Lending and Deposit Trends in October
Overview
The Bank of Japan document “Principal Figures of Financial Institutions (Preliminary Figures for October 2026)” presents preliminary statistics on lending and discounts, and deposits and CDs, at financial institutions in October 2026. Each table shows the year-on-year rate of change in average balances and the average balance. The document includes definitions and coverage for lending and discounts, and deposits and CDs, as well as explanations of statistical discontinuities. It states that publication is withheld until 8:50 a.m. Japan time on November 10, 2026.
Key points
- The document is titled “Principal Figures of Financial Institutions (Preliminary Figures for October 2026).”
- The lending and discounts, and deposits and CDs tables show the year-on-year rate of change in average balances and the average balances.
- Coverage of lending and discounts varies by account, currency, borrower, and bank category.
- The document identifies mergers between banks as the reason for statistical discontinuities.
Overview
The document was issued by the Bank of Japan and names the Financial System and Bank Examination Department.
The chapter headings are “Loans and Discounts,” “Deposits and CDs,” “Definitions,” and “Statistical Discontinuities.” The first two sections cover year-on-year rates of change in average balances and average balances for October 2026; amounts are stated in units of 100 million yen. The document says publication is withheld until 8:50 a.m. Japan time on November 10, 2026.
Details
“Loans and Discounts” separates the total for major banks, regional banks, and shinkin banks; the combined total for major and regional banks; major banks; regional banks in total; Regional Banks I and II; shinkin banks; the total including other surveyed domestic banks; and foreign banks. Shinkin bank data are aggregated through Shinkin Central Bank, and the foreign bank category covers yen-denominated lending in Japan.
The total for major banks, regional banks, and shinkin banks includes yen-denominated lending in domestic accounts, excluding offshore accounts; foreign-currency impact loans in domestic and overseas accounts; and euro-yen impact loans in overseas accounts. It excludes lending to nonresidents. Lending and discounts figures other than the foreign bank category exclude loans to financial institutions and the central government. Major banks are 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. In “Loans and Discounts,” other surveyed domestic banks are domestic banks other than major banks and Regional Banks I and II, in total.
“Deposits and CDs” separates the total for city banks, regional banks, and shinkin banks; the combined total for city and regional banks; city banks; regional banks in total; Regional Banks I and II; shinkin banks; and the total including other surveyed domestic banks. Shinkin bank data are aggregated through Shinkin Central Bank.
Deposits and CDs figures exclude unsettled checks and bills. City banks are Mizuho Bank, MUFG Bank, Sumitomo Mitsui Banking Corporation, Resona Bank, and Saitama Resona Bank. In “Deposits and CDs,” other surveyed domestic banks are domestic banks other than city banks and Regional Banks I and II, in total; this category has different coverage from the corresponding category for loans and discounts.
Data marked with an asterisk indicate a statistical discontinuity before or after the date shown. Two discontinuity entries are dated 2026, and both are attributed to mergers between banks. The month and day are not specified.
For inquiries, contact the Banking Statistics Group, Financial Data Division, Financial System and Bank Examination Department. The email address is post.bsd6@boj.or.jp.