We investigated the concentrations of particulate Al, Si, P, S, K, Ca, Ti, Mn, and Fe at various areas of Lake Biwa, such as the limnetic zone in the northern basin, the offshore zone, the dredged area and Akanoi Bay in the southern basin, and reed community areas in the shore. In the wide and deep northern basin, the density of suspended solids was low, and substantial fractions of particulate Si, P, S, and Ca were biogenic matter produced by phytoplankton. In the offshore zone in the narrow and shallow southern basin, the concentration ratios of particulate Si, K, Ca, Ti, and Fe against particulate Al were almost constant throughout the year and were similar to those found in crusts. Therefore, these elements are most likely derived from terrigenous clay matter. In the dredged area where the hypolimnion became anoxic during the stratification period, the concentrations of particulate Fe, Mn, P, S, and Ca increased because of the formation of hydrous Fe and Mn oxides and Fe sulfide. In Akanoi Bay, the ratios of Mn/Al and Fe/Al were high because of the stirring of sediments enriched with Mn and Fe oxides. In the reed community areas, the concentration of suspended solids correlated well with particulate Fe and P, but not with Al or chlorophyll a; therefore these areas seem to be rich in humic organic matter enriched with P and Fe due to microbial activity. Thus, the elemental composition of suspended solids reflects the chemical, biological, and physical processes in the lake and gives us useful indices of the characteristics of the water.