What are the new Japan Post Bank time-deposit rates and when do they start?

Time-deposit yields will increase to 0.375%–0.700% starting February 9. The new range applies across maturities and reflects rising competition for deposits as policy normalization expectations build in Japan. Savers get higher fixed returns, while banks face higher funding costs until asset yields adjust.

How could higher deposit rates affect 7182.T earnings?

Raising time-deposit rates can increase interest expenses and compress net interest margins in the short run if loan and securities yields do not reprice as quickly. Offsetting factors include larger deposit balances, longer funding tenors, and investment gains. Management guidance on duration and hedging will be key.

Is the stock overbought after the rate news?

Technical indicators point to strong momentum and potential overbought conditions. RSI is 77.61 and ADX is 58.29. Shares trade near the 52-week high. That can limit near-term upside and raises pullback risk, even if the long-term story improves. Position sizing and staggered entries can help manage volatility.

What should savers consider before choosing a term deposit now?

Match the term to planned cash needs, compare the exact rates by maturity, and consider a ladder so not all funds mature at once. If rates rise again, reinvesting maturing tranches can capture higher yields. Check fees and early withdrawal rules before committing funds to longer tenors.

Global Market Insights

7182.T Stock Today: February 08 — Raises Term-Deposit Rates to 0.7%

ByDanny Kontos February 8, 2026

Japan Post Bank interest rates are set to rise on February 9, lifting time-deposit yields to 0.375%–0.700%. On February 8, the market focused on how this step could shift deposits and funding costs. Japan Post Bank (7182.T) trades near its 52-week high as expectations for policy normalization grow in Japan. We explain the new term deposit rates, what they signal for margins, how the stock screens on valuation and momentum, and what to watch into earnings on February 13.