Facts & Figures - apanese households possess ¥1,500 trillion of assets, half of which are bank deposits earning minimal interest.
We believe that the scope for Social Finance in Japan is vast, based on a large household asset-base and the well developed markets for Consumer and SME lending.
To put our vision for the potential of Social Finance in Japan in context, we highlight some facts and figures below:
Japanese Investors
In Japan, personal financial assets amount to about ¥1,500 trillion, which is greater than the total of the U.K., France and Germany combined. Bank deposits account for 50% of this total.
| JPY Savings Returns* Low: | 1yr CD ~0.93% |
| Amount of Savings: | ¥750 trillion |
| Total Liquid Financial Assets: | ¥1,500 trillion |
| Percentage Controlled by People over 50: | 80% |
Japanese Consumer Borrowers
Approximately 14 million people in Japan have borrowed money from a Consumer Lending company, at high interest rates. The current value of outstanding loans is approximately ¥10 trillion.
| Total Number of Borrowers: | 14 million |
| Lending Rates High: | ~ 20% |
| Total Consumer Finance Borrowing: | ¥10 trillion |
Japanese SMEs*
The majority of businesses in Japan are Small to Medium Enterprises ("SMEs") and they represent an important growth engine. However, it can be difficult for smaller business to obtain the credit and working capital that they require. We believe that Social Finance can empower SMEs to seek financing directly from the people that know them best, their customers and community members.
| Portion of Japanese work force: | 71% |
| Total SME Borrowing: | ¥250 trillion |
| Percentage Funded by Private Sector | greater than 90% |
Baby Boomers
We believe that demographic changes in Japan are increasing demand for fixed income assets as Baby Boomers retire and look to create income from lump-sum retirement payouts. We are confident that AQUSH will allow Baby Boomers to generate investment income while also using their knowledge to help business and consumer borrowers.
| Retiring Between 2007 and 2009: | 6.8 million |
| Total Lump-sum retirement payouts 2007 to 2009*: | ¥40 trillion |
