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2008
Interest rates for outstanding amounts and new business of loans in the Slovak koruna*/
(in % per annum)
| Structure of Loans | 2008 | |||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | 2 | 3 | 4 | 5 | 6 | 7 | 8 | 9 | 10 | 11 | 12 | |
| Total Outstanding amounts 1/ | 6.86 | 6.83 | 6.81 | 6.82 | 6.82 | 6.89 | 6.90 | 6.92 | 6.92 | 6.90 | 6.80 | 6.58 |
| a) Non-financial corporations S.11 | 5.80 | 5.76 | 5.73 | 5.77 | 5.75 | 5.90 | 5.89 | 5.93 | 5.88 | 5.81 | 5.55 | 5.08 |
| incl: | ||||||||||||
| – up to 1 year | 5.76 | 5.70 | 5.65 | 5.71 | 5.70 | 5.94 | 5.90 | 5.97 | 5.86 | 5.75 | 5.44 | 4.99 |
| – from 1 to 5 years | 6.05 | 6.04 | 6.04 | 6.05 | 6.06 | 6.12 | 6.13 | 6.13 | 6.15 | 6.08 | 5.74 | 5.32 |
| – over 5 years | 5.71 | 5.69 | 5.67 | 5.68 | 5.64 | 5.73 | 5.74 | 5.76 | 5.74 | 5.71 | 5.57 | 5.02 |
| b) Households S.14+S.15 | 8.23 | 8.20 | 8.18 | 8.15 | 8.12 | 8.10 | 8.11 | 8.13 | 8.15 | 8.14 | 8.15 | 8.08 |
| incl: | ||||||||||||
| loans for house purchases 4/ | 6.49 | 6.46 | 6.42 | 6.40 | 6.37 | 6.36 | 6.35 | 6.36 | 6.36 | 6.36 | 6.40 | 6.38 |
| – up to 1 year | 6.18 | 6.15 | 6.14 | 6.13 | 6.11 | 6.17 | 6.13 | 6.09 | 6.07 | 6.18 | 6.11 | 6.01 |
| – from 1 to 5 years | 6.69 | 6.66 | 6.64 | 6.60 | 6.57 | 6.53 | 6.45 | 6.45 | 6.44 | 6.43 | 6.42 | 6.40 |
| – over 5 years | 6.47 | 6.44 | 6.40 | 6.38 | 6.36 | 6.35 | 6.35 | 6.35 | 6.35 | 6.36 | 6.40 | 6.38 |
| consumer credits and other loans 5/ | 11.45 | 11.43 | 11.35 | 11.32 | 11.24 | 11.18 | 11.20 | 11.26 | 11.28 | 11.28 | 11.25 | 11.15 |
| – up to 1 year | 14.00 | 14.04 | 13.93 | 13.91 | 13.91 | 13.87 | 13.85 | 14.09 | 14.06 | 14.05 | 14.00 | 13.78 |
| – from 1 to 5 years | 13.82 | 13.82 | 13.75 | 13.81 | 13.68 | 13.65 | 13.66 | 13.69 | 13.73 | 13.76 | 13.69 | 13.59 |
| – over 5 years | 8.50 | 8.51 | 8.53 | 8.56 | 8.54 | 8.53 | 8.70 | 8.75 | 8.86 | 8.93 | 8.97 | 9.00 |
| Total New business 2/ | 7.02 | 7.64 | 7.52 | 7.06 | 7.07 | 6.56 | 7.79 | 8.00 | 7.61 | 7.22 | 6.86 | 6.35 |
| a) Non-financial corporations S.11 | 5.59 | 5.66 | 5.72 | 5.53 | 5.67 | 5.66 | 5.82 | 5.74 | 5.72 | 5.93 | 5.02 | 4.64 |
| incl: | ||||||||||||
| – floating rate and IRF up to 1 yeara | 5.54 | 5.66 | 5.73 | 5.53 | 5.65 | 5.64 | 5.81 | 5.72 | 5.69 | 5.90 | 4.97 | 4.36 |
| – IRF over 1 and up to 5 years | 6.61 | 5.82 | 6.30 | 6.38 | 6.56 | 5.82 | 6.47 | 6.43 | 6.94 | 7.37 | 6.04 | 7.38 |
| – IRF over 5 years | 7.19 | 5.94 | 5.18 | 5.98 | 6.06 | 6.20 | 6.01 | 6.59 | 6.91 | 6.55 | 5.81 | 7.45 |
| b) Households S.14+S.15 | 10.89 | 10.87 | 10.42 | 9.91 | 10.09 | 10.01 | 10.13 | 11.02 | 10.72 | 10.49 | 11.44 | 11.20 |
| incl: | ||||||||||||
| loans for house purchases | 6.12 | 6.12 | 6.06 | 6.05 | 6.12 | 6.20 | 6.32 | 6.52 | 6.38 | 6.35 | 6.44 | 6.49 |
| – floating rate and IRF up to 1 yeara | 5.98 | 5.99 | 5.93 | 5.94 | 5.98 | 6.03 | 6.12 | 6.27 | 6.23 | 6.30 | 6.28 | 6.31 |
| – IRF over 1 and up to 5 years | 6.12 | 6.16 | 6.17 | 6.04 | 5.98 | 6.01 | 6.20 | 6.44 | 6.31 | 6.23 | 6.38 | 6.45 |
| – IRF over 5 years | 8.88 | 8.64 | 8.75 | 8.52 | 8.69 | 8.81 | 8.62 | 8.78 | 8.00 | 7.50 | 7.61 | 7.47 |
| consumer credits and other loans | 14.67 | 14.64 | 13.97 | 13.85 | 13.79 | 13.70 | 13.51 | 14.40 | 14.19 | 14.14 | 14.88 | 14.64 |
| – floating rate and IRF up to 1 yeara | 14.90 | 14.94 | 14.14 | 14.17 | 14.31 | 14.11 | 13.82 | 14.79 | 14.61 | 14.86 | 15.80 | 15.25 |
| – IRF over 1 and up to 5 years | 13.14 | 12.76 | 13.11 | 12.26 | 11.14 | 11.38 | 11.88 | 12.29 | 12.24 | 11.20 | 11.35 | 10.96 |
| – IRF over 5 years | 13.51 | 13.86 | 13.07 | 13.62 | 12.99 | 13.22 | 12.94 | 14.15 | 13.84 | 13.99 | 14.22 | 14.69 |
Notes:
*/ The interest rate statistics gathered on a harmonized basis based on Regulation (EC) No 63/2002 of the ECB, sectoral classification is based on ESA95.
1/ The statistics on outstanding amounts are collected at the end of the month as a stock of balance sheet items.
2/ New business covers all new agreements between households or non-financial corporations and the bank during the reporting month.
New loans are classified according the period of initial rate fixation (IRF).
3/ Loans for house purchases are secured and unsecured loans for home purchase, including building and home improvements; including loans and interim credits granted by building savings banks.
4/ Consumer credits are defined as loans granted for the purpose of personal use in the consumption of goods and services; other loans are loans granted for other purposes such as business, debt consolidation, education etc.