Japan’s bank lending rose 4.1% in October 2025, up from a 3.8% gain in September, matching the consensus forecast and marking the fastest pace since April 2021. Total outstanding loans across major, regional, and shinkin banks reached ¥650.8 trillion. Major banks led the expansion with a 4.9% increase, followed by regional banks at 4.2%. Shinkin banks, local cooperative lenders serving small businesses and communities, recorded a more modest 1.5% rise, indicating softer credit demand in certain parts of the economy.
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