Average Commercial Banks Interest Rates on New Loans

Average Commercial Banks Interest Rates on New Loans

 Tolar loans Loans in EUR 
Short term loansLong term loansShort term loansLong term loans
Consumer loans to householdsLoans to non-financial corporations for current assetsConsumer loans to households  House purchases loans to householdsLoans to non-financial corporations for current assetsLoans to non-financial corporations for capital assetsLoans to non-financial corporations for current assetsLoans to non-financial corporations for capital assets
 NOMNOMNOMTOMDTOMDNOMNOMNOMNOM
 nnnnnnnnnrr
Stolpec1234567891011
20039,28,910,411,88,910,28,38,69,23,53,7
20047,06,58,09,26,87,36,26,26,13,23,4
20056,15,46,68,35,36,04,85,55,33,23,4
20066,25,07,2-6,15,55,45,25,24,04,3
            
2006 dec6,24,76,9-5,64,85,85,35,14,74,6
2006 nov5,85,07,1-6,43,95,75,25,24,64,6
2006 okt6,04,97,1-6,25,05,84,95,04,54,4
2006 sep5,75,07,1-6,46,45,44,35,34,24,5
2006 avg6,05,17,26,55,45,44,75,64,24,4
2006 jul6,35,07,1-6,55,65,45,55,04,24,4
2006 jun5,95,07,16,06,75,45,45,84,04,3
2006 maj6,05,17,1-6,15,65,35,45,13,94,2
2006 apr5,95,17,3...6,25,55,45,64,73,74,3
2006 mar6,65,07,4...6,15,75,15,25,13,64,2
2006 feb6,84,97,5...5,65,65,15,25,03,53,8
2006 jan7,05,17,59,95,65,85,16,05,23,43,8
            
2005 dec5,65,25,77,75,95,54,54,65,23,53,6
2005 nov6,15,26,59,15,06,74,54,54,23,23,6
2005 okt6,25,76,19,25,76,84,85,55,63,23,4
2005 sept6,75,36,87,85,35,54,75,75,23,13,2
2005 avg6,05,56,87,84,85,44,85,95,13,23,9
2005 julij6,25,46,87,84,65,44,95,95,73,23,1
2005 junij6,05,46,87,84,95,24,75,35,43,13,0
2005 maj6,05,26,87,75,35,24,85,54,93,13,5
2005 apr6,25,46,89,24,96,75,06,36,03,23,2
2005 mar5,95,56,67,85,75,75,05,75,33,13,2
2005 feb6,25,66,88,95,27,05,05,65,83,23,4
2005 jan6,25,47,18,76,06,75,25,05,03,23,4
            
2004 dec6,05,76,88,85,36,75,25,05,13,03,2
2004 nov6,35,87,58,85,76,85,15,44,53,13,5
2004 okt6,65,97,48,75,46,75,05,45,03,33,5
2004 sept6,76,17,58,85,76,75,05,65,83,23,5
2004 avg6,86,37,58,85,76,65,15,15,23,03,3
2004 jul6,86,17,58,98,06,57,15,95,63,33,4
2004 jun7,16,37,89,18,67,37,66,96,33,23,2
2004 maj7,56,78,99,36,87,26,37,37,03,13,4
2004 apr7,26,88,49,47,07,56,76,77,13,23,1
2004 mar7,57,18,59,17,77,47,18,05,73,33,3
2004 feb8,17,48,710,67,49,06,76,98,03,23,0
2004 jan7,67,29,110,48,78,77,76,87,93,23,2
2003  dec7,87,89,110,58,38,77,66,38,13,33,3
2003 nov8,37,69,110,78,58,87,87,77,43,33,5
2003  okt8,47,99,510,78,88,97,96,57,13,33,7
2003  sept8,88,29,712,27,410,46,98,87,43,33,2
2003  avg8,88,69,912,18,810,48,08,78,63,23,7
2003 jul9,38,79,812,19,310,48,79,49,93,23,2
2003  jun9,29,19,912,18,610,58,29,59,63,33,3
2003  maj9,59,210,510,89,29,08,58,510,03,53,4
2003  apr9,79,310,812,28,910,58,36,710,03,64,1
2003  mar10,09,711,112,49,210,58,410,410,63,84,1
2003  feb10,510,412,612,49,812,39,39,710,53,94,4
2003 jan10,510,212,713,610,312,39,610,311,64,04,1

Notes:

Interest rate on new business is a nominal interest rate increased by a sum of base interest rate or interest rate bounded to the euro exchange clause and subsidy p.a. Average interest rate on new business does not include any administrative or other costs.

Methodological framework

Average interest rates on new loans are calculated on a basis of the data of the eight biggest banks, selected by balance-sheet-total criterion. New loans represent new contracts in the reference month. Data for consumer loans to households is collected on the representative sample of new loans (limited number of reports, min/max value). Any automatically changed conditions of lending contracts do not represent new business.

Interest rate on new business is a nominal interest rate increased by a sum of base interest rate or interest rate bounded to the euro exchange clause and subsidy per annum. Average interest rate on new business does not include any administrative or other costs.

All the interest rates are nominal weighted arithmetic averages, where value of certain type of loan represents the weight, except for foreign currency loans where the growth of foreign exchange rate is not taken into consideration.

The interest rates are presented separately, according to their type:

  • NOM = a nominal interest rate, without indexation,
  • TOM = an interest rate is bound to the base interest rate (TOM),
  • D = an interest rate is bound to the euro exchange clause.

The annual averages are computed as simple arithmetic averages of monthly data.

Notes:

Interest rate on new business is a nominal interest rate increased by a sum of base interest rate or interest rate bounded to the euro exchange clause and subsidy p.a. Average interest rate on new business does not include any administrative or other costs.