10 There was a concentration of fixed postal savings deposited in the early 1990s which reached maturity in 2000 and 2001. In SNA, interest income is not recorded according to maturity date, but is divided and recorded when it is paid out each year. Tax on this interest income, however, is recorded as a lump sum at the point of maturity. Thus in FY2000 and FY2001, disposable income in SNA was reduced by this increased tax burden (4.5 trillion yen in FY2000 and about 3.7 trillion in FY2001), and as a result the savings rate was pushed downwards.