信、有価証券報告書、ディスクロージャーなど公開資料だけでなく、個別にアンケートを実施し、独自のデータベースを構築してきた。本連載企画では、これらを活用し、「21世紀金融」を読み解いていく。\r\n個人預金\r\n①個人預金比率の時代地図:2000~25年、業態別の変化\r\n銀行は、「お金」を必要とする企業への事業性融資や個人の住宅ローンなどに貸し出すが、その原資である預金の供給元も企業や個人だ。本企画の第1回テーマは、間接金融の原点である預金に着目し、とりわけ「個人預金」の残高と総預金に占める内訳についてデータをさかのぼっていきたい。\r\n全体像を把握するため、日本銀行調査統計局の「資金循環(速報)」を確認すると、2025年3月末の法人預金に相当する「民間非金融法人企業」の現","%e3%83%87%e3%83%bc%e3%82%bf%e3%81%a7%e8%80%83%e3%81%88%e3%82%8b21%e4%b8%96%e7%b4%80%e9%87%91%e8%9e%8d%e3%80%80%e5%80%8b%e4%ba%ba%e9%a0%90%e9%87%91%ef%bc%881%ef%bc%89","2025-10-03T00:43:27.000000Z",{"src":108,"alt":109,"title":110},[223],{"term_taxonomy_id":114,"taxonomy":115,"term":224},{"term_id":114,"name":117,"slug":118,"term_group":9,"term_order":9},[226,228,230],{"term_taxonomy_id":36,"taxonomy":19,"term":227},{"term_id":36,"name":34,"slug":35,"term_group":9,"term_order":9},{"term_taxonomy_id":123,"taxonomy":19,"term":229},{"term_id":123,"name":125,"slug":126,"term_group":9,"term_order":9},{"term_taxonomy_id":48,"taxonomy":19,"term":231},{"term_id":48,"name":46,"slug":47,"term_group":9,"term_order":9},[233],{"term_taxonomy_id":72,"taxonomy":74,"term":234},{"term_id":72,"name":70,"slug":71,"term_group":9,"term_order":9},[],{"id":237,"title":238,"summary":239,"slug":240,"published_at":241,"image_url":242,"thumbnail_data":243,"image_caption":109,"report_flag":111,"toushin_flag":111,"journal_flag":111,"categories":246,"tags":252,"series":259,"back_number":265,"short_title":266,"post_type":133,"subscription":267,"is_show_feature_image":135,"paywall_character_count":268},322507,"107行合計の流動性預金は1.2%増712兆2,770億円 流動性預金比率、地域銀首位は北洋銀83.0%","全国銀行107行(都銀5行、信託銀3行、SBI新生銀行、あおぞら銀行、地銀61行、第二地銀36行)の2025年3月期における預金残高(期中平均残高、譲渡性預金除く)は1,032兆9,655億円で、前年同期比21兆1,177億円増(2.0%)。このうち流動性預金は、712兆2,770億円で同8兆8,557億円増(1.2%)、定期性預金は287兆3,389億円で、同12兆3,053億円増(4.4%)だった。\r\n業態別にみると、都銀の預金合計は、563兆8,817億円で同12兆9,046億円増(2.3%)。うち流動性預金は405兆3,329億円で同2兆5,921億円増(0.6%)、定期性預金は134兆855億円で同10兆3,141億円増(8.3%)。地銀の預金合計は、330兆7,247億円で同4兆2,707億円増(1.3%)。うち流動性預金は239兆6,614億円で同5兆5,006億円増(2.3","107%e8%a1%8c%e5%90%88%e8%a8%88%e3%81%ae%e6%b5%81%e5%8b%95%e6%80%a7%e9%a0%90%e9%87%91%e3%81%af1-2%ef%bc%85%e5%a2%97712%e5%85%862770%e5%84%84%e5%86%86%e3%80%80%e6%b5%81%e5%8b%95%e6%80%a7%e9%a0%90","2025-09-14T19:50:35.000000Z","https://img.nikkinonline.com/wp/wp-content/uploads/2025/09/預金-2-1-scaled.webp",{"src":244,"alt":109,"title":245},"\u003Cimg src=\"https://img.nikkinonline.com/wp/wp-content/uploads/2025/09/預金-2-1-scaled.webp\" alt=\"\" title=\"預金 (2)\">","預金 (2)",[247],{"term_taxonomy_id":248,"taxonomy":115,"term":249},2426,{"term_id":248,"name":250,"slug":251,"term_group":9,"term_order":9},"決算関連資料","settlement",[253,255,257],{"term_taxonomy_id":36,"taxonomy":19,"term":254},{"term_id":36,"name":34,"slug":35,"term_group":9,"term_order":9},{"term_taxonomy_id":123,"taxonomy":19,"term":256},{"term_id":123,"name":125,"slug":126,"term_group":9,"term_order":9},{"term_taxonomy_id":48,"taxonomy":19,"term":258},{"term_id":48,"name":46,"slug":47,"term_group":9,"term_order":9},[260],{"term_taxonomy_id":261,"taxonomy":74,"term":262},2500,{"term_id":261,"name":263,"slug":264,"term_group":9,"term_order":9},"預金の種類別平均残高・構成比","dep_type_avg_ratio",[],"107行合計の流動性預金は1.2%増712兆2,770億円 流動性預金比率、地域銀首位は北洋銀83....","3","200",{"id":270,"title":271,"summary":272,"slug":273,"published_at":274,"image_url":275,"thumbnail_data":276,"image_caption":109,"report_flag":111,"toushin_flag":111,"journal_flag":111,"categories":278,"tags":281,"series":293,"back_number":299,"short_title":271,"post_type":133,"subscription":267,"is_show_feature_image":135,"paywall_character_count":300},319689,"107行合計は0.8%増の533兆5,409億円 58行で残高増、個人預金比率は44行で上昇","全国銀行107行(都銀5行、信託銀3行、SBI新生銀行、あおぞら銀行、地銀61行、第二地銀36行)の2025年3月末における個人預金残高(単体ベース。決算短信およびディスクロージャー誌より作成)は、前年同月末比4兆2,566億円増(0.8%)の533兆5,409億円だった。\r\n各業態の合計残高は、都銀が同2兆6,344億円増(1.1%)の227兆9,536億円、地銀が同1兆302億円増(0.4%)の224兆8,611億円、第二地銀が同1,748億増(0.3%)の47兆4,799億円。\r\n各業態で前年同月末比の増加率が最も高かった銀行は、都銀が三井住友銀行の2.3%増。地銀が横浜銀行の3.2%増、続いて、山形銀行の2.4%増、北国銀行が1.8%増。第二地銀は西京銀行が11.4%増、島根銀行が11.2%増、東京スター銀行が5.6%台と続く(表1)。\r\n \r\n\r\n \r\n個人預","107%e8%a1%8c%e5%90%88%e8%a8%88%e3%81%af0-8%ef%bc%85%e5%a2%97%e3%81%ae533%e5%85%865409%e5%84%84%e5%86%86-%e3%80%8058%e8%a1%8c%e3%81%a7%e6%ae%8b%e9%ab%98%e5%a2%97%e3%80%81%e5%80%8b%e4%ba%ba%e9%a0%90","2025-09-07T19:50:49.000000Z","https://img.nikkinonline.com/wp/wp-content/uploads/2025/09/預金-2-scaled.webp",{"src":277,"alt":109,"title":245},"\u003Cimg src=\"https://img.nikkinonline.com/wp/wp-content/uploads/2025/09/預金-2-scaled.webp\" alt=\"\" title=\"預金 (2)\">",[279],{"term_taxonomy_id":248,"taxonomy":115,"term":280},{"term_id":248,"name":250,"slug":251,"term_group":9,"term_order":9},[282,284,286,291],{"term_taxonomy_id":36,"taxonomy":19,"term":283},{"term_id":36,"name":34,"slug":35,"term_group":9,"term_order":9},{"term_taxonomy_id":123,"taxonomy":19,"term":285},{"term_id":123,"name":125,"slug":126,"term_group":9,"term_order":9},{"term_taxonomy_id":287,"taxonomy":19,"term":288},2431,{"term_id":287,"name":289,"slug":290,"term_group":9,"term_order":9},"決算","financial-results",{"term_taxonomy_id":48,"taxonomy":19,"term":292},{"term_id":48,"name":46,"slug":47,"term_group":9,"term_order":9},[294],{"term_taxonomy_id":295,"taxonomy":74,"term":296},2495,{"term_id":295,"name":297,"slug":298,"term_group":9,"term_order":9},"個人預金残高","personal_deposit_bal",[],"300",{"id":302,"title":303,"summary":304,"slug":305,"published_at":306,"image_url":307,"thumbnail_data":308,"image_caption":109,"report_flag":111,"toushin_flag":111,"journal_flag":111,"categories":311,"tags":314,"series":321,"back_number":327,"short_title":303,"post_type":133,"subscription":267,"is_show_feature_image":135,"paywall_character_count":328},308705,"全国銀行99行の投信比率、2.66%に 銀行は大東銀、信金は埼玉県信金が投信比率トップ","全国銀行99行(都銀5行、信託銀3行、地銀56行、第二地銀33行、ソニー銀行、あおぞら銀行)および大手信金117機関(原則、2025年3月末預金残高3,000億円以上)、大手信組(同2,000億円以上)の25年3月末における預金残高に対する投資信託と、国債の預かり資産残高比率(投信比率、国債比率)を算出した(投資信託預かり資産残高は「ニッキン投信情報」調べによる)。\r\n<預金残高に対する投信残高比率>\r\n99行の25年3月末預金残高合計は、前年同月末比15兆1,759億円増加(1.31%)の1,169兆2,883億円だった。全国銀行の投信預かり資産残高合計は31兆1,807億円で、預金に対する比率(投信比率)は2.66%。前年同月末比で0.10ポイント(p)上昇した。業態別に見ると、都銀5行の投信比率は前年同月末比0.07p上昇して1.73%、信託銀3行は同0.08p上昇の4.18%、地銀","%e5%85%a8%e5%9b%bd%e9%8a%80%e8%a1%8c99%e8%a1%8c%e3%81%ae%e6%8a%95%e4%bf%a1%e6%af%94%e7%8e%87%e3%80%812-66%ef%bc%85%e3%81%ab%e9%8a%80%e8%a1%8c%e3%81%af%e5%a4%a7%e6%9d%b1%e9%8a%80%e3%80%81%e4%bf%a1","2025-08-03T19:50:00.000000Z","https://img.nikkinonline.com/wp/wp-content/uploads/2025/08/2_預金残高に対する預かり資産残高比率_全国銀行、大手信金・信組-2025年3月末.webp",{"src":309,"alt":109,"title":310},"\u003Cimg src=\"https://img.nikkinonline.com/wp/wp-content/uploads/2025/08/2_預金残高に対する預かり資産残高比率_全国銀行、大手信金・信組-2025年3月末.webp\" alt=\"\" title=\"2_預金残高に対する預かり資産残高比率_全国銀行、大手信金・信組 2025年3月末\">","2_預金残高に対する預かり資産残高比率_全国銀行、大手信金・信組 2025年3月末",[312],{"term_taxonomy_id":248,"taxonomy":115,"term":313},{"term_id":248,"name":250,"slug":251,"term_group":9,"term_order":9},[315,317,319],{"term_taxonomy_id":36,"taxonomy":19,"term":316},{"term_id":36,"name":34,"slug":35,"term_group":9,"term_order":9},{"term_taxonomy_id":123,"taxonomy":19,"term":318},{"term_id":123,"name":125,"slug":126,"term_group":9,"term_order":9},{"term_taxonomy_id":48,"taxonomy":19,"term":320},{"term_id":48,"name":46,"slug":47,"term_group":9,"term_order":9},[322],{"term_taxonomy_id":323,"taxonomy":74,"term":324},2473,{"term_id":323,"name":325,"slug":326,"term_group":9,"term_order":9},"預金残高に対する預かり資産残高比率","dep_balance_asset_ratio",[],"350",{"id":330,"title":331,"summary":332,"slug":333,"published_at":334,"image_url":335,"thumbnail_data":336,"image_caption":109,"report_flag":111,"toushin_flag":111,"journal_flag":111,"categories":339,"tags":345,"series":352,"back_number":358,"short_title":331,"post_type":133,"subscription":267,"is_show_feature_image":135,"paywall_character_count":268},308670,"28行が円・外貨定期預金に優遇金利 第二地銀、地域活性化を支援する定期も","大手行やインターネット専業銀行、第二地方銀行が展開している夏のキャンペーンを特集する(6月30日現在)。大手銀行等18行、第二地方銀行26行が実施するキャンペーンについて、各行ホームページで調査した内容を一覧にした。\r\n2024年春の日本銀行の金融政策の転換を受けて、貸出で運用する原資としての預金の重要性に再び脚光を浴びている。期間限定の特別金利優遇金利をつけて円定期預金、外貨定期預金の推進に取り組む銀行は28行にのぼった。一方、少額投資非課税制度(NISA)や投資信託を期間限定キャンペーンの対象にしたのは大手行では三井住友銀行、りそな銀行など少数派だった。\r\n各行のキャンペーン内容を、特典の面から大別すると、最も多かったのは金利優遇の円定期預金、外貨定期預金を扱う28行。現金のプレゼントや手数料のキャッシュバックを実施したのは19行、ポイントの付与を実施する機関数は9行だった。三菱UFJ","28%e8%a1%8c%e3%81%8c%e5%86%86%e3%83%bb%e5%a4%96%e8%b2%a8%e5%ae%9a%e6%9c%9f%e9%a0%90%e9%87%91%e3%81%ab%e5%84%aa%e9%81%87%e9%87%91%e5%88%a9%e7%ac%ac%e4%ba%8c%e5%9c%b0%e9%8a%80%e3%80%81%e5%9c%b0%e5%9f%9f","2025-07-06T19:50:00.000000Z","https://img.nikkinonline.com/wp/wp-content/uploads/2025/07/トップ4.png",{"src":337,"alt":109,"title":338},"\u003Cimg src=\"https://img.nikkinonline.com/wp/wp-content/uploads/2025/07/トップ4.png\" alt=\"\" title=\"トップ4\">","トップ4",[340],{"term_taxonomy_id":341,"taxonomy":115,"term":342},2453,{"term_id":341,"name":343,"slug":344,"term_group":9,"term_order":9},"キャンペーン等実施状況","campaign",[346,348,350],{"term_taxonomy_id":36,"taxonomy":19,"term":347},{"term_id":36,"name":34,"slug":35,"term_group":9,"term_order":9},{"term_taxonomy_id":123,"taxonomy":19,"term":349},{"term_id":123,"name":125,"slug":126,"term_group":9,"term_order":9},{"term_taxonomy_id":48,"taxonomy":19,"term":351},{"term_id":48,"name":46,"slug":47,"term_group":9,"term_order":9},[353],{"term_taxonomy_id":354,"taxonomy":74,"term":355},2451,{"term_id":354,"name":356,"slug":357,"term_group":9,"term_order":9},"夏のキャンペーン","summe-camp",[],{"id":360,"title":361,"summary":362,"slug":363,"published_at":364,"image_url":365,"thumbnail_data":366,"image_caption":109,"report_flag":111,"toushin_flag":111,"journal_flag":111,"categories":369,"tags":372,"series":379,"back_number":385,"short_title":386,"post_type":133,"subscription":267,"is_show_feature_image":135,"paywall_character_count":136},308511,"109行合計の流動性預金比率は0.1p低下69.3% 北洋銀の流動性預金比率、0.7p上昇し83.0%で首位","全国銀行109行(都銀5行、信託銀3行、SBI新生銀行、あおぞら銀行、地銀62行、第二地銀37行)の2024年4~9月期における預金残高(期中平均残高。譲渡性預金除く)は、前年同期比23兆5,741億円増 (2.3%) の1,031兆872億円。このうち流動性預金は、同14兆8,378億円増(2.1%) の714兆8,316億円で、定期性預金は同10兆700億円増(3.6%) の283兆2,196億円だった。 \r\n\r\n流動性預金残高を前年同期と比較すると、大手行等は8行で増加し、前年同期比増加率が最も高かったのは、みずほ信託銀行の17.4%増(同1,165億円増、7,831億円)。 同様に、地域銀99行では、流動性預金が94行で増加し、4行で減少、1行は横ばいだった。 最も増加率が高かったのは島根銀行の14.7%増(同337億円増、2,631億円) (表1)。 \r\n\r\n\r\n\r\n北国銀行の9","109%e8%a1%8c%e5%90%88%e8%a8%88%e3%81%ae%e6%b5%81%e5%8b%95%e6%80%a7%e9%a0%90%e9%87%91%e6%af%94%e7%8e%87%e3%81%af0-1p%e4%bd%8e%e4%b8%8b69-3-%e5%8c%97%e6%b4%8b%e9%8a%80%e3%81%ae%e6%b5%81%e5%8b%95","2025-03-23T19:50:00.000000Z","https://img.nikkinonline.com/wp/wp-content/uploads/2025/03/12_預金の種類別平均残高_全国銀行、2024年49月期.webp",{"src":367,"alt":109,"title":368},"\u003Cimg src=\"https://img.nikkinonline.com/wp/wp-content/uploads/2025/03/12_預金の種類別平均残高_全国銀行、2024年49月期.webp\" alt=\"\" title=\"12_預金の種類別平均残高_全国銀行、2024年4~9月期\">","12_預金の種類別平均残高_全国銀行、2024年4~9月期",[370],{"term_taxonomy_id":248,"taxonomy":115,"term":371},{"term_id":248,"name":250,"slug":251,"term_group":9,"term_order":9},[373,375,377],{"term_taxonomy_id":36,"taxonomy":19,"term":374},{"term_id":36,"name":34,"slug":35,"term_group":9,"term_order":9},{"term_taxonomy_id":123,"taxonomy":19,"term":376},{"term_id":123,"name":125,"slug":126,"term_group":9,"term_order":9},{"term_taxonomy_id":48,"taxonomy":19,"term":378},{"term_id":48,"name":46,"slug":47,"term_group":9,"term_order":9},[380],{"term_taxonomy_id":381,"taxonomy":74,"term":382},2570,{"term_id":381,"name":383,"slug":384,"term_group":9,"term_order":9},"預金の種類別平均残高","dep_type_avg_bal",[],"109行合計の流動性預金比率は0.1p低下69.3% 北洋銀の流動性預金比率、0.7p上昇し83.0...",{"id":388,"title":389,"summary":390,"slug":391,"published_at":364,"image_url":392,"thumbnail_data":393,"image_caption":109,"report_flag":111,"toushin_flag":111,"journal_flag":111,"categories":396,"tags":399,"series":406,"back_number":412,"short_title":389,"post_type":133,"subscription":267,"is_show_feature_image":135,"paywall_character_count":136},308517,"現金還元は71行中49行が実施 抽選で10万円、福井、大分、あいち銀が贈呈","全国銀行71行(大手行等10行、地銀39行、第二地銀22行) が展開している「口座開設・給与振込キャンペーン」をまとめた (25年3月調査)。 各行のホームページに掲載のキャンペーンについて、提供内容や応募条件を一覧表 (31~42頁) にした。\r\n\r\n同キャンペーンの実施行は前回調査 (24年3月)から4行増えて71行だった。 特に、第二地銀が6行増の22行となった。\r\n\r\nキャンペーンの内容を大別すると、①現金贈呈(キャッシュバックを含む)、②商品券や各種ポイントの付与、③金融サービスの優遇 (ATM手数料など)、④グッズ贈呈 (家電やチケットなど) の4種類。 それぞれの実施数(重複あり)は、現金が49行(前回比+1)、商品券・ポイントは21行(同+3)、金融サービスの優遇は1行(同変わらず)、グッズが3行 (同▲2) となった。 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