2007

 

Interest rates for outstanding amounts and new business of loans in the Slovak koruna

*/
(in % per annum)
 
Structure of Loans 2007
1 2 3 4 5 6 7 8 9 10 11 12
Total Outstanding amounts 1/ 6.92 6.99 6.92 6.83 6.94 6.95 6.87 6.92 6.92 6.87 6.86 6.81
a) Non-financial corporations S.11 6.00 6.10 5.85 5.65 5.77 5.82 5.72 5.74 5.78 5.76 5.75 5.71
incl:  
   - up to 1 year 5.96 6.15 5.75 5.49 5.76 5.88 5.63 5.65 5.75 5.67 5.66 5.56
   - from 1 to 5 years 6.23 6.28 6.17 5.93 5.98 6.04 6.03 6.07 6.11 6.08 6.06 6.03
   - over 5 years 5.94 5.94 5.81 5.68 5.65 5.62 5.64 5.67 5.64 5.68 5.69 5.71
b) Households S.14+S.15 8.24 8.28 8.39 8.38 8.44 8.43 8.39 8.43 8.39 8.33 8.28 8.22
incl:  
loans for house purchases 4/ 6.44 6.49 6.65 6.66 6.69 6.67 6.65 6.66 6.62 6.58 6.54 6.51
   - up to 1 year 5.61 5.69 5.96 6.04 6.16 6.21 6.25 6.28 6.27 6.32 6.27 6.23
   - from 1 to 5 years 6.89 6.88 6.90 6.85 6.80 6.80 6.82 6.85 6.81 6.78 6.77 6.75
   - over 5 years 6.40 6.45 6.63 6.64 6.68 6.66 6.63 6.64 6.60 6.56 6.52 6.49
consumer credits and other loans 5/ 11.62 11.65 11.62 11.64 11.72 11.69 11.61 11.70 11.65 11.57 11.49 11.38
   - up to 1 year 13.77 13.88 13.71 13.63 13.90 14.04 14.00 13.99 13.95 13.81 13.75 13.44
   - from 1 to 5 years 13.52 13.52 13.70 13.68 13.70 13.67 13.62 13.90 13.92 13.91 13.84 13.90
   - over 5 years 8.32 8.36 8.32 8.40 8.41 8.40 8.38 8.50 8.49 8.47 8.49 8.48
Total New business 2/ 7.79 7.30 7.06 7.60 7.07 7.24 7.08 6.60 6.92 6.74 7.03 6.54
a) Non-financial corporations S.11 5.68 5.91 5.53 5.28 5.58 5.43 5.57 5.40 5.48 5.67 5.43 5.56
incl:  
   - floating rate and IRF up to 1 yeara 5.61 5.87 5.43 5.18 5.56 5.35 5.52 5.35 5.40 5.68 5.39 5.53
   - IRF over 1 and up to 5 years 6.24 6.55 6.53 6.34 5.74 6.24 6.03 5.62 5.74 5.45 5.66 6.39
   - IRF over 5 years 6.41 6.62 5.84 5.74 5.63 5.89 5.94 5.97 6.02 5.97 6.15 6.26
b) Households S.14+S.15 11.63 11.43 11.12 10.70 10.11 9.97 10.08 10.22 10.00 9.73 10.10 10.19
incl:  
loans for house purchases 6.59 6.62 6.50 6.29 6.17 6.06 6.00 6.14 6.10 6.14 6.12 6.06
   - floating rate and IRF up to 1 yeara 6.58 6.50 6.43 5.99 5.87 5.86 5.93 5.91 5.89 5.79 5.84 5.80
   - IRF over 1 and up to 5 years 6.21 6.30 6.15 6.05 5.87 5.79 5.67 6.01 5.97 6.09 6.11 6.16
   - IRF over 5 years 7.47 7.55 7.42 7.63 7.80 7.47 7.48 7.67 7.22 7.20 7.21 7.36
consumer credits and other loans 14.28 14.14 14.02 13.98 13.38 13.21 13.83 13.76 13.83 13.34 13.42 13.27
   - floating rate and IRF up to 1 yeara 14.67 14.70 14.39 14.48 13.75 13.62 14.16 14.23 14.04 13.23 13.36 13.20
   - IRF over 1 and up to 5 years 12.29 11.83 12.59 11.56 11.70 11.17 11.85 10.84 13.20 13.83 13.99 13.65
   - IRF over 5 years 11.59 11.30 11.69 12.97 12.66 12.66 13.09 13.08 12.78 13.73 13.19 13.66
Drawn Loans in Total 3/ 8.17 7.86 7.43 6.35 8.14 8.02 8.96 7.95 8.07 8.02 7.96 7.17
a) Non-financial corporations S.11 7.97 7.76 6.99 6.92 7.69 7.79 9.29 7.77 7.75 8.00 7.72 7.00
incl:  
   - up to 1 year 8.20 7.90 7.15 7.48 7.89 8.12 9.71 8.02 7.98 8.24 7.91 7.27
   - from 1 to 5 years 5.74 6.13 5.70 5.59 5.96 5.83 6.07 5.86 5.99 6.05 5.89 5.68
   - over 5 years 5.61 5.74 5.21 5.38 5.63 5.39 5.40 5.70 5.65 6.05 5.93 5.47
b) Households S.14+S.15 12.67 12.52 12.21 10.72 11.78 11.76 11.78 11.75 11.68 11.52 11.66 11.81
incl:  
loans for house purchases 6.54 6.48 6.46 6.30 6.21 6.07 5.96 6.17 6.04 6.08 6.09 6.03
   - up to 1 year 6.24 6.37 6.52 6.41 6.35 6.32 6.25 6.29 6.27 6.31 6.15 6.10
   - from 1 to 5 years 6.22 6.11 6.24 6.41 6.33 6.31 6.06 6.16 6.18 6.08 6.18 6.26
   - over 5 years 6.59 6.53 6.49 6.29 6.19 6.04 5.95 6.17 6.03 6.08 6.08 6.02
consumer credits and other loans 13.87 13.90 13.72 12.91 13.64 13.59 13.76 13.76 13.78 13.67 13.70 13.60
   - up to 1 year 14.55 14.49 14.39 14.39 14.37 14.53 14.47 14.41 14.44 14.35 14.41 14.17
   - from 1 to 5 years 12.30 13.39 14.75 12.08 13.82 13.30 14.02 14.51 14.78 13.84 13.06 13.32
   - over 5 years 9.04 9.11 8.41 7.48 8.78 8.64 8.44 8.53 8.55 8.44 9.34 8.85
 

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/ Drawn Loans means total amount of withdrawn loans during reference month.

4/ 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.

5/ 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.

 
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