Bank Lending Rate in Japan remained unchanged at 2.05 percent in May. Bank Lending Rate in Japan averaged 4.61 percent from 1966 until 2025, reaching an all time high of 9.90 percent in October of 1974 and a record low of 0.90 percent in August of 2016. source: Bank of Japan

Bank Lending Rate in Japan is expected to be 2.30 percent by the end of this quarter, according to Trading Economics global macro models and analysts expectations. In the long-term, the Japan Long Term Prime Rate is projected to trend around 2.55 percent in 2026, according to our econometric models.



Related Last Previous Unit Reference
Bank Lending Rate 2.05 2.05 percent May 2025
Consumer Confidence 34.50 32.80 points Jun 2025
Consumer Credit 56005.70 54939.70 JPY Billion Mar 2025
GDP Private Consumption 300112.40 299680.60 JPY Billion Mar 2025
Disposable Personal Income 475.52 426.18 JPY Thousand Apr 2025
Gasoline Prices 1.20 1.24 USD/Liter Jun 2025
Household Spending YoY 4.70 -0.10 percent May 2025
Household Spending MoM 4.60 -1.80 percent May 2025
Households Debt to GDP 65.10 65.10 percent of GDP Dec 2024
Personal Savings 9.10 3.30 percent Dec 2024
Retail Sales MoM -0.20 0.70 percent May 2025
Retail Sales YoY 2.20 3.50 percent May 2025



Japan Long Term Prime Rate
In Japan, the Long Term Prime Rate is the average rate of interest charged on loans by commercial banks to private individuals and companies. The Long Term Prime Rate is adopted and released by Mizuho Corporate Bank.
Actual Previous Highest Lowest Dates Unit Frequency
2.05 2.05 9.90 0.90 1966 - 2025 percent Monthly