FX.co ★ Japan Loan Growth Beats Expectations in June

In June 2025, bank lending in Japan experienced a notable increase, rising by 2.8% compared to the same month in the previous year. This growth exceeded both the 2.4% expansion recorded in May and market expectations of 2.3%. Collectively, the outstanding loans from major, regional, and "shinkin" banks amounted to ¥639.7 trillion. The most significant growth was observed among regional banks, which reported a 3.7% increase. Major banks experienced a steadier growth of 2.2%. On the other hand, "shinkin" banks, which are local cooperative lenders catering primarily to small businesses and local communities, registered a more modest gain of 1.3%, indicating muted credit demand in certain segments of the broader economy.