Economy March 24, 2026

ING Says BOJ Could Move on Rates in April Despite Cooling Headline Inflation

Analysts point to persistent core price pressures, robust wage gains and expansionary PMIs as rationale for an early tightening

By Priya Menon
ING Says BOJ Could Move on Rates in April Despite Cooling Headline Inflation

ING analysts argue the Bank of Japan may raise interest rates as soon as April, despite a softer headline CPI print in February. They highlight that core measures of inflation remain above the BOJ's 2% target, wages are rising strongly and business activity continues to expand, all of which increase the chances of a near-term policy move. The timing, they caution, will be sensitive to geopolitical developments in the Middle East and the knock-on effects on growth and inflation.

Key Points

  • Headline CPI eased to 1.3% year-on-year in February from 1.5% in January, largely because fresh food and utility prices fell amid government subsidies.
  • Core-core inflation remained at 2.5%, above the BOJ's 2% target, while the largest labour union group reported an average pay rise of 5.26%, reinforcing demand-side price pressures.
  • Business activity remains in expansionary territory with flash PMIs for March showing manufacturing at 51.4 and services at 52.8; ING views these factors as raising the likelihood of an April rate hike, with timing also dependent on developments in the Middle East.

Analysts at ING say the Bank of Japan (BOJ) could opt for a rate increase as early as April, even after Japan posted a softer headline inflation reading for February. While headline consumer price inflation eased to 1.3% year-on-year from 1.5% in January, much of that slowdown reflected declines in fresh food and utility costs tied to government subsidies.

ING's note stresses that policymakers are likely to focus on more persistent measures of price momentum rather than the headline slowdown. Core-core inflation, which strips out both food and energy, stayed elevated at 2.5%, holding above the BOJ's 2% target. The analysts flagged that this underlying firmness keeps upward pressure on price expectations despite the recent moderation in the overall CPI figure.

The research brief also pointed to wage dynamics as a significant supporting factor for inflation. Japan's largest labour union group reported an average pay increase of 5.26%, a pace ING views as consistent with continued demand-side pressure on prices.

Business activity indicators show some cooling but remain in expansion territory. Flash purchasing managers' index (PMI) readings for March show manufacturing activity retreating to 51.4, and services activity moderating to 52.8. ING sees these readings as evidence that the economy remains on an expansionary footing, even if momentum has softened slightly.

Balancing these inputs, ING concludes that the mix of sticky underlying inflation, solid wage growth and resilient business activity raises the probability of a near-term rate move. The analysts judged April to be slightly more likely than June for a hike, although they emphasized the decision will depend on how events in the Middle East influence both growth and inflation trajectories.

ING's assessment leaves open the central bank's room to respond to evolving conditions. The note underlines that headline CPI movements driven by temporary factors - such as fresh food and utility price subsidies - may not be decisive if core trends continue to point toward persistent inflationary pressure.


Summary: ING analysts see a higher probability of a BOJ rate increase in April, citing persistent core inflation at 2.5%, a 5.26% average pay rise reported by the largest labour union group, and expansionary PMIs (manufacturing 51.4, services 52.8), even though headline CPI slowed to 1.3% in February due partly to declines in fresh food and utility prices from government subsidies.

Risks

  • Geopolitical developments in the Middle East could alter growth and inflation dynamics, affecting the BOJ's timing for any rate move - this poses uncertainty for interest-rate-sensitive sectors.
  • The headline CPI slowdown was influenced by temporary declines in fresh food and utility prices due to government subsidies, which could mislead policymakers if over-weighted in decision-making.
  • A moderation in business activity, if it continues beyond the current flash PMIs, could reduce the urgency for tightening and impact manufacturing and services sector outlooks.

More from Economy

Markets Falter as Short-Lived Relief on Iran Developments Fades Mar 24, 2026 India's Private Sector Growth Slows to Three-Year Low as Middle East Conflict Fans Price Pressures Mar 24, 2026 China Frames Itself as a Reliable Economic Anchor Amid Global Strains at Beijing Forum Mar 24, 2026 Thai Exports Rise 9.9% in February, Falling Short of Forecasts Mar 23, 2026 Dollar Retreats as Trump Pauses Iran Power-Grid Strike, Markets Weigh Uncertainty Mar 23, 2026