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The average level of savings per household increased 3.5 percent to 13.5 million yen this year, and average after-tax income rose slightly to 6.05 million yen, according to a Bank of Japan survey released Sept. 19.

About 46 percent of the 4,286 households surveyed said they have debts amounting to 10.8 million yen on average, up from 10.5 million yen last year. Households are spending 84 percent of their after-tax income, up from 82.1 percent in 1996, the survey said.

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