Principal Figures of Financial Institutions

Data Macro

Source: Bank of Japan
Source Link: https://www.boj.or.jp/
Frequency: Monthly
Next Release(s): December 7th, 2025 7:30 PM

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Japanese bank lending rose +3.8% YoY in September 2025 (up from +3.5% in Aug), while deposits grew +0.7% YoY, reflecting continued loan expansion that is outpacing modest deposit growth.
- Total loans: +3.8% YoY in Sep (3.5% in Aug; 3.2% in Jul). This shows a steady upward trend in outstanding lending across the banking system.
- Major banks loans: +4.4% YoY in Sep (rising from 3.7% in Aug and 3.1% in Jul), making them one of the stronger contributors to overall loan growth.
- Regional banks loans: +4.0% YoY in Sep (3.9% in Aug). Breakdown: Regional banks I +4.1%, Regional banks II +3.4%, both posting positive, above-trend growth.
- Shinkin banks loans: +1.3% YoY in Sep (stable vs prior months), indicating much weaker loan growth at shinkin institutions relative to city/regional banks.
- Foreign banks (yen loans in Japan): +26.1% YoY in Sep, after volatility in prior months (15.6% in Aug, 21.1% in Jul), remaining elevated but variable.
- Total deposits: +0.7% YoY in Sep (0.6% in Aug; 0.7% in Jul), showing subdued deposit expansion compared with lending.
- Deposit composition: City banks +0.1% YoY in Sep (essentially flat), total regional banks +1.7%, while shinkin deposits -0.2% YoY (a small contraction), underscoring uneven deposit trends across bank types.
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Japanese bank lending rose +3.6% YoY in August 2025 (vs +3.2% in July), while deposit growth slowed to +0.6% YoY, highlighting continued loan expansion outpacing funding growth.
- Major bank loans increased +3.8% YoY in August (vs +3.1% in July), the fastest since early 2025.
- Regional banks grew lending +4.0% YoY, with Regional Banks I at +4.1% and Regional Banks II at +3.5%.
- Shinkin banks’ loan growth held steady at +1.3% YoY, consistent with prior months.
- Foreign banks’ lending slowed to +15.6% YoY, down from +21.1% in July, but remained highly elevated.
- Total deposits across city, regional, and Shinkin banks rose just +0.6% YoY in August, down from +0.7% in July.
- City bank deposits were flat at +0.0% YoY, while regional banks grew +1.0% YoY and Shinkin banks contracted -0.2% YoY.
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Japanese total bank loan growth rose to 3.2% YoY (vs 2.7% YoY expected) in July, up from a revised 2.7% in June, driven by continued strength in regional bank lending.
- Major bank loan growth accelerated to 3.2% YoY in July from 2.1% in June.
- Regional banks grew loans by 3.8% YoY, with Regional Banks I at 4.0% and Regional Banks II at 3.2%.
- Shinkin bank lending was steady at 1.3% YoY in July.
- Foreign bank loans rose 21.1% YoY in July, slowing from 26.2% in June.
- Total deposit growth across city, regional, and Shinkin banks was flat at 0.7% YoY in July, with regional banks at 1.2% and city banks at 0.6%.
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Japanese total bank loan growth rose to 2.8% YoY in June, up from 2.4% in May and above expectations of 2.3% YoY, continuing a modest upward trend led by regional institutions.
- Major bank loan growth picked up to 2.2% YoY in June from 1.3% in May.
- Regional banks maintained strong lending growth at 3.7% YoY, with Regional Banks I at 3.9% and Regional Banks II at 3.0%.
- Shinkin bank lending edged up to 1.3% YoY in June from 1.2% in May.
- Foreign bank loans surged 26.2% YoY in June, accelerating from 25.7% YoY in May.
- The total loan balance across major, regional, and Shinkin banks stood at ¥639.7 trillion in June.
- Total deposit growth was 0.8% YoY in June, slightly ahead of 0.7% YoY in May.
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Japanese total bank loan growth edged up to 2.4% YoY in May 2025, slightly above 2.3% in April, as regional banks continued to drive credit expansion.
- Major bank loan growth remained subdued at 1.3% YoY, up marginally from 1.2% in April.
- Regional banks saw stable growth at 3.7% YoY, with Regional Banks I rising 3.8% and Regional Banks II up 3.1%.
- Shinkin bank lending held steady at 1.2% YoY for the second straight month.
- Foreign bank loans surged 25.6% YoY in May, accelerating from 21.1% YoY in April.
- The total average loan balance stood at ¥634.8 trillion in May, with major and regional banks accounting for over ¥556.6 trillion.
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Japanese total bank loan growth slowed to 2.4% YoY in April, down from 2.8% YoY in March and below expectations of a 2.8% YoY increase.
- Bank lending at major banks slowed significantly to 1.3% YoY, down from 2.4% YoY.
- Total loan growth of foreign banks jumped to 21.0% YoY, up significantly from 9.4% YoY.
- Total deposit growth in April was 0.7% YoY, down from 0.9% YoY with city bank deposit growth down to just 0.3% YoY from 1.0% YoY.
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Japanese total bank loan growth slowed to 2.8% YoY in March, down from 3.0% YoY in February and below expectations of a 3.1% YoY increase.
- Bank lending at major banks was up 2.4% YoY, down from 2.9% YoY.
- Total loan growth of foreign banks in Japan fell from 10.0% YoY in February to 9.4% YoY in March.
- Total deposit growth was 0.9% YoY, down from 1.4% YoY.
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Total bank lending in Japan was up 3.1% YoY in February, up from the 2.9% YoY increase in January and the highest since July 2024.
- Lending at major banks was up 2.9% YoY, up from 2.6% YoY.
- Regional bank lending was up 3.7% YoY, unchanged from the previous month.
- Total deposit growth fell slightly, from 1.5% YoY in January to 1.4% YoY in February.
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Total bank lending in Japan was up 3.1% YoY in December, in line with expectations and up from 2.9% YoY in November. Major bank lending was up 3.0% YoY, and regional bank lending grew at a faster 3.7% YoY pace. Total deposit growth was 1.4% YoY, up from 1.2% YoY previously. Credit conditions have been broadly stable despite the BoJ’s gradual monetary policy tightening.

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