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Average Contracted Interest Rates on Loans and Discounts (June 2010)

July 29, 2010
Bank of Japan
Financial Systems and Bank Examination Department

1. Interest Rates on New Loans and Discounts1

Percentage points, changes from the previous month. Figures in parentheses are average rates(%).


 Jan. 2010 Feb. Mar. Apr. May Jun. 
Short-term
Domestically
licensed banks
  City banks
  Regional banks
  Regional banks II
Shinkin banks
 
-0.244
-0.348
-0.116
0.078
0.093
 
0.204
0.234
-0.008
-0.139
-0.048
 
0.156
0.534
0.000
0.054
-0.206
 
-0.429
-0.817
-0.114
-0.251
0.202
 
0.063(0.993)
0.089(0.539)
0.095(1.740)
0.211(1.924)
0.053(2.554)
 
0.096(1.089)
0.188(0.727)
0.055(1.795)
0.181(2.105)
-0.026(2.528)
 
Long-term
Domestically
licensed banks
  City banks
  Regional banks
  Regional banks II
Shinkin banks
 
-0.023
0.011
0.054
-0.003
0.076
 
-0.040
-0.049
-0.099
0.067
-0.199
 
0.009
-0.008
-0.097
-0.220
-0.250
 
-0.008
-0.072
0.172
0.233
0.242
 
-0.096(1.251)
0.009(1.353)
-0.210(1.405)
-0.320(1.663)
-0.111(1.942)
 
0.093(1.344)
0.058(1.411)
0.153(1.558)
0.298(1.961)
0.264(2.206)
 
Total2
Domestically
licensed banks
  City banks
  Regional banks
  Regional banks II
Shinkin banks
 
-0.148
-0.328
-0.026
0.045
0.111
 
0.094
0.233
-0.054
-0.048
-0.139
 
0.072
0.345
-0.076
-0.100
-0.268
 
-0.235
-0.678
0.057
-0.022
0.269
 
0.006(1.127)
0.093(0.772)
-0.079(1.552)
-0.019(1.796)
-0.047(2.262)
 
0.102(1.229)
0.212(0.984)
0.124(1.676)
0.240(2.036)
0.123(2.385)


2. Interest Rates on Contracted Loans and Discounts3

Percentage points, changes from the previous month. Figures in parentheses are average rates(%).


 Jan. 2010 Feb. Mar. Apr. May Jun. 
Short-term
Domestically
licensed banks
  City banks
  Regional banks
  Regional banks II
Shinkin banks
 
0.004
-0.007
-0.005
0.015
0.006
 
-0.006
-0.003
-0.004
-0.028
-0.009
 
-0.041
-0.004
-0.037
-0.029
-0.036
 
-0.019
-0.036
-0.023
-0.049
0.019
 
0.002(1.196)
0.000(0.765)
0.020(1.942)
0.037(2.117)
0.027(2.516)
 
-0.036(1.160)
-0.022(0.743)
-0.005(1.937)
0.068(2.185)
-0.004(2.512)
 
Long-term
Domestically
licensed banks
  City banks
  Regional banks
  Regional banks II
Shinkin banks
 
-0.008
-0.010
-0.006
-0.011
-0.008
 
-0.008
-0.009
-0.007
-0.006
-0.008
 
-0.016
-0.016
-0.014
-0.017
-0.016
 
-0.009
-0.010
-0.007
-0.006
-0.006
 
-0.008(1.712)
-0.008(1.608)
-0.011(1.783)
-0.010(2.044)
-0.008(2.304)
 
-0.009(1.703)
-0.009(1.599)
-0.008(1.775)
-0.008(2.036)
-0.009(2.295)
 
Overdrafts
Domestically
licensed banks
  City banks
  Regional banks
  Regional banks II
Shinkin banks
 
-0.006
-0.009
-0.018
0.017
0.073
 
-0.017
-0.011
-0.005
-0.011
0.000
 
-0.011
-0.016
0.021
-0.041
-0.072
 
0.000
0.009
-0.041
0.031
0.074
 
0.003(1.344)
-0.002(1.226)
0.010(1.516)
0.001(2.134)
-0.032(3.996)
 
-0.019(1.325)
-0.026(1.200)
0.002(1.518)
-0.033(2.101)
-0.072(3.924)
 
Total
Domestically
licensed banks
  City banks
  Regional banks
  Regional banks II
Shinkin banks
 
-0.006
-0.009
-0.008
-0.007
-0.005
 
-0.008
-0.008
-0.006
-0.008
-0.009
 
-0.018
-0.012
-0.010
-0.020
-0.017
 
-0.005
-0.007
-0.013
-0.007
-0.004
 
-0.004(1.614)
-0.005(1.437)
-0.006(1.761)
-0.006(2.056)
-0.007(2.395)
 
-0.015(1.599)
-0.017(1.420)
-0.006(1.755)
-0.005(2.051)
-0.012(2.383)

Notes: Domestically licensed banks are established under the Japanese legislation, and conduct transactions with the Bank of Japan.
However, figures exclude the Resolution and Collection Corporation, the Second Bridge Bank of Japan and the Japan Post Bank.
"City banks" excludes Trust banks, Shinsei Bank and Aozora Bank, and includes Saitama Resona Bank.
Figures for Shinkin banks are those surveyed by the National Association of Shinkin Banks.


1. Averages of rates on new or extended loans and discounts during the month.
2. Excludes overdraft accounts.
3. Averages of rates on loans and discounts outstanding at the end of each month.

For further information, please contact;
Financial Data Center, Financial Systems and Bank Examination Department
E-mail:post.bsd6@boj.or.jp

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