financial stability report - Banka Qendrore e Republikës së Kosovës

Number 3
Financial Stability Report
Table 7.2. ODC effective interest rate – deposits interest rate
Description
Loan
rates
Investment business loans
Up to 1
year
Over 1
year up
to 5 years
Over 5
years
Non financial corporations
Other business loans Overdraf t s
(non-investing)
Up to 1
year
Over 1
year up
to 5 years
Credit
lines
Overdraft
s
Loans
covered
by
deposits
Households
Consume Mortgage loans
r loans
Up to 5 Over 5 Over 10
years years up years
to 10
years
2005 December 14.47 17.34 13.29 13.29 15.18 14.38 15.11 11.51 … * * … * 11.51 * * *
2006 December 14.70 * 14.50 14.50 13.60 15.18 15.72 12.36 … * * … * 12.36 * 13.36 *
2007 December 14.06 * 13.76 13.76 * 14.64 15.09 13.72 … * * … * 13.72 12.92 12.36 *
2008 December 13.79 * 13.92 13.92 14.20 13.45 15.03 13.50 … * 19.48 … … 13.50 9.81 10.82 8.13
2009 December 14.09 * 14.34 14.34 * * * … * 17.83 … … 13.31 * 10.67 *
May 14.60 17.30 13.83 * 18.93 15.97 12.87 14.46 7.20 * 23.26 6.91 5.35 13.80 16.98 12.30 10.67
June 13.99 19.66 14.90 * 15.55 16.68 12.55 13.58 6.77 * 22.04 7.18 5.39 13.69 * 12.16 10.72
July 14 .8 6 18 .9 6 16 .75 12 .8 4 16 .2 9 17.17 11.12 14 .3 2 7.4 7 * 2 2 .72 7.0 1 5.2 0 13 .8 3 * 12 .3 5 11.2 2
August 15.23 18.87 14.10 * 20.10 18.01 12.56 7.92 4.04 * 23.47 6.80 5.02 13.97 * 12.43 10.70
September 15.55 18.69 16.67 11.92 20.67 17.45 12.29 14.72 6.31 * 23.27 6.67 5.26 13.82 * 12.06 10.72
October 15.10 17.11 15.16 * 19.88 16.47 12.76 13.42 7.06 * 23.56 6.70 5.22 13.67 * 12.04 10.44
November 14.33 18.42 14.32 10.09 17.17 15.69 12.39 13.57 7.07 * 19.49 7.15 5.51 14.11 * 12.26 10.74
2010 December 14.31 16.13 13.95 * 18.66 14.44 12.65 13.27 7.69 * 22.57 6.55 8.56 14.56 * 11.67 10.26
January 15.42 17.36 15.03 * 21.82 16.81 12.44 13.51 8.03 * 23.07 7.07 8.41 13.58 18.15 12.00 10.80
Feb r uar y 14 .4 1 * 14 .57 11.8 9 17.4 2 15.8 0 11.4 8 13 .56 7.19 8 .8 9 2 0 .0 7 6 .56 9 .13 14 .3 7 * 12 .2 5 10 .10
M ar ch 14 .19 18 .2 3 13 .8 1 12 .4 9 18 .4 9 14 .9 3 11.8 8 13 .13 7.0 2 9 .0 9 2 0 .2 7 5.3 1 8 .3 6 13 .76 * 12 .2 2 9 .8 3
April 14.38 * 15.23 11.59 17.65 15.47 12.69 11.98 6.50 4.43 21.24 5.68 8.06 13.51 * 11.59 10.51
M ay 13 .2 5 17.2 8 13 .9 8 12 .0 0 17.72 15.4 0 12 .70 13 .3 2 6 .6 6 6 .56 2 1.2 3 7.2 3 8 .79 11.4 7 * 11.8 5 11.52
June 14.13 18.69 13.83 12.56 19.02 15.42 11.85 12.77 3.64 7.06 19.03 6.25 8.16 13.91 * 11.88 11.00
July 14.28 17.58 14.16 * 16.92 15.54 12.43 12.69 5.83 8.72 18.42 5.39 8.55 14.04 * 11.95 11.00
A ug ust 14 .0 2 15.11 13 .78 13 .0 2 18 .72 14 .8 3 12 .2 6 14 .16 5.8 7 8 .73 17.8 8 6 .2 6 8 .4 1 13 .73 * 11.9 7 10 .10
September 14.22 12.87 14.67 11.07 21.57 15.08 11.74 13.37 7.50 8.39 17.28 7.25 8.36 13.66 * 11.88 9.45
Oct o b er 13 .9 3 14 .2 4 13 .53 * 16 .76 14 .6 4 11.9 2 13 .3 9 5.4 9 10 .0 5 17.3 5 6 .8 7 8 .9 0 13 .71 15.72 11.75 11.58
No vemb er 13 .6 2 14 .4 7 13 .0 2 13 .53 15.0 6 14 .19 11.4 6 13 .9 2 6 .4 3 10 .2 0 14 .2 0 7.2 8 9 .0 8 13 .9 7 * 11.4 8 10 .9 4
2 0 11 Decemb er 13 .6 9 15.8 9 13 .55 11.6 8 16 .4 0 13 .8 0 11.78 12 .12 6 .10 9 .8 8 16 .4 4 6 .0 1 8 .58 14 .0 2 14 .3 1 11.9 9 10 .8 3
January 14.53 17.85 14.01 * 17.96 15.56 12.25 13.69 6.16 8.80 18.31 6.99 9.22 14.25 12.38 11.34 9.62
February 13.33 15.84 12.68 10.90 16.83 14.23 10.90 12.96 6.33 * 16.79 6.81 8.47 13.83 9.73 11.71 10.39
M ar ch 13 .8 1 14 .2 5 13 .4 6 12 .8 0 17.6 5 14 .8 6 11.19 11.70 7.2 9 * 16 .8 3 6 .3 3 8 .18 13 .4 1 * 11.8 9 10 .4 0
A p r il 13 .4 5 15.73 13 .4 8 10 .13 18 .2 1 14 .59 10 .8 1 11.9 4 6 .56 * 16 .6 2 7.11 8 .3 1 13 .10 * 11.15 11.11
M ay 13 .4 0 14 .13 13 .0 3 10 .8 0 15.6 5 15.52 11.2 0 12 .0 7 5.3 7 * 16 .8 0 7.0 1 8 .3 6 13 .15 * 11.3 3 10 .12
2012 June 13.50 15.51 13.05 10.94 19.83 14.16 10.72 10.92 7.21 9.61 16.23 7.05 8.08 13.47 7.72 11.67 10.50
Source: CBK (2011)
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