BOJ Publishes June 2026 Average Loan Rates

The Bank of Japan’s Financial System and Bank Examination Department published the June 2026 figures for new loans and discounts and outstanding loans as part of the trends in average contracted loan interest rates. The data covers domestically licensed banks, city banks, regional banks, Regional Banks II, and shinkin banks, organized by short-term, long-term, and other classifications.

The combined June 2026 rates for new loans and discounts were 1.767% for domestically licensed banks, 1.929% for city banks, 1.692% for regional banks, 1.740% for Regional Banks II, and 2.180% for shinkin banks. The short-term rates were 1.452%, 1.558%, 1.449%, 1.487%, and 2.241%, respectively, while the long-term rates were 1.944%, 2.165%, 1.797%, 1.863%, and 2.155%, respectively.

The combined June 2026 rates for outstanding loans were 1.452% for domestically licensed banks, 1.500% for city banks, 1.373% for regional banks, 1.448% for Regional Banks II, and 1.814% for shinkin banks. For domestically licensed banks, the short-term rate was 1.429%, the long-term rate was 1.368%, and the overdraft rate was 1.992%.

New loans cover loans and discounts executed during the month, while stock covers loans with outstanding balances as of the end of the month. Short-term means less than one year, and long-term means one year or more. Domestically licensed banks are domestic-law-compliant banks that conduct transactions with the Bank of Japan, excluding the Resolution and Collection Corporation and Japan Post Bank.

This information was released externally at 8:50 a.m. on July 29, 2026, and will be posted on the Time-Series Data Search Site from the next business day onward.