貸付 / 地方銀行 — 日本の貸出約定平均金利

Name: 貸付 / 地方銀行 — 日本の貸出約定平均金利
Creator: 日本銀行「時系列統計データ検索サイト」

2026年8月の日本の貸出約定平均金利 — 貸付 / 地方銀行は1.37%（年率）でした（日本銀行「時系列統計データ検索サイト」）. この指標は統計表「貸出約定平均金利」に含まれています。1976年1月から2026年8月までの全期間の系列を収録しています. 全期間の系列をインタラクティブなグラフ付きで無料ダウンロードできます。

出典：日本銀行「時系列統計データ検索サイト」最終更新： 2026年10月08日 02:13 UTC編集 Bui Thanh Phuc

グラフのデータを読み込み中…

統計表「貸出約定平均金利」でのこの指標

指標	08-2026	07-2026	06-2026	05-2026	04-2026	03-2026	02-2026	01-2026	12-2025	11-2025
(3)種類別(ストックベース)
貸付 / 地方銀行	1.37	1.34	1.31	1.23	1.22	1.2	1.16	1.12	1.11	1.08
貸付 / 地方銀行II	1.47	1.43	1.4	1.33	1.32	1.3	1.26	1.22	1.21	1.19

貸付 / 地方銀行の年別データ

年	平均	±	最高	最低	T1	T2	T3	T4	T5	T6	T7	T8	T9	T10	T11	T12
2026	1.25	+0.22 pp	1.37	1.12	1.12+0.22 pp	1.16+0.24 pp	1.2+0.24 pp	1.22+0.23 pp	1.23+0.24 pp	1.31+0.26 pp	1.34+0.28 pp	1.37+0.31 pp	·	·	·	·
2025	1.02	+0.22 pp	1.11	0.9	0.9+0.13 pp	0.92+0.15 pp	0.96+0.18 pp	0.98+0.2 pp	0.99+0.2 pp	1.05+0.26 pp	1.06+0.26 pp	1.06+0.25 pp	1.07+0.25 pp	1.08+0.24 pp	1.08+0.24 pp	1.11+0.22 pp
2024	0.81	+0.04 pp	0.89	0.77	0.77−0 pp	0.77+0 pp	0.78+0.01 pp	0.78+0.01 pp	0.79+0.02 pp	0.79+0.03 pp	0.8+0.03 pp	0.81+0.04 pp	0.82+0.05 pp	0.84+0.07 pp	0.84+0.07 pp	0.89+0.12 pp
2023	0.77	−0.01 pp	0.77	0.77	0.77−0.02 pp	0.77−0.02 pp	0.77−0.02 pp	0.77−0.02 pp	0.77−0.01 pp	0.77−0.01 pp	0.77−0.01 pp	0.77−0.01 pp	0.77−0.01 pp	0.77−0.01 pp	0.77−0 pp	0.77−0 pp
2022	0.78	−0.03 pp	0.8	0.77	0.8−0.03 pp	0.79−0.03 pp	0.79−0.03 pp	0.79−0.03 pp	0.78−0.03 pp	0.78−0.03 pp	0.78−0.03 pp	0.78−0.03 pp	0.78−0.03 pp	0.77−0.03 pp	0.77−0.03 pp	0.77−0.02 pp
2021	0.81	−0.03 pp	0.83	0.8	0.83−0.03 pp	0.82−0.03 pp	0.82−0.03 pp	0.82−0.03 pp	0.81−0.02 pp	0.81−0.02 pp	0.81−0.02 pp	0.81−0.02 pp	0.8−0.03 pp	0.8−0.03 pp	0.8−0.03 pp	0.8−0.03 pp
2020	0.84	−0.04 pp	0.86	0.83	0.86−0.05 pp	0.86−0.05 pp	0.85−0.05 pp	0.85−0.05 pp	0.84−0.05 pp	0.83−0.05 pp	0.83−0.05 pp	0.83−0.04 pp	0.83−0.04 pp	0.83−0.04 pp	0.83−0.04 pp	0.83−0.04 pp
2019	0.88	−0.06 pp	0.91	0.86	0.91−0.06 pp	0.9−0.06 pp	0.89−0.06 pp	0.89−0.06 pp	0.89−0.06 pp	0.88−0.06 pp	0.88−0.05 pp	0.87−0.05 pp	0.87−0.05 pp	0.87−0.05 pp	0.87−0.05 pp	0.86−0.05 pp
2018	0.94	−0.07 pp	0.97	0.91	0.97−0.07 pp	0.97−0.07 pp	0.96−0.07 pp	0.95−0.07 pp	0.94−0.06 pp	0.94−0.07 pp	0.93−0.06 pp	0.93−0.06 pp	0.92−0.06 pp	0.92−0.06 pp	0.92−0.06 pp	0.91−0.06 pp
2017	1	−0.09 pp	1.04	0.97	1.04−0.12 pp	1.03−0.12 pp	1.02−0.11 pp	1.02−0.1 pp	1.01−0.09 pp	1−0.09 pp	1−0.08 pp	0.99−0.08 pp	0.99−0.08 pp	0.98−0.07 pp	0.98−0.07 pp	0.97−0.07 pp
2016	1.09	−0.11 pp	1.16	1.05	1.16−0.09 pp	1.15−0.09 pp	1.13−0.1 pp	1.12−0.1 pp	1.1−0.11 pp	1.09−0.11 pp	1.08−0.12 pp	1.07−0.12 pp	1.06−0.12 pp	1.06−0.12 pp	1.05−0.12 pp	1.05−0.12 pp
2015	1.2	−0.1 pp	1.25	1.17	1.25−0.1 pp	1.25−0.1 pp	1.23−0.1 pp	1.22−0.1 pp	1.21−0.1 pp	1.2−0.1 pp	1.2−0.1 pp	1.19−0.1 pp	1.19−0.1 pp	1.18−0.1 pp	1.17−0.1 pp	1.17−0.09 pp
2014	1.31	−0.11 pp	1.36	1.26	1.36−0.12 pp	1.35−0.12 pp	1.33−0.11 pp	1.32−0.11 pp	1.31−0.11 pp	1.31−0.11 pp	1.3−0.1 pp	1.29−0.1 pp	1.29−0.1 pp	1.28−0.1 pp	1.27−0.1 pp	1.26−0.1 pp
2013	1.41	−0.12 pp	1.47	1.36	1.47−0.12 pp	1.47−0.12 pp	1.44−0.13 pp	1.44−0.13 pp	1.42−0.13 pp	1.41−0.13 pp	1.4−0.13 pp	1.4−0.12 pp	1.38−0.13 pp	1.38−0.12 pp	1.37−0.12 pp	1.36−0.12 pp
2012	1.54	−0.13 pp	1.6	1.48	1.6−0.12 pp	1.59−0.12 pp	1.57−0.12 pp	1.56−0.12 pp	1.55−0.13 pp	1.54−0.13 pp	1.53−0.13 pp	1.52−0.13 pp	1.51−0.13 pp	1.5−0.13 pp	1.49−0.13 pp	1.48−0.13 pp
2011	1.66	−0.12 pp	1.72	1.61	1.72−0.11 pp	1.71−0.12 pp	1.69−0.12 pp	1.68−0.12 pp	1.68−0.12 pp	1.67−0.12 pp	1.66−0.12 pp	1.65−0.11 pp	1.64−0.12 pp	1.63−0.12 pp	1.62−0.11 pp	1.61−0.12 pp
2010	1.78	−0.13 pp	1.83	1.73	1.83−0.17 pp	1.83−0.15 pp	1.81−0.14 pp	1.8−0.14 pp	1.79−0.14 pp	1.79−0.11 pp	1.77−0.11 pp	1.76−0.11 pp	1.75−0.11 pp	1.74−0.11 pp	1.73−0.12 pp	1.73−0.11 pp
2009	1.91	−0.17 pp	2.01	1.84	2.01−0.1 pp	1.98−0.12 pp	1.95−0.13 pp	1.94−0.14 pp	1.93−0.14 pp	1.89−0.18 pp	1.88−0.19 pp	1.88−0.2 pp	1.86−0.2 pp	1.86−0.21 pp	1.85−0.21 pp	1.84−0.19 pp
2008	2.07	+0.01 pp	2.11	2.03	2.11+0.1 pp	2.1+0.09 pp	2.09+0.07 pp	2.08+0.03 pp	2.08+0.01 pp	2.08−0.01 pp	2.07−0.02 pp	2.07−0.02 pp	2.07−0.03 pp	2.07−0.03 pp	2.06−0.04 pp	2.03−0.08 pp
2007	2.07	+0.14 pp	2.11	2	2+0.09 pp	2.01+0.1 pp	2.02+0.13 pp	2.05+0.17 pp	2.06+0.17 pp	2.08+0.19 pp	2.09+0.19 pp	2.1+0.17 pp	2.1+0.15 pp	2.1+0.13 pp	2.1+0.13 pp	2.11+0.11 pp
2006	1.92	−0.04 pp	2	1.89	1.91−0.11 pp	1.91−0.1 pp	1.89−0.1 pp	1.89−0.09 pp	1.89−0.08 pp	1.9−0.06 pp	1.9−0.05 pp	1.92−0.03 pp	1.96+0.02 pp	1.97+0.04 pp	1.98+0.05 pp	2+0.08 pp
2005	1.96	−0.1 pp	2.02	1.91	2.02−0.1 pp	2.01−0.09 pp	1.99−0.08 pp	1.98−0.09 pp	1.97−0.09 pp	1.96−0.1 pp	1.96−0.1 pp	1.95−0.11 pp	1.93−0.11 pp	1.93−0.11 pp	1.92−0.11 pp	1.91−0.11 pp
2004	2.06	−0.08 pp	2.11	2.02	2.11−0.05 pp	2.1−0.06 pp	2.07−0.07 pp	2.07−0.08 pp	2.07−0.08 pp	2.06−0.07 pp	2.06−0.07 pp	2.06−0.07 pp	2.04−0.08 pp	2.04−0.08 pp	2.04−0.08 pp	2.02−0.1 pp
2003	2.14	−0.07 pp	2.16	2.12	2.16−0.08 pp	2.16−0.07 pp	2.15−0.07 pp	2.15−0.05 pp	2.14−0.05 pp	2.13−0.07 pp	2.13−0.08 pp	2.13−0.08 pp	2.12−0.07 pp	2.12−0.07 pp	2.12−0.07 pp	2.12−0.05 pp
2002	2.2	−0.12 pp	2.24	2.17	2.24−0.17 pp	2.23−0.17 pp	2.21−0.17 pp	2.2−0.16 pp	2.2−0.15 pp	2.2−0.12 pp	2.21−0.09 pp	2.2−0.09 pp	2.19−0.08 pp	2.19−0.08 pp	2.19−0.08 pp	2.17−0.08 pp
2001	2.32	−0.1 pp	2.41	2.25	2.41−0.04 pp	2.4−0.04 pp	2.38−0.04 pp	2.36−0.06 pp	2.34−0.09 pp	2.32−0.1 pp	2.3−0.11 pp	2.3−0.1 pp	2.27−0.13 pp	2.27−0.13 pp	2.27−0.14 pp	2.25−0.16 pp
2000	2.42	−0.08 pp	2.45	2.4	2.45−0.09 pp	2.44−0.1 pp	2.42−0.1 pp	2.43−0.09 pp	2.43−0.09 pp	2.42−0.08 pp	2.41−0.09 pp	2.4−0.09 pp	2.4−0.08 pp	2.4−0.07 pp	2.4−0.07 pp	2.41−0.05 pp
1999	2.5	−0.09 pp	2.54	2.46	2.54−0.1 pp	2.54−0.09 pp	2.52−0.08 pp	2.52−0.08 pp	2.52−0.09 pp	2.5−0.1 pp	2.5−0.1 pp	2.49−0.09 pp	2.48−0.09 pp	2.48−0.09 pp	2.47−0.08 pp	2.46−0.08 pp
1998	2.59	−0.13 pp	2.63	2.54	2.63−0.16 pp	2.63−0.15 pp	2.61−0.15 pp	2.61−0.14 pp	2.61−0.14 pp	2.6−0.13 pp	2.59−0.13 pp	2.59−0.12 pp	2.57−0.11 pp	2.57−0.11 pp	2.55−0.11 pp	2.54−0.1 pp
1997	2.72	−0.17 pp	2.79	2.64	2.79−0.18 pp	2.78−0.17 pp	2.75−0.16 pp	2.75−0.16 pp	2.75−0.17 pp	2.73−0.17 pp	2.72−0.17 pp	2.71−0.17 pp	2.69−0.18 pp	2.68−0.18 pp	2.67−0.17 pp	2.64−0.16 pp
1996	2.89	−0.83 pp	2.97	2.8	2.97−1.23 pp	2.95−1.24 pp	2.91−1.24 pp	2.9−1.22 pp	2.92−1.04 pp	2.9−0.88 pp	2.89−0.79 pp	2.88−0.68 pp	2.87−0.56 pp	2.85−0.43 pp	2.84−0.36 pp	2.8−0.23 pp
1995	3.71	−0.54 pp	4.2	3.02	4.2−0.24 pp	4.19−0.14 pp	4.15−0.12 pp	4.13−0.14 pp	3.95−0.31 pp	3.78−0.46 pp	3.68−0.54 pp	3.56−0.66 pp	3.43−0.77 pp	3.29−0.91 pp	3.19−1 pp	3.02−1.17 pp
1994	4.25	−0.81 pp	4.43	4.19	4.43−1.12 pp	4.33−1.14 pp	4.27−0.97 pp	4.26−0.89 pp	4.26−0.87 pp	4.24−0.85 pp	4.22−0.83 pp	4.21−0.82 pp	4.2−0.74 pp	4.2−0.64 pp	4.19−0.49 pp	4.19−0.35 pp
1993	5.06	−1.09 pp	5.56	4.54	5.56−1.29 pp	5.47−1.2 pp	5.24−1.29 pp	5.16−1.24 pp	5.13−1.12 pp	5.09−1.06 pp	5.05−1.04 pp	5.03−0.95 pp	4.94−0.89 pp	4.84−0.93 pp	4.69−1.04 pp	4.54−1.07 pp
1992	6.15	−1.41 pp	6.84	5.62	6.84−0.87 pp	6.67−1.05 pp	6.53−1.17 pp	6.39−1.27 pp	6.25−1.39 pp	6.14−1.49 pp	6.09−1.57 pp	5.98−1.67 pp	5.83−1.76 pp	5.76−1.68 pp	5.73−1.6 pp	5.62−1.43 pp
1991	7.57	+0.69 pp	7.72	7.04	7.72+1.76 pp	7.72+1.53 pp	7.7+1.3 pp	7.67+1.06 pp	7.65+0.87 pp	7.63+0.79 pp	7.66+0.78 pp	7.65+0.67 pp	7.59+0.41 pp	7.44−0.04 pp	7.32−0.22 pp	7.04−0.66 pp
1990	6.88	+1.54 pp	7.71	5.96	5.96+0.81 pp	6.19+1.04 pp	6.4+1.26 pp	6.61+1.45 pp	6.78+1.59 pp	6.84+1.61 pp	6.88+1.56 pp	6.97+1.57 pp	7.18+1.72 pp	7.49+1.97 pp	7.55+1.95 pp	7.71+1.95 pp
1989	5.34	+0.17 pp	5.76	5.14	5.15−0.05 pp	5.15−0.04 pp	5.14−0.01 pp	5.16−0.01 pp	5.19+0 pp	5.24+0.06 pp	5.33+0.17 pp	5.41+0.24 pp	5.46+0.3 pp	5.51+0.34 pp	5.6+0.43 pp	5.76+0.61 pp
1988	5.17	−0.22 pp	5.2	5.15	5.2−0.59 pp	5.19−0.54 pp	5.16−0.43 pp	5.17−0.33 pp	5.18−0.25 pp	5.17−0.16 pp	5.16−0.1 pp	5.17−0.06 pp	5.16−0.02 pp	5.17−0.05 pp	5.16−0.06 pp	5.15−0.05 pp
1987	5.39	−0.82 pp	5.8	5.19	5.8−0.87 pp	5.73−0.9 pp	5.59−0.91 pp	5.5−0.91 pp	5.43−0.88 pp	5.33−0.85 pp	5.26−0.83 pp	5.23−0.82 pp	5.19−0.79 pp	5.22−0.76 pp	5.22−0.72 pp	5.2−0.63 pp
1986	6.21	−0.51 pp	6.66	5.83	6.66−0.12 pp	6.63−0.14 pp	6.5−0.24 pp	6.41−0.34 pp	6.31−0.45 pp	6.18−0.57 pp	6.09−0.64 pp	6.05−0.67 pp	5.98−0.7 pp	5.98−0.71 pp	5.94−0.74 pp	5.83−0.83 pp
1985	6.72	−0.16 pp	6.78	6.66	6.78−0.2 pp	6.77−0.19 pp	6.74−0.18 pp	6.75−0.17 pp	6.76−0.15 pp	6.75−0.14 pp	6.73−0.14 pp	6.72−0.15 pp	6.68−0.15 pp	6.69−0.16 pp	6.67−0.15 pp	6.66−0.12 pp
1984	6.88	−0.35 pp	6.98	6.78	6.98−0.34 pp	6.96−0.35 pp	6.91−0.37 pp	6.92−0.36 pp	6.92−0.38 pp	6.89−0.38 pp	6.87−0.38 pp	6.86−0.37 pp	6.84−0.37 pp	6.84−0.37 pp	6.82−0.31 pp	6.78−0.24 pp
1983	7.23	−0.21 pp	7.32	7.02	7.32−0.33 pp	7.31−0.25 pp	7.28−0.21 pp	7.29−0.19 pp	7.29−0.17 pp	7.26−0.16 pp	7.25−0.15 pp	7.24−0.15 pp	7.21−0.16 pp	7.21−0.17 pp	7.13−0.22 pp	7.02−0.31 pp
1982	7.44	−0.49 pp	7.65	7.32	7.65−0.55 pp	7.56−0.61 pp	7.49−0.63 pp	7.47−0.56 pp	7.46−0.5 pp	7.42−0.46 pp	7.4−0.45 pp	7.38−0.44 pp	7.37−0.44 pp	7.38−0.43 pp	7.35−0.44 pp	7.32−0.4 pp
1981	7.93	−0.26 pp	8.2	7.73	8.2+0.95 pp	8.17+0.83 pp	8.13+0.5 pp	8.04+0.05 pp	7.96−0.37 pp	7.89−0.68 pp	7.85−0.81 pp	7.83−0.83 pp	7.81−0.78 pp	7.8−0.74 pp	7.79−0.65 pp	7.73−0.56 pp
1980	8.19	+1.58 pp	8.66	7.25	7.25+0.84 pp	7.34+0.96 pp	7.63+1.3 pp	7.99+1.65 pp	8.33+1.93 pp	8.56+2.12 pp	8.66+2.16 pp	8.66+2.02 pp	8.59+1.81 pp	8.54+1.65 pp	8.44+1.43 pp	8.29+1.14 pp
1979	6.61	−0.23 pp	7.15	6.32	6.41−0.87 pp	6.38−0.86 pp	6.32−0.82 pp	6.35−0.72 pp	6.4−0.53 pp	6.44−0.36 pp	6.5−0.23 pp	6.64−0.05 pp	6.78+0.18 pp	6.89+0.31 pp	7.01+0.49 pp	7.15+0.71 pp
1978	6.84	−1.1 pp	7.28	6.44	7.28−1.1 pp	7.24−1.14 pp	7.15−1.2 pp	7.07−1.25 pp	6.93−1.25 pp	6.81−1.2 pp	6.74−1.15 pp	6.68−1.1 pp	6.61−1.05 pp	6.58−0.97 pp	6.52−0.91 pp	6.44−0.87 pp
1977	7.93	−0.54 pp	8.38	7.31	8.38−0.22 pp	8.37−0.19 pp	8.35−0.18 pp	8.31−0.19 pp	8.19−0.3 pp	8.01−0.46 pp	7.89−0.56 pp	7.79−0.65 pp	7.66−0.76 pp	7.55−0.88 pp	7.42−0.98 pp	7.31−1.07 pp
1976	8.47	·	8.6	8.39	8.6	8.56	8.52	8.5	8.49	8.47	8.45	8.43	8.42	8.42	8.41	8.39

51年分のデータ（単位：%（年率））。平均列は年内各期の平均値、±は前年との比較です。各セルの下の小さな数字は前年比の変化（パーセントポイント）です。全期間の系列はページ上部のグラフ、または貸出約定平均金利の統計表でご覧いただけます。