These news summaries highlight a few key business and economic trends. **Japanese banks are adjusting mortgage interest rates**, with major institutions lowering fixed rates due to bond yield changes while keeping variable rates steady despite prior increases. Concurrently, **some major Japanese banks like Mitsubishi UFJ and Resona Holdings anticipate record profits**, attributing this to improved lending margins following interest rate hikes. In the technology and automotive sector, **Toyota is partnering with Waymo on autonomous vehicle development**, aiming to accelerate progress by collaborating on vehicle platforms. Finally, the reports note **a significant downturn in the profitability of Chinese companies for the second consecutive year**, citing factors such as a struggling property market, slowing consumer spending, and potential impacts on the global economy.