# Banks · Plover Analytics

> Japanese banks — non-performing loans, earnings and per-bank statements, from the Financial Services Agency and the Japanese Bankers Association.

Page: https://ploveranalytics.com/banks.html

## Bank of Japan — average interest rates posted on deposits

Latest reading, October 2026: Ordinary Deposits 0.3%; 1-Year Time, <¥3mn 0.5%; 5-Year Time, <¥3mn 0.7%; 10-Year Time, <¥3mn 1.0%.

_Latest values, as published_

| Period | Ordinary deposits (%) | Time deposits, 1 year, under ¥3mn (%) | Time deposits, 5 years, under ¥3mn (%) | Time deposits, 10 years, under ¥3mn (%) |
|---|---:|---:|---:|---:|
| Oct 2026 | 0.3 | 0.5 | 0.7 | 1.0 |
| Sep 2026 | 0.3 | 0.5 | 0.7 | 0.9 |
| Aug 2026 | 0.3 | 0.4 | 0.7 | 0.9 |
| Jul 2026 | 0.3 | 0.4 | 0.6 | 0.7 |
| Jun 2026 | 0.3 | 0.4 | 0.6 | 0.7 |
| May 2026 | 0.3 | 0.4 | 0.6 | 0.7 |
| Apr 2026 | 0.3 | 0.4 | 0.6 | 0.7 |
| Mar 2026 | 0.2 | 0.4 | 0.5 | 0.7 |
| Feb 2026 | 0.2 | 0.3 | 0.5 | 0.7 |
| Jan 2026 | 0.2 | 0.3 | 0.4 | 0.5 |
| Dec 2025 | 0.2 | 0.3 | 0.4 | 0.5 |
| Nov 2025 | 0.2 | 0.3 | 0.4 | 0.5 |
| Oct 2025 | 0.2 | 0.3 | 0.4 | 0.5 |

This service uses the API provided by the 'Bank of Japan Time-Series Data Search.' The Bank of Japan does not guarantee the content of the service. · Data through October 2026 · JSON: https://ploveranalytics.com/api/v1/boj-deposit-rates/overview · CSV: https://ploveranalytics.com/api/v1/boj-deposit-rates/observations?series=DLDR121N&format=csv

## Bank of Japan — average contract interest rates on loans

Latest reading, August 2026: New Loans, Regional 1.7%; Loan Book, Regional 1.4%; New Loans, City 1.9%; New Loans, Shinkin 2.3%.

_Latest values, as published_

| Period | New loans, regional banks (%) | New loans, city banks (%) | New loans, regional banks II (%) | New loans, shinkin banks (%) |
|---|---:|---:|---:|---:|
| Aug 2026 | 1.7 | 1.9 | 1.9 | 2.3 |
| Jul 2026 | 1.8 | 1.8 | 1.8 | 2.2 |
| Jun 2026 | 1.7 | 1.9 | 1.7 | 2.2 |
| May 2026 | 1.7 | 1.9 | 1.8 | 2.2 |
| Apr 2026 | 1.7 | 1.8 | 1.7 | 2.2 |
| Mar 2026 | 1.7 | 2.0 | 1.7 | 2.0 |
| Feb 2026 | 1.5 | 1.6 | 1.7 | 2.0 |
| Jan 2026 | 1.4 | 1.5 | 1.5 | 2.0 |
| Dec 2025 | 1.4 | 1.4 | 1.5 | 1.9 |
| Nov 2025 | 1.2 | 1.1 | 1.3 | 2.0 |
| Oct 2025 | 1.3 | 1.4 | 1.4 | 2.0 |
| Sep 2025 | 1.4 | 1.5 | 1.4 | 1.9 |
| Aug 2025 | 1.2 | 1.1 | 1.2 | 1.9 |

This service uses the API provided by the 'Bank of Japan Time-Series Data Search.' The Bank of Japan does not guarantee the content of the service. · Data through August 2026 · JSON: https://ploveranalytics.com/api/v1/boj-loan-rates/overview · CSV: https://ploveranalytics.com/api/v1/boj-loan-rates/observations?series=DLLR2CIRBNL1&format=csv

## Bank earnings by group — major and regional banks

Latest reading, March 2026: Major Banks Net Income 59,742 ¥100mn; Regional Banks Net Income 18,043 ¥100mn; Major Banks Loans 408.1 ¥tn; Regional Banks Loans 349.1 ¥tn.

_Latest values, as published_

| Period | Net income, major banks (¥100mn) | Net income, regional banks (¥100mn) | Net income, major banks · YoY (%) |
|---|---:|---:|---:|
| Mar 2026 | 59,742 | 18,043 | 32.7 |
| Mar 2025 | 45,023 | 13,088 | 33.3 |
| Mar 2024 | 33,788 | 9,582 | 17.3 |
| Mar 2023 | 28,807 | 8,776 | 6.6 |
| Mar 2022 | 27,023 | 8,542 | 28.6 |
| Mar 2021 | 21,016 | 7,082 | 1.5 |

YoY: (value[t] / value[t−12 months] − 1) × 100, from published values.

Source: Financial Services Agency — Summary of bank financial results (主要行等・地域銀行の決算の概要). · Data through March 2026 · JSON: https://ploveranalytics.com/api/v1/fsa-bank-results/observations · CSV: https://ploveranalytics.com/api/v1/fsa-bank-results/observations?series=major.net-income.fy&format=csv

## Bad loans by bank group — FRA disclosed claims

Latest reading, March 2026: Bad-Loan Ratio 1.0%; Disclosed Claims 84,040 ¥100mn; Major Banks 0.6%; Regional Banks 1.5%.

_Latest values, as published_

| Period | Bad-loan ratio, all banks (%) | Major banks (%) | Regional banks (%) | Bad-loan ratio, all banks · YoY (%) |
|---|---:|---:|---:|---:|
| Mar 2026 | 1.0 | 0.6 | 1.5 | −9.1 |
| Sep 2025 | 1.0 | 0.6 | 1.6 | −16.7 |
| Mar 2025 | 1.1 | 0.7 | 1.6 | −15.4 |
| Sep 2024 | 1.2 | 0.8 | 1.7 | 0.0 |
| Mar 2024 | 1.3 | 0.9 | 1.7 | 8.3 |
| Sep 2023 | 1.2 | 0.8 | 1.7 | 0.0 |

YoY: (value[t] / value[t−12 months] − 1) × 100, from published values.

Source: Financial Services Agency — Status of claims disclosed under the Financial Reconstruction Act (金融再生法開示債権の状況等). · Data through March 2026 · JSON: https://ploveranalytics.com/api/v1/fsa-npl/observations · CSV: https://ploveranalytics.com/api/v1/fsa-npl/observations?series=all-banks.npl-ratio&format=csv

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Every figure above is either as published by its source (official) or calculated by this platform with the formula stated beside it. Missing is shown as —, never as zero. Guidance for quoting: https://ploveranalytics.com/llms.txt