Japan Financial Services Agency publishes FY2025 first-half bank-level results on loans without management guarantees

The Japan Financial Services Agency has published updated information on how financial institutions are using its Guidelines for Management Guarantees, including bank-by-bank results, business-type breakdowns and the publication status of institutions’ initiative policies, as part of its push to embed lending practices that do not rely on management guarantees. The release includes, for the first half of FY2025 (April to September), individual-bank data on the ratio of new loans that do not depend on management guarantees, and results by business type and by bank covering the share of loans not relying on management guarantees alongside loans with guarantees where explanations and records were properly made. The update also expands the individual-bank reporting in this dataset to include major banks and other regional banks, and publishes the status of initiative-policy disclosures as of the update date, noting that URLs may change and that aggregated values may be revised following further scrutiny.