\n\u003Cp>\u003Cstrong>\u003Cspan style=\"font-size: 18pt;\">個人預金\u003C/span>\u003C/strong>\u003C/p>\u003Cbr />\n\u003Cp>\u003Cstrong>④法人預金をスポット獲得する地域銀\u003Cbr />\u003C/strong>\u003C/p>\u003Cbr />\n\u003Cp>一方、法人預金の伸長は、個人預金の伸び悩みへの対策ともいえる。規模の経済を働かせていた金融業界において、個人預金が伸び悩んでいるからといって、規模の重要指標である「預金残高」を減らすわけにはいかない。ニッキンレポートの「預金・貸出金・有価証券残高(単体)」によると、第二地銀は地銀よりも預貸率(図3)が高い傾向にある。特に預貸率90%前後の銀行にとっては、貸出金や運用の原資である預金の伸びが滞ったり、減ることは収益の減少に直結する。\u003C/p>\u003Cbr />\n\u003Cp>\u003Cimg class=\"aligncenter wp-image-333306\" src=\"https://img.nikkinonline.com/wp/wp-content/uploads/2025/10/図3.webp\" alt=\"\" width=\"800\" height=\"522\" />\u003C/p>\u003Cbr />\n\u003Cp>そこで、法人預金の獲得に注力する動きが広がる。法人は融資で複数の金融機関と取引していても、決済用の資金を集中するため預金はメイン銀行の口座に一本化していることが少なくなかった。しかし、預金減少時代となりサブ取引行も預金獲得を意識するようになり、スポットで法人預金の推進を行っている。\u003C/p>\u003Cbr />\n\u003Cp>富樫直記・TG Partners代表取締役パートナーは「一部の地銀、とりわけ第二地銀は、上乗せ金利を提示して大都市圏の大企業から定期預金を獲得しており、預金残高に占める法人預金の増加が目立っている」と話す。自然減に社会減も加わり人口減少が加速している高齢化率の高い地域のみならず、関西地区や東海地区など東京圏への人口流出とネット銀行などの預金獲得攻勢の激しい地域でも、その動きは活発である。決算の数値にその傾向が表れており、第二地銀合計の預金残高の前年同月末比は2024年3月末2.0%増、25年3月末4.2%増と、個人預金の前年同月末比増加率(24年3月末0.8%増、25年3月末0.3%増)を大きく上回っている。\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>",[140,144,148,152,155,159,162,166,169,173,177,181,185,189],{"meta_id":141,"post_id":102,"meta_key":142,"meta_value":143},7372798,"_edit_lock","1760945253:79",{"meta_id":145,"post_id":102,"meta_key":146,"meta_value":147},7372799,"_edit_last","79",{"meta_id":149,"post_id":102,"meta_key":150,"meta_value":151},7372800,"amazonS3_cache","a:38:{s:175:\"//img.nikkinonline.com/wp/wp-content/uploads/2025/10/%E6%A5%AD%E6%85%8B%E5%88%A5%E3%81%AE%E5%80%8B%E4%BA%BA%E9%A0%90%E9%87%91%E6%AF%94%E7%8E%87%E3%81%AE%E6%8E%A8%E7%A7%BB.webp\";a:2:{s:2:\"id\";i:330273;s:11:\"source_type\";s:13:\"media-library\";}s:175:\"//www.nikkinonline.com/wp/wp-content/uploads/2025/10/%E6%A5%AD%E6%85%8B%E5%88%A5%E3%81%AE%E5%80%8B%E4%BA%BA%E9%A0%90%E9%87%91%E6%AF%94%E7%8E%87%E3%81%AE%E6%8E%A8%E7%A7%BB.webp\";a:2:{s:2:\"id\";i:330273;s:11:\"source_type\";s:13:\"media-library\";}s:177:\"//img.nikkinonline.com/wp/wp-content/uploads/2025/10/%E6%A5%AD%E6%85%8B%E5%88%A5%E3%81%AE%E5%80%8B%E4%BA%BA%E9%A0%90%E9%87%91%E6%AF%94%E7%8E%87%E3%81%AE%E6%8E%A8%E7%A7%BB-1.webp\";a:2:{s:2:\"id\";i:330286;s:11:\"source_type\";s:13:\"media-library\";}s:177:\"//www.nikkinonline.com/wp/wp-content/uploads/2025/10/%E6%A5%AD%E6%85%8B%E5%88%A5%E3%81%AE%E5%80%8B%E4%BA%BA%E9%A0%90%E9%87%91%E6%AF%94%E7%8E%87%E3%81%AE%E6%8E%A8%E7%A7%BB-1.webp\";a:2:{s:2:\"id\";i:330286;s:11:\"source_type\";s:13:\"media-library\";}s:99:\"//www.nikkinonline.com/wp/wp-content/uploads/2025/10/業態別の個人預金比率の推移-1.webp\";a:2:{s:2:\"id\";i:330286;s:11:\"source_type\";s:13:\"media-library\";}s:99:\"//img.nikkinonline.com/wp/wp-content/uploads/2025/10/業態別の個人預金比率の推移-1.webp\";a:2:{s:2:\"id\";i:330286;s:11:\"source_type\";s:13:\"media-library\";}s:115:\"//img.nikkinonline.com/wp/wp-content/uploads/2025/10/%E8%A8%98%E4%BA%8B%E5%86%85PR%E3%83%9C%E3%82%BF%E3%83%B3-1.png\";a:2:{s:2:\"id\";i:330437;s:11:\"source_type\";s:13:\"media-library\";}s:115:\"//www.nikkinonline.com/wp/wp-content/uploads/2025/10/%E8%A8%98%E4%BA%8B%E5%86%85PR%E3%83%9C%E3%82%BF%E3%83%B3-1.png\";a:2:{s:2:\"id\";i:330437;s:11:\"source_type\";s:13:\"media-library\";}s:79:\"//www.nikkinonline.com/wp/wp-content/uploads/2025/10/記事内PRボタン-1.png\";a:2:{s:2:\"id\";i:330437;s:11:\"source_type\";s:13:\"media-library\";}s:79:\"//img.nikkinonline.com/wp/wp-content/uploads/2025/10/記事内PRボタン-1.png\";a:2:{s:2:\"id\";i:330437;s:11:\"source_type\";s:13:\"media-library\";}s:65:\"//www.nikkinonline.com/wp/wp-content/uploads/2025/10/画像1.webp\";a:2:{s:2:\"id\";i:331651;s:11:\"source_type\";s:13:\"media-library\";}s:74:\"//www.nikkinonline.com/wp/wp-content/uploads/2025/10/画像1-1024x669.webp\";a:2:{s:2:\"id\";i:331651;s:11:\"source_type\";s:13:\"media-library\";}s:65:\"//img.nikkinonline.com/wp/wp-content/uploads/2025/10/画像1.webp\";a:2:{s:2:\"id\";i:331651;s:11:\"source_type\";s:13:\"media-library\";}s:74:\"//img.nikkinonline.com/wp/wp-content/uploads/2025/10/画像1-1024x669.webp\";a:2:{s:2:\"id\";i:331651;s:11:\"source_type\";s:13:\"media-library\";}s:77:\"//img.nikkinonline.com/wp/wp-content/uploads/2025/10/%E7%94%BB%E5%83%8F1.webp\";a:2:{s:2:\"id\";i:331651;s:11:\"source_type\";s:13:\"media-library\";}s:86:\"//img.nikkinonline.com/wp/wp-content/uploads/2025/10/%E7%94%BB%E5%83%8F1-1024x669.webp\";a:2:{s:2:\"id\";i:331651;s:11:\"source_type\";s:13:\"media-library\";}s:77:\"//www.nikkinonline.com/wp/wp-content/uploads/2025/10/%E7%94%BB%E5%83%8F1.webp\";a:2:{s:2:\"id\";i:331651;s:11:\"source_type\";s:13:\"media-library\";}s:86:\"//www.nikkinonline.com/wp/wp-content/uploads/2025/10/%E7%94%BB%E5%83%8F1-1024x669.webp\";a:2:{s:2:\"id\";i:331651;s:11:\"source_type\";s:13:\"media-library\";}s:79:\"//img.nikkinonline.com/wp/wp-content/uploads/2025/10/%E7%94%BB%E5%83%8F1-1.webp\";a:2:{s:2:\"id\";i:331696;s:11:\"source_type\";s:13:\"media-library\";}s:88:\"//img.nikkinonline.com/wp/wp-content/uploads/2025/10/%E7%94%BB%E5%83%8F1-1-1024x669.webp\";a:2:{s:2:\"id\";i:331696;s:11:\"source_type\";s:13:\"media-library\";}s:79:\"//www.nikkinonline.com/wp/wp-content/uploads/2025/10/%E7%94%BB%E5%83%8F1-1.webp\";a:2:{s:2:\"id\";i:331696;s:11:\"source_type\";s:13:\"media-library\";}s:88:\"//www.nikkinonline.com/wp/wp-content/uploads/2025/10/%E7%94%BB%E5%83%8F1-1-1024x669.webp\";a:2:{s:2:\"id\";i:331696;s:11:\"source_type\";s:13:\"media-library\";}s:67:\"//www.nikkinonline.com/wp/wp-content/uploads/2025/10/画像1-1.webp\";a:2:{s:2:\"id\";i:331696;s:11:\"source_type\";s:13:\"media-library\";}s:76:\"//www.nikkinonline.com/wp/wp-content/uploads/2025/10/画像1-1-1024x669.webp\";a:2:{s:2:\"id\";i:331696;s:11:\"source_type\";s:13:\"media-library\";}s:67:\"//img.nikkinonline.com/wp/wp-content/uploads/2025/10/画像1-1.webp\";a:2:{s:2:\"id\";i:331696;s:11:\"source_type\";s:13:\"media-library\";}s:76:\"//img.nikkinonline.com/wp/wp-content/uploads/2025/10/画像1-1-1024x669.webp\";a:2:{s:2:\"id\";i:331696;s:11:\"source_type\";s:13:\"media-library\";}s:76:\"//img.nikkinonline.com/wp/wp-content/uploads/2025/10/%E5%9B%B3%EF%BC%92.webp\";a:2:{s:2:\"id\";i:332272;s:11:\"source_type\";s:13:\"media-li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個人預金(5)","「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\n⑤個人預金比率、地域銀は2009年、都銀は震災直後の2012年がピーク\r\n2000年3月末から25年間の業態別の個人預金比率を時系列で見ると、00年3月末の同比率は都銀45.0%、地銀66.7%、第二地銀69.2%、25年3月末は都銀40.2%、地銀66.9%、第二地銀67.0%であることから、スタートとゴール時を比較するとその水準に大きな差異はない。しかし、図1(第1回「個人預金比率の時代地図:2000~25年、業態別の変化」のものを再掲)から見て取れるように、","%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%885%ef%bc%89","2025-10-21T19:50:01.000000Z",{"src":109,"alt":110,"title":111},[202],{"term_taxonomy_id":115,"taxonomy":116,"term":203},{"term_id":115,"name":118,"slug":119,"term_group":16,"term_order":16},[205,207,209],{"term_taxonomy_id":42,"taxonomy":25,"term":206},{"term_id":42,"name":40,"slug":41,"term_group":16,"term_order":16},{"term_taxonomy_id":124,"taxonomy":25,"term":208},{"term_id":124,"name":126,"slug":127,"term_group":16,"term_order":16},{"term_taxonomy_id":61,"taxonomy":25,"term":210},{"term_id":61,"name":59,"slug":60,"term_group":16,"term_order":16},[212],{"term_taxonomy_id":85,"taxonomy":56,"term":213},{"term_id":85,"name":83,"slug":84,"term_group":16,"term_order":16},[],{"id":216,"title":217,"summary":218,"slug":219,"published_at":220,"image_url":107,"thumbnail_data":221,"image_caption":110,"report_flag":112,"toushin_flag":112,"journal_flag":112,"categories":222,"tags":225,"series":232,"back_number":235,"short_title":217,"post_type":134,"subscription":135,"is_show_feature_image":136,"paywall_character_count":137},332218,"データで考える21世紀金融 個人預金(3)","「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\n③個人預金の都市部流出と現場のモチベーション低下\r\n\r\n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","%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%883%ef%bc%89","2025-10-09T19:50:43.000000Z",{"src":109,"alt":110,"title":111},[223],{"term_taxonomy_id":115,"taxonomy":116,"term":224},{"term_id":115,"name":118,"slug":119,"term_group":16,"term_order":16},[226,228,230],{"term_taxonomy_id":42,"taxonomy":25,"term":227},{"term_id":42,"name":40,"slug":41,"term_group":16,"term_order":16},{"term_taxonomy_id":124,"taxonomy":25,"term":229},{"term_id":124,"name":126,"slug":127,"term_group":16,"term_order":16},{"term_taxonomy_id":61,"taxonomy":25,"term":231},{"term_id":61,"name":59,"slug":60,"term_group":16,"term_order":16},[233],{"term_taxonomy_id":85,"taxonomy":56,"term":234},{"term_id":85,"name":83,"slug":84,"term_group":16,"term_order":16},[],{"id":237,"title":238,"summary":239,"slug":240,"published_at":241,"image_url":107,"thumbnail_data":242,"image_caption":110,"report_flag":112,"toushin_flag":112,"journal_flag":112,"categories":243,"tags":246,"series":253,"back_number":256,"short_title":238,"post_type":134,"subscription":135,"is_show_feature_image":136,"paywall_character_count":137},331639,"データで考える21世紀金融 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":109,"alt":110,"title":111},[244],{"term_taxonomy_id":115,"taxonomy":116,"term":245},{"term_id":115,"name":118,"slug":119,"term_group":16,"term_order":16},[247,249,251],{"term_taxonomy_id":42,"taxonomy":25,"term":248},{"term_id":42,"name":40,"slug":41,"term_group":16,"term_order":16},{"term_taxonomy_id":124,"taxonomy":25,"term":250},{"term_id":124,"name":126,"slug":127,"term_group":16,"term_order":16},{"term_taxonomy_id":61,"taxonomy":25,"term":252},{"term_id":61,"name":59,"slug":60,"term_group":16,"term_order":16},[254],{"term_taxonomy_id":85,"taxonomy":56,"term":255},{"term_id":85,"name":83,"slug":84,"term_group":16,"term_order":16},[],{"id":258,"title":259,"summary":260,"slug":261,"published_at":262,"image_url":107,"thumbnail_data":263,"image_caption":110,"report_flag":112,"toushin_flag":112,"journal_flag":112,"categories":264,"tags":267,"series":274,"back_number":277,"short_title":259,"post_type":134,"subscription":135,"is_show_feature_image":136,"paywall_character_count":137},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":109,"alt":110,"title":111},[265],{"term_taxonomy_id":115,"taxonomy":116,"term":266},{"term_id":115,"name":118,"slug":119,"term_group":16,"term_order":16},[268,270,272],{"term_taxonomy_id":42,"taxonomy":25,"term":269},{"term_id":42,"name":40,"slug":41,"term_group":16,"term_order":16},{"term_taxonomy_id":124,"taxonomy":25,"term":271},{"term_id":124,"name":126,"slug":127,"term_group":16,"term_order":16},{"term_taxonomy_id":61,"taxonomy":25,"term":273},{"term_id":61,"name":59,"slug":60,"term_group":16,"term_order":16},[275],{"term_taxonomy_id":85,"taxonomy":56,"term":276},{"term_id":85,"name":83,"slug":84,"term_group":16,"term_order":16},[],{"id":279,"title":280,"summary":281,"slug":282,"published_at":283,"image_url":284,"thumbnail_data":285,"image_caption":110,"report_flag":112,"toushin_flag":112,"journal_flag":112,"categories":288,"tags":294,"series":301,"back_number":307,"short_title":308,"post_type":134,"subscription":309,"is_show_feature_image":136,"paywall_character_count":310},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":286,"alt":110,"title":287},"\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)",[289],{"term_taxonomy_id":290,"taxonomy":116,"term":291},2426,{"term_id":290,"name":292,"slug":293,"term_group":16,"term_order":16},"決算関連資料","settlement",[295,297,299],{"term_taxonomy_id":42,"taxonomy":25,"term":296},{"term_id":42,"name":40,"slug":41,"term_group":16,"term_order":16},{"term_taxonomy_id":124,"taxonomy":25,"term":298},{"term_id":124,"name":126,"slug":127,"term_group":16,"term_order":16},{"term_taxonomy_id":61,"taxonomy":25,"term":300},{"term_id":61,"name":59,"slug":60,"term_group":16,"term_order":16},[302],{"term_taxonomy_id":303,"taxonomy":56,"term":304},2500,{"term_id":303,"name":305,"slug":306,"term_group":16,"term_order":16},"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":312,"title":313,"summary":314,"slug":315,"published_at":316,"image_url":317,"thumbnail_data":318,"image_caption":110,"report_flag":112,"toushin_flag":112,"journal_flag":112,"categories":320,"tags":323,"series":335,"back_number":341,"short_title":313,"post_type":134,"subscription":309,"is_show_feature_image":136,"paywall_character_count":342},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":319,"alt":110,"title":287},"\u003Cimg src=\"https://img.nikkinonline.com/wp/wp-content/uploads/2025/09/預金-2-scaled.webp\" alt=\"\" title=\"預金 (2)\">",[321],{"term_taxonomy_id":290,"taxonomy":116,"term":322},{"term_id":290,"name":292,"slug":293,"term_group":16,"term_order":16},[324,326,328,333],{"term_taxonomy_id":42,"taxonomy":25,"term":325},{"term_id":42,"name":40,"slug":41,"term_group":16,"term_order":16},{"term_taxonomy_id":124,"taxonomy":25,"term":327},{"term_id":124,"name":126,"slug":127,"term_group":16,"term_order":16},{"term_taxonomy_id":329,"taxonomy":25,"term":330},2431,{"term_id":329,"name":331,"slug":332,"term_group":16,"term_order":16},"決算","financial-results",{"term_taxonomy_id":61,"taxonomy":25,"term":334},{"term_id":61,"name":59,"slug":60,"term_group":16,"term_order":16},[336],{"term_taxonomy_id":337,"taxonomy":56,"term":338},2495,{"term_id":337,"name":339,"slug":340,"term_group":16,"term_order":16},"個人預金残高","personal_deposit_bal",[],"300",{"id":344,"title":345,"summary":346,"slug":347,"published_at":348,"image_url":349,"thumbnail_data":350,"image_caption":110,"report_flag":112,"toushin_flag":112,"journal_flag":112,"categories":353,"tags":356,"series":363,"back_number":369,"short_title":345,"post_type":134,"subscription":309,"is_show_feature_image":136,"paywall_character_count":370},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":351,"alt":110,"title":352},"\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",[354],{"term_taxonomy_id":290,"taxonomy":116,"term":355},{"term_id":290,"name":292,"slug":293,"term_group":16,"term_order":16},[357,359,361],{"term_taxonomy_id":42,"taxonomy":25,"term":358},{"term_id":42,"name":40,"slug":41,"term_group":16,"term_order":16},{"term_taxonomy_id":124,"taxonomy":25,"term":360},{"term_id":124,"name":126,"slug":127,"term_group":16,"term_order":16},{"term_taxonomy_id":61,"taxonomy":25,"term":362},{"term_id":61,"name":59,"slug":60,"term_group":16,"term_order":16},[364],{"term_taxonomy_id":365,"taxonomy":56,"term":366},2473,{"term_id":365,"name":367,"slug":368,"term_group":16,"term_order":16},"預金残高に対する預かり資産残高比率","dep_balance_asset_ratio",[],"350",{"id":372,"title":373,"summary":374,"slug":375,"published_at":376,"image_url":377,"thumbnail_data":378,"image_caption":110,"report_flag":112,"toushin_flag":112,"journal_flag":112,"categories":381,"tags":387,"series":394,"back_number":400,"short_title":373,"post_type":134,"subscription":309,"is_show_feature_image":136,"paywall_character_count":310},308670,"28行が円・外貨定期預金に優遇金利 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