Japan Bank Lending in Japan

Banco de Japon · Monthly · Importance 2

5.4% (Jul-26) YOY · % · Mensual · CSV
6,791,985 (Jul-26) ABS · 100 millones de yenes · Mensual · CSV
Period%
Jul 2026 5.4%
Jun 2026 5.7%
May 2026 5.7%
Apr 2026 5.4%
Mar 2026 4.8%
Feb 2026 4.5%
Jan 2026 4.4%
Dec 2025 4.3%
Nov 2025 4.1%
Oct 2025 4.1%
Sep 2025 3.8%
Aug 2025 3.5%
Jul 2025 3.2%
Jun 2025 2.8%
May 2025 2.4%
Apr 2025 2.3%
Mar 2025 2.8%
Feb 2025 3.0%
Jan 2025 2.9%
Dec 2024 3.0%
Nov 2024 2.9%
Oct 2024 2.6%
Sep 2024 2.7%
Aug 2024 3.0%
Jul 2024 3.2%
Jun 2024 3.2%
May 2024 2.9%
Apr 2024 3.1%
Mar 2024 3.2%
Feb 2024 3.0%
Jan 2024 3.1%
Dec 2023 3.0%
Nov 2023 2.8%
Oct 2023 2.7%
Sep 2023 2.9%
Aug 2023 3.1%
Jul 2023 2.9%
Jun 2023 3.1%
May 2023 3.4%
Apr 2023 3.2%
Mar 2023 3.0%
Feb 2023 3.3%
Jan 2023 3.1%
Dec 2022 2.7%
Nov 2022 2.7%
Oct 2022 2.6%
Sep 2022 2.3%
Aug 2022 1.9%
Jul 2022 1.8%
Jun 2022 1.3%
May 2022 0.7%
Apr 2022 0.9%
Mar 2022 0.5%
Feb 2022 0.3%
Jan 2022 0.5%
Dec 2021 0.6%
Nov 2021 0.6%
Oct 2021 0.9%
Sep 2021 0.6%
Aug 2021 0.6%
Period100 millones de yenes
Jul 2026 6,791,985
Jun 2026 6,757,419
May 2026 6,704,231
Apr 2026 6,703,257
Mar 2026 6,670,250
Feb 2026 6,635,369
Jan 2026 6,635,188
Dec 2025 6,603,592
Nov 2025 6,522,848
Oct 2025 6,503,876
Sep 2025 6,478,205
Aug 2025 6,457,174
Jul 2025 6,441,407
Jun 2025 6,394,619
May 2025 6,344,852
Apr 2025 6,361,638
Mar 2025 6,366,350
Feb 2025 6,351,541
Jan 2025 6,353,889
Dec 2024 6,328,938
Nov 2024 6,265,434
Oct 2024 6,250,055
Sep 2024 6,240,845
Aug 2024 6,238,766
Jul 2024 6,241,864
Jun 2024 6,223,534
May 2024 6,196,795
Apr 2024 6,216,274
Mar 2024 6,194,249
Feb 2024 6,166,342
Jan 2024 6,173,099
Dec 2023 6,142,687
Nov 2023 6,089,067
Oct 2023 6,090,157
Sep 2023 6,075,230
Aug 2023 6,057,398
Jul 2023 6,051,193
Jun 2023 6,031,467
May 2023 6,021,120
Apr 2023 6,030,704
Mar 2023 6,003,433
Feb 2023 5,987,450
Jan 2023 5,989,570
Dec 2022 5,963,524
Nov 2022 5,923,052
Oct 2022 5,929,781
Sep 2022 5,905,009
Aug 2022 5,877,644
Jul 2022 5,880,547
Jun 2022 5,849,028
May 2022 5,823,733
Apr 2022 5,845,197
Mar 2022 5,826,802
Feb 2022 5,798,967
Jan 2022 5,810,349
Dec 2021 5,807,104
Nov 2021 5,769,118
Oct 2021 5,777,521
Sep 2021 5,771,179
Aug 2021 5,767,247

About this indicator

SourceBank of Japan (BoJ)
FrequencyMonthly
Release Primeros dias habiles del mes siguiente (08:50 JST)
What it isMeasures the outstanding balance of loans and discounts extended by Japan's major banks, regional banks and credit associations (shinkin). It gauges bank lending to the economy and is published monthly by the Bank of Japan.
How it's calculatedIt takes the average of outstanding balances over the month. The year-on-year change compares that average balance with the same month a year earlier, expressed as a percentage. The Bank of Japan releases the aggregate along with breakdowns by type of institution.
Market implicationsIt is a barometer of credit demand and banks' risk appetite; an acceleration usually accompanies expanding investment and consumption, while a slowdown points to lending caution. The Bank of Japan watches it as a sign of how its monetary policy is feeding through to the real economy.
LimitationsThe aggregate balance does not distinguish by sector or by credit quality: it can grow on refinancing or lending to the public sector rather than on fresh productive investment. Being a stock rather than a flow measure, it also smooths changes and lags turning points.