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الاقتصادية

2026-11-07T11:29:00.000Z

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Uninsured Funds Hit $887B

Uninsured Funds Hit $887B

Personal deposits in Japan exceeding the bank deposit insurance limit have risen to more than 142 trillion yen—about $887 billion—up 36% in five years, and now account for roughly 24% of all deposits. The growth in large balances is due in part to wealth passed down through inheritance. Deposit insurance covers up to 10 million yen per depositor at each financial institution, a limit unchanged since 1986. The growing volume of uninsured deposits raises concerns about losses if a bank fails, or about funds being withdrawn rapidly through digital banking services.

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