2005

Average Lending Rates of Commercial Banks^*/ (%)

Structure of Loans	2005
Structure of Loans	1	2	3	4	5	6	7	8	9	10	11	12**
TOTAL VOLUME OF LOANS	6.49	6.26	6.06	5.96	5.93	6.01	5.97	5.97	5.93	5.97	5.94	5.88
A) Loans by sector
of which
a) Enterprise sector	5.63	5.26	4.97	4.80	4.70	4.82	4.74	4.74	4.69	4.74	4.75	4.67
b) General government	5.26	5.24	4.35	4.12	3.98	4.26	4.32	4.29	4.28	4.23	4.22	4.10
c) Non-profit institutions	6.36	6.23	6.00	5.95	5.96	5.94	5.91	5.90	5.84	5.71	5.57	5.66
d) Households	8.03	7.96	7.97	7.93	7.94	7.91	7.88	7.85	7.82	7.81	7.76	7.73
B) Loans by term
of which
– Short-term	6.15	5.80	5.51	5.53	5.54	5.75	5.61	5.62	5.56	5.73	5.67	5.59
– Medium-term	7.86	7.54	7.39	7.45	7.40	7.48	7.44	7.39	7.41	7.38	7.33	7.35
– Long-term	5.90	5.77	5.63	5.45	5.40	5.43	5.45	5.45	5.43	5.41	5.45	5.39

NEW LOANS IN TOTAL	7.64	6.57	6.63	7.01	7.17	6.96	6.62	6.11	5.99	6.03	6.16	5.99
A) Loans by sector
of which
a) Enterprise sector	7.23	6.16	6.18	6.60	6.75	6.63	6.22	5.66	5.60	5.64	5.77	5.66
b) General government	6.09	6.74	8.62	6.33	3.83	5.36	4.84	5.20	4.52	4.95	4.37	4.65
c) Non-profit institutions	17.54	6.62	6.42	6.49	5.80	6.25	5.84	5.81	6.07	6.22	5.30	5.71
d) Households	11.77	12.11	11.57	11.22	11.12	10.62	10.38	10.57	10.87	10.97	10.95	11.02
B) Loans by term
of which
– Short-term	7.68	6.78	6.81	7.15	7.35	7.36	6.79	6.15	6.12	6.11	6.19	6.12
– Medium-term	7.31	4.83	5.70	6.10	6.31	5.76	5.68	5.88	5.73	5.82	6.06	5.38
– Long-term	7.42	6.28	5.25	6.10	5.87	4.71	5.42	5.54	4.75	5.05	5.72	4.91

*/ Excluding loans at zero interest rate ** Preliminary data

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