The Bank of Japan released its January 2026 statistics on average contract interest rates on loans and discounts, covering both rates on new lending and rates on outstanding loans and bills discounted, with breakdowns by bank type and maturity. The release reports monthly average rates for new loans and discounts, including rolled-over loans, split into short-term and long-term and presented for domestically licensed banks, city banks, regional banks, a second group of regional banks, and shinkin banks, with totals excluding overdrafts. It also provides end-of-month average rates for outstanding loans and bills discounted, including overdrafts, using the same institutional breakdowns; short-term and long-term are defined as less than one year and one year or more, respectively. Domestically licensed banks are defined as banks established under Japanese legislation that conduct transactions with the Bank of Japan, with figures excluding the Resolution and Collection Corporation and Japan Post Bank; city banks are defined as Mizuho Bank, MUFG Bank, Sumitomo Mitsui Banking Corporation, Resona Bank, and Saitama Resona Bank. The data will be uploaded to the BOJ Time-Series Data Search on or after the next business day.
Bank of Japan 2026-03-04
Bank of Japan publishes January 2026 average contract interest rates on loans and discounts
The Bank of Japan released January 2026 statistics on average contract interest rates for loans and discounts, detailing rates for new and outstanding loans by bank type and maturity. The data covers domestically licensed banks, city banks, regional banks, a second group of regional banks, and shinkin banks, with short-term defined as less than one year and long-term as one year or more, excluding the Resolution and Collection Corporation and Japan Post Bank.