2008

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

(in % per annum)

Structure of Loans2008
123456789101112
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.