The Bank of Japan has released its average contract interest rates on loans and discounts for July 2026. The data shows the year-on-year dynamics of credit and deposit trends among different institution groups, including major, regional, and foreign banks. According to the report, the average contract interest rate on loans and discounts was 0.74% in July, down 0.01 percentage points from the previous month. The year-on-year change in loans and discounts was 2.1%, with major banks seeing a 1.8% increase, regional banks a 2.5% increase, and foreign banks a 3.1% increase. Deposits, on the other hand, saw a year-on-year increase of 2.5%, with major banks experiencing a 2.3% increase, regional banks a 2.7% increase, and foreign banks a 3.5% increase. The data indicates that bank lending and funding continue to grow, albeit at a moderate pace. The difference in credit dynamics between major and regional banks suggests that regional banks are taking on more risk in their lending activities. The Bank of Japan's data provides valuable insights into the Japanese banking sector's trends and developments. The report is available on the Bank of Japan's website and will be uploaded to the "BOJ Time-Series Data Search" on or after the next business day. The Banking Statistics Group, Financial Data Division, Financial System and Bank Examination Department can be contacted for inquiries at Tel: 03-3277-1581 or E-mail: post.bsd6@boj.or.jp.