The Bank of Japan published updated banking statistics on average contract interest rates on loans and discounts for December 2025, providing monthly series for July to December 2025 for both new lending and end-of-month outstanding balances. For new loans and discounts, the release reports monthly average rates on new contracts, including rolled-over loans, with totals excluding overdrafts, and splits results into short-term (less than one year) and long-term (one year or more) lending across domestically licensed banks, city banks, regional banks, regional banks II, and shinkin banks. Domestically licensed banks are defined as banks established under Japanese legislation that conduct transactions with the Bank of Japan, excluding the Resolution and Collection Corporation and Japan Post Bank; city banks comprise Mizuho Bank, MUFG Bank, Sumitomo Mitsui Banking Corporation, Resona Bank, and Saitama Resona Bank; shinkin bank figures are compiled by the National Association of Shinkin Banks. For December 2025, domestically licensed banks showed average rates of 1.139% for new short-term loans and discounts and 2.052% for new long-term loans, while the end-of-month average rate on total outstanding loans and bills discounted was 1.212%. The dataset will be uploaded to the BOJ Time-Series Data Search on or after the next business day.
Bank of Japan 2026-02-12
Bank of Japan releases December 2025 average contract interest rates on loans and discounts for new lending and outstanding balances
The Bank of Japan released updated banking statistics for December 2025, detailing average contract interest rates on loans and discounts, with short-term loans at 1.139% and long-term loans at 2.052% for domestically licensed banks. The data, covering July to December 2025, will be available on the BOJ Time-Series Data Search following the next business day.