Lending and Deposit Trends (August)
Overview
The Bank of Japan's Financial System and Bank Examination Department's "Principal Figures of Financial Institutions (Preliminary Figures for August 2026)" is a preliminary report showing the average outstanding amounts and year-on-year rates of change for loans and discounts and deposits and certificates of deposit (CDs) at financial institutions in August 2026. It presents aggregation categories by bank type, the scope of aggregation and excluded items, the composition of major banks and city banks, the aggregation process for shinkin bank data, and definitions and notes concerning statistical discontinuities.
Key points
- The title of the report is "Principal Figures of Financial Institutions (Preliminary Figures for August 2026)."
- For loans and discounts and deposits and CDs, the report shows the year-on-year rate of change in average outstanding amounts and the average outstanding amounts for August 2026.
- It establishes aggregate and individual categories by bank type, and Definitions specify the scope of aggregation and excluded items.
- The report identifies mergers among banks as a reason for statistical discontinuities.
Overview
This report is a preliminary release of the principal figures for financial institutions in August 2026, prepared by the Bank of Japan's Financial System and Bank Examination Department.
Loans and Discounts distinguishes aggregates for major banks, regional banks, shinkin banks, and others; major banks and regional banks; each bank type; all surveyed domestically licensed banks operating in Japan; and foreign banks. Deposits and CDs distinguishes aggregates for city banks, regional banks, shinkin banks, and others; city banks and regional banks; each bank type; and all surveyed domestically licensed banks operating in Japan.
Both tables show the year-on-year rate of change in average outstanding amounts and Average amounts outstanding (2026/8), with the unit being 100 million yen. The source text provided does not list specific figures for each category.
Details
The aggregate for major, regional, and shinkin banks in Loans and Discounts includes yen-denominated loans in domestic Japanese accounts excluding overseas accounts, foreign-currency impact loans in domestic Japanese and overseas accounts, and euro-yen impact loans in overseas accounts. Loans to nonresidents are excluded.
In Loans and Discounts, loans to financial institutions and loans to the central government are excluded, except for the figures for foreign banks. The figures for foreign banks are yen-denominated loans in Japan. In Deposits and CDs, unsettled checks and bills are excluded.
Major banks comprise Mizuho Bank, MUFG Bank, Sumitomo Mitsui Banking Corporation, Resona Bank, Mitsubishi UFJ Trust and Banking Corporation, Mizuho Trust and Banking Company, Sumitomo Mitsui Trust Bank, Saitama Resona Bank, SBI Shinsei Bank, and Aozora Bank. City banks comprise Mizuho Bank, MUFG Bank, Sumitomo Mitsui Banking Corporation, Resona Bank, and Saitama Resona Bank.
Data for shinkin banks are aggregated through Shinkin Central Bank. In Loans and Discounts, other surveyed domestically licensed banks are the total of domestically licensed banks not included in major banks, regional banks I, or regional banks II. In Deposits and CDs, the same category is the total of domestically licensed banks not included in city banks, regional banks I, or regional banks II, so its scope differs between the two tables.
Statistical Discontinuities provides discontinuity fields for major banks, regional banks, other surveyed domestically licensed banks, and foreign banks in the 2026 table, citing Merger among banks as the reason. Asterisks are attached to data with discontinuities before and after the indicated dates.
The contact is Banking Statistics Group, Financial Data Division, Financial System and Bank Examination Department.