232323Average Contract Interest Rates on Loans and Discounts of Domestically Licensed Banks and Shinkin Banks (2010 to 2021)End of yearDomestically licensed banksEnd of yearDomestically licensed banksEnd of yearDomestically licensed banks 都市銀行City banks都市銀行City banks都市銀行City banksRegional banks1.6941.1780.8980.8580.828Short-term loans and discountsRegional banks1.8691.5590.8060.6670.607Long-term loans and discountsRegional banks1.7161.1470.8680.8390.809総合Total地方銀行総合Total#短期地方銀行総合Total#長期地方銀行 2) 1.9871.4151.0741.0130.977 2) 2.1451.6741.1350.9340.8472) 1.9751.3681.0300.9840.955(In percent per annum)信用金庫Shinkin banks地方銀行 IIRegional banks II信用金庫Shinkin banks地方銀行 IIRegional banks II信用金庫Shinkin banks地方銀行 IIRegional banks II1)2.3301.8141.5261.4581.4281)3)2.4632.0781.8311.7921.7771)4)2.2451.7221.4391.3911.365（単位 年パーセント）平成22年20102015令和元年201920202021平成22年20102015令和元年201920202021平成22年20102015令和元年2019202020211) 当座貸越を含む。 2) 日本銀行と取引のある銀行の銀行勘定の計数。整理回収機構、第二日本承継銀行（平成23年12月26日付で事業譲渡）及びゆうちょ銀行を除く。算出方法は利率別貸出残高を0.25％刻みで集計の上、下限金利を加重平均したもの。 3) 手形貸付と割引手形の金利を加重平均したもの。 4) 証書貸付の金利。1) Including overdrafts. 2) Domestically licensed banks are established under the Japanese legislation, and conducttransactions with the Bank of Japan. Figures exclude the Resolution and Collection Corporation, the Second Bridge Bank ofJapan (Business is transferred on 26 December, 2011) and the Japan Post Bank. The calculation method of loan amountoutstanding by interest rate is aggregated at intervals of 0.25 percent and the rates in between are rounded off to the lower rateand are average weighted. 3) Weighted average of loans on bills and bills discounts. 4) Rates of loans on deeds.資料 日本銀行「貸出約定平均金利」Source: Bank of Japan.年末国内銀行27年末国内銀行27年末国内銀行2716-17 国内銀行、信用金庫の貸出約定平均金利（平成22年～令和３年） 16 Finance and Insurance 3871.5511.1100.8610.8140.7951.3820.9560.7290.6840.6841.1870.7780.6020.4810.4750.7820.3770.4920.3880.4591.6461.0990.8090.7810.7611.5411.0190.6940.6700.662
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