fiscal year 2015 to 2024; the Japanese fiscal year starts on April 1 of the stated year and ends on March 31 of the following year
Special properties
as of the end of each fiscal year; non-consolidated figures; excluding loans to financial institutions; domestic operations
Supplementary notes
Figures for 108 banks in fiscal year 2024. Including five city banks, 61 regional banks, 34 regional banks II, four trust banks, and two other banks. Number of banks differs in previous reports.
Data prior to fiscal year 2024 come from previous reporting.
Citation formats
Interest rate spread of banks in Japan FY 2015-2024
In the fiscal year 2024, the loan to deposit spread in the domestic business of banks in Japan reached **** percent. The loan to deposit spread is the difference between a bank's lending rate and deposit rate.
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Japanese Bankers Association. (June 29, 2025). Loan to deposit spread in the domestic business of banks in Japan from fiscal year 2015 to 2024 [Graph]. In ÌÇÐÄÆƽâ°æ. Retrieved July 31, 2026, from /statistics/1335982/japan-banks-loan-deposit-interest-rate-spread/
Japanese Bankers Association. "Loan to deposit spread in the domestic business of banks in Japan from fiscal year 2015 to 2024." Chart. June 29, 2025. ÌÇÐÄÆƽâ°æ. Accessed July 31, 2026. /statistics/1335982/japan-banks-loan-deposit-interest-rate-spread/
Japanese Bankers Association. (2025). Loan to deposit spread in the domestic business of banks in Japan from fiscal year 2015 to 2024. ÌÇÐÄÆƽâ°æ. ÌÇÐÄÆƽâ°æ Inc.. Accessed: July 31, 2026. /statistics/1335982/japan-banks-loan-deposit-interest-rate-spread/
Japanese Bankers Association. "Loan to Deposit Spread in The Domestic Business of Banks in Japan from Fiscal Year 2015 to 2024." ÌÇÐÄÆƽâ°æ, ÌÇÐÄÆƽâ°æ Inc., 29 Jun 2025, /statistics/1335982/japan-banks-loan-deposit-interest-rate-spread/
Japanese Bankers Association, Loan to deposit spread in the domestic business of banks in Japan from fiscal year 2015 to 2024 ÌÇÐÄÆƽâ°æ, /statistics/1335982/japan-banks-loan-deposit-interest-rate-spread/ (last visited July 31, 2026)
Loan to deposit spread in the domestic business of banks in Japan from fiscal year 2015 to 2024 [Graph], Japanese Bankers Association, June 29, 2025. [Online]. Available: /statistics/1335982/japan-banks-loan-deposit-interest-rate-spread/
