Outstanding Loans, Commercial Banks, of Which: Household Sector Loans in Japan
Japan: Outstanding Loans, Commercial Banks, of Which: Household Sector Loans was 166.20 trillion in 2025. ▲ Rising
Outstanding Loans, Commercial Banks, of Which: Household Sector Loans in Japan, 2004–2025
Source: International Monetary Fund.
Analysis
Japan recorded 166.20 trillion for outstanding loans, commercial banks, of which: household sector loans in 2025. That is the highest value across all 22 years on record.
That represents a change of up 4.0% on the previous year and up 32.7% over ten years.
Over the whole period, outstanding loans, commercial banks, of which: household sector loans in Japan peaked at 166.20 trillion in 2025 and was at its lowest, 93.74 trillion, in 2004.
That places Japan 5th out of 134 countries with data for 2025, putting it in the top 10%.
The long-run direction has been consistently rising across the 22 years of available data.
Outstanding Loans, Commercial Banks, of Which: Household Sector Loans in Japan, year by year
| Year | Value | Change |
|---|---|---|
| 2004 | 93.74 trillion | — |
| 2005 | 95.06 trillion | +1.4% |
| 2006 | 99.64 trillion | +4.8% |
| 2007 | 101.10 trillion | +1.5% |
| 2008 | 104.01 trillion | +2.9% |
| 2009 | 107.43 trillion | +3.3% |
| 2010 | 110.71 trillion | +3.1% |
| 2011 | 112.81 trillion | +1.9% |
| 2012 | 114.85 trillion | +1.8% |
| 2013 | 118.28 trillion | +3.0% |
| 2014 | 122.01 trillion | +3.2% |
| 2015 | 125.20 trillion | +2.6% |
| 2016 | 127.94 trillion | +2.2% |
| 2017 | 132.33 trillion | +3.4% |
| 2018 | 135.78 trillion | +2.6% |
| 2019 | 138.71 trillion | +2.2% |
| 2020 | 141.53 trillion | +2.0% |
| 2021 | 145.25 trillion | +2.6% |
| 2022 | 149.63 trillion | +3.0% |
| 2023 | 154.00 trillion | +2.9% |
| 2024 | 159.85 trillion | +3.8% |
| 2025 | 166.20 trillion | +4.0% |
Japan compared with similar countries
- Japan's 166.20 trillion is above the median for high income countries, which is 248.79 billion, 668.0× the median. (52 countries reporting)
- Japan's 166.20 trillion is above the median for East Asia & Pacific, which is 299.94 billion, 554.1× the median. (18 countries reporting)
Averages by decade
| Decade | Average | Lowest | Highest | Years |
|---|---|---|---|---|
| 2000s | 100.16 trillion | 93.74 trillion | 107.43 trillion | 6 |
| 2010s | 123.86 trillion | 110.71 trillion | 138.71 trillion | 10 |
| 2020s | 152.74 trillion | 141.53 trillion | 166.20 trillion | 6 |
Countries ranked near Japan
More financial sector data for Japan
- Net domestic credit (current LCU), per capita 14.80 million current LCU per person (2025)
- Net domestic credit (current LCU), per unit of GDP 411.71 current LCU per US$ of GDP (2025)
- Net domestic credit (current LCU), annual growth rate -0.9434 % change on previous year (2025)
- Gold reserves at 35 SDRs per ounce 951.96 million SDR (2025)
- Gold reserves at market value 86.75 billion SDR (2025)
- Reserves excluding gold, foreign exchange 861.99 billion SDR (2025)
- Reserves excluding gold 914.64 billion SDR (2025)
- Total reserves (gold at market value) 1.00 trillion SDR (2025)
- Total reserves (gold at national valuation) 1.00 trillion SDR (2025)
- Total reserves (gold at national valuation) (SDR), per capita 8,108 SDR per person (2025)
Frequently asked questions
- What is outstanding loans, commercial banks, of which: household sector loans in Japan?
- Outstanding loans, commercial banks, of which: household sector loans in Japan was 166.20 trillion in 2025, according to International Monetary Fund.
- What is the highest outstanding loans, commercial banks, of which: household sector loans recorded in Japan?
- The highest recorded value was 166.20 trillion in 2025.
- What is the lowest outstanding loans, commercial banks, of which: household sector loans recorded in Japan?
- The lowest recorded value was 93.74 trillion in 2004.
- How does Japan rank for outstanding loans, commercial banks, of which: household sector loans?
- Japan ranks 5th out of 134 countries with data for 2025.
- Is outstanding loans, commercial banks, of which: household sector loans rising or falling in Japan?
- Over the last ten years it is up 32.7%. The long-run trend across the full record is rising.
- Where does this Japan data come from?
- The figures come from International Monetary Fund, published as part of Outstanding Loans, Commercial Banks, of Which: Household Sector Loans. Statizoid updates them automatically from the source API.
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About this data
Gender-disaggregated data on access to and use of financial services.