Financial Stability Report No1 20 December 2010 - Banka Qendrore ...
Financial Stability Report No1 20 December 2010 - Banka Qendrore ... Financial Stability Report No1 20 December 2010 - Banka Qendrore ...
Number 1Financial Stability ReportTable 8.1. ODC effective interest rates – deposit rates(New contracts)DescriptionDepositratesTransf erabledepositsUp to 1mont hNonfinancial corporat ionsOt her depositsSaving Transf edeposits rableLess t han 250.000 euro M ore t han 250.000 euro depositsUp t o 1mont hOver 1mont hand upto 3mont hsOver 6mont hsand up 1yearOver2yearsUp to 1mont hOver 1mont hand upto 3mont hsOver 6mont hsand up 1yearHouseholds2004 December 2.8 0.1 1.8 2.3 3.0 * 3.3 * * 2.0 … 1.7 2.1 2.9 3.8 * 1.62005 December 3.1 0.3 2.1 2.4 3.4 * 2.9 * 3.5 1.7 … 1.8 2.2 3.3 3.9 4.0 1.72006 December 3.1 0.4 2.1 2.9 4.3 * 3.1 * 3.8 1.5 … 1.9 2.3 3.4 4.2 4.5 1.72007 December 4.0 0.5 2.7 2.9 4.4 * 4.3 4.1 * 2.4 … 2.6 2.7 3.6 4.7 5.3 2.3May 4.0 0.4 2.7 3.5 4.2 * 4.3 * * 2.9 … 2.7 3.0 4.1 4.4 4.8 2.4June 4.0 0.6 2.7 3.3 4.1 * 4.1 * 5.2 2.7 … 2.8 3.3 3.9 4.6 5.3 2.4July 4.2 0.6 3.1 3.3 4.9 * 4.2 4.9 5.4 2.8 … 2.9 3.3 4.2 4.6 4.7 2.6August 4.3 * 3.0 4.2 4.6 * * 5.1 * 2.2 0.1 3.0 3.3 4.2 4.8 5.4 2.6September 4.0 0.7 3.0 3.7 4.2 5.2 3.8 * 5.1 2.6 0.1 3.0 3.5 4.4 4.8 5.7 2.5October 5.0 0.6 2.8 3.0 4.5 * 4.0 5.3 5.9 2.6 0.1 3.1 3.5 4.4 5.2 5.5 2.6November 4.5 0.9 2.8 4.5 4.3 * 4.2 5.2 5.6 2.5 0.1 3.1 4.1 4.3 4.9 5.0 2.62008 December 4.4 0.5 3.1 4.0 5.3 * 3.6 4.9 5.7 2.9 0.1 3.2 4.6 4.5 5.0 3.9 2.7January 4.5 0.7 2.9 4.1 4.8 * 3.8 4.3 5.4 2.9 0.1 3.2 4.5 4.7 5.1 5.7 2.7February 4.3 0.7 3.0 3.9 5.3 5.5 * 4.3 5.4 2.8 0.1 3.1 3.3 4.5 5.1 5.5 2.4M arch 4.5 0.9 2.9 3.9 5.4 * * * 5.9 3.1 0.1 3.1 3.5 4.4 4.9 5.8 2.7April 4.3 0.7 2.9 3.2 5.2 * 4.5 4.5 5.6 3.1 0.2 3.5 3.4 4.4 4.3 5.5 2.6M ay 4.0 * 2.9 3.8 5.1 * 3.4 * 5.4 3.1 0.1 3.5 3.4 4.4 4.9 5.2 2.7June 4.7 0.7 3.1 3.7 4.7 * * * 6.1 3.0 0.2 3.4 3.6 4.4 4.9 5.3 2.6July 4.6 0.8 3.1 3.9 4.9 * 3.5 * 5.9 3.1 0.2 3.2 3.8 4.4 3.9 4.6 2.7August 4.1 0.9 3.3 4.2 5.0 * 3.6 * * 3.0 0.3 3.3 3.5 4.5 4.6 5.4 2.7September 4.0 0.9 3.0 3.7 4.4 * * * 6.1 2.6 0.3 3.3 3.4 4.3 4.9 5.4 2.5October 4.8 0.8 3.0 3.1 5.4 * 3.7 4.5 5.2 2.8 0.3 3.2 3.3 4.4 4.9 5.3 2.5November 4.2 * 3.3 3.6 4.6 5.8 4.4 * 5.1 2.6 0.5 3.0 3.1 4.5 5.6 5.4 2.52009 December 4.0 0.7 3.4 3.4 5.0 * 3.9 4.9 5.2 2.6 0.3 3.1 3.3 4.4 5.0 5.5 2.5January 4.1 * 3.2 3.0 5.2 * 3.6 * 5.9 2.6 0.3 3.1 3.4 4.4 5.0 5.6 2.5February 3.8 * 3.1 3.0 4.9 4.6 3.8 * * 2.2 0.2 2.9 2.9 4.5 4.6 5.5 2.2M arch 3.6 0.9 3.1 3.0 4.6 5.8 3.1 * * 2.6 0.1 2.8 3.0 4.2 4.3 4.9 2.3April 3.5 0.9 2.9 2.6 4.7 5.2 * 4.8 * 2.2 0.1 2.7 2.8 4.1 4.6 5.7 2.2M ay 3.4 1.1 2.6 2.9 4.5 * 2.5 * 5.3 2.5 0.4 2.7 2.7 4.2 4.3 5.2 2.32010 June 3.7 0.9 2.6 3.1 5.3 * * 5.1 2.4 0.3 2.6 3.0 4.4 4.6 5.2 2.2Over 1mont hand upto 3monthsOt her deposit sOver 6mont hsand up 1yearOver 1yearand up2 yearsOver2yearsSavingdeposits116 |
Financial Stability ReportNumber 1Table 8.2. ODC effective interest rate – loan interest rateDescriptionInterestratesInvestmentsBusiness LoansUp to 1yearOver 1up t o 5yearsNon-financial corporationsOt her non-investmentbusiness loansUp to 1yearOver 1 upto 5 yearsOverdraftsCreditlinesCashcoverloansOverdraftsCashcoverloansOtherloansHouseholdsConsumer loansUp to 5yearsMortgage loansOver 5up to 10yearsOver 10years2004 December 15.7 15.16 14.47 15.04 15.32 15.06 * … * … * 12.53 * * *2005 December 14.5 17.34 13.29 15.18 14.38 15.11 * … * … * 11.51 * * *2006 December 14.7 * 14.50 13.60 15.18 15.72 * … * … * 12.36 * 13.36 *2007 December 14.1 * 13.76 * 14.64 15.09 * … * … * 13.72 12.92 12.36 *Prill 14.6 * 15.57 13.36 14.90 13.81 * … 18.94 … … 14.16 12.73 11.36 *May 14.5 26.22 13.99 17.96 15.51 13.48 * … 19.81 … … 13.78 12.95 10.82 *June 15.3 * 15.11 19 .2 4 15.76 13 .6 6 * … 18 .11 … … 14 .3 0 * 11.2 4 *July 15.4 * 13 .72 18 .4 6 15.4 9 14 .4 8 * … 2 0 .3 6 … … 14 .12 11.18 11.9 3 *August 14.8 * 14.78 14.08 15.94 14.75 * … 20.53 … … 14.10 11.22 10.57 7.91September 15.5 23.53 17.05 17.74 15.15 15.07 * … 20.26 … … 13.94 12.01 10.30 10.49October 13.0 13.89 13.68 17.60 15.36 14.14 * … 17.09 … … 13.53 11.91 11.53 9.87No vemb er 13 .2 * 15.79 14 .4 6 15.73 13 .2 6 * … 18 .6 8 … … 13 .78 11.16 11.2 5 10 .9 32008 December 13.8 * 13.92 14.20 13.45 15.03 * … 19.48 … … 13.50 9.81 10.82 8.13January 15.7 20.95 15.06 14.57 16.73 13.28 * … 18.94 … … 13.96 10.70 12.03 *Feb r uar y 15.0 17.2 6 14 .6 3 15.4 4 15.0 2 12 .6 2 * … * … … 13 .0 1 10 .50 9 .4 2 *March 13.1 15.06 15.09 17.13 15.77 12.47 * … 18.22 … … 13.26 10.79 11.59 12.60A p r il 15.2 * 15.6 5 * 15.9 0 12 .52 * … * … … 13 .10 13 .10 10 .3 6 *M ay 12.7 18.74 13.65 * 15.91 12.49 * … 17.08 … … 13.32 10.04 9.94 9.76June 15.0 20.39 14.41 10.32 16.99 12.09 * … 16.26 … … 13.27 10.91 9.91 9.05July 14.7 16.44 15.76 14.22 16.57 12.54 * … * … … 12.49 11.86 10.76 9.99August 13.8 * 13.13 12.44 15.52 12.43 * … 17.71 … … 12.78 9.94 * 9.22September 14.9 12.29 15.25 16.11 15.62 12.36 * … 17.48 … … 12.99 9.85 10.79 *October 14.2 11.31 13.98 12.96 15.50 12.66 * … 17.96 … … 13.04 11.10 9.74 10.23November 14.1 * 14.22 13.76 16.40 12.24 * … 17.89 … … 12.88 10.87 11.25 9.202009 December 14.1 14.24 14.34 * 13.99 12.76 * … 17.83 … … 13.31 * 10.67 *January 13.4 19.96 14.76 15.67 15.47 12.66 * … 18.65 … … 13.36 11.38 11.41 *February 14.6 18.00 14.57 17.37 16.82 11.82 14.94 6.72 21.04 5.84 5.17 14.02 14.76 12.25 11.10March 14.3 14.17 14.06 19.04 16.88 12.86 14.30 6.22 21.06 7.29 5.35 13.16 13.11 11.99 10.50April 15.3 19.14 15.47 19.53 17.19 12.72 13.62 6.69 22.12 6.66 5.54 13.42 14.54 12.37 10.96May 14.6 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 10.672010 June 14.0 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| 117
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Number 1<strong>Financial</strong> <strong>Stability</strong> <strong>Report</strong>Table 8.1. ODC effective interest rates – deposit rates(New contracts)DescriptionDepositratesTransf erabledepositsUp to 1mont hNonfinancial corporat ionsOt her depositsSaving Transf edeposits rableLess t han 250.000 euro M ore t han 250.000 euro depositsUp t o 1mont hOver 1mont hand upto 3mont hsOver 6mont hsand up 1yearOver2yearsUp to 1mont hOver 1mont hand upto 3mont hsOver 6mont hsand up 1yearHouseholds<strong>20</strong>04 <strong>December</strong> 2.8 0.1 1.8 2.3 3.0 * 3.3 * * 2.0 … 1.7 2.1 2.9 3.8 * 1.6<strong>20</strong>05 <strong>December</strong> 3.1 0.3 2.1 2.4 3.4 * 2.9 * 3.5 1.7 … 1.8 2.2 3.3 3.9 4.0 1.7<strong>20</strong>06 <strong>December</strong> 3.1 0.4 2.1 2.9 4.3 * 3.1 * 3.8 1.5 … 1.9 2.3 3.4 4.2 4.5 1.7<strong>20</strong>07 <strong>December</strong> 4.0 0.5 2.7 2.9 4.4 * 4.3 4.1 * 2.4 … 2.6 2.7 3.6 4.7 5.3 2.3May 4.0 0.4 2.7 3.5 4.2 * 4.3 * * 2.9 … 2.7 3.0 4.1 4.4 4.8 2.4June 4.0 0.6 2.7 3.3 4.1 * 4.1 * 5.2 2.7 … 2.8 3.3 3.9 4.6 5.3 2.4July 4.2 0.6 3.1 3.3 4.9 * 4.2 4.9 5.4 2.8 … 2.9 3.3 4.2 4.6 4.7 2.6August 4.3 * 3.0 4.2 4.6 * * 5.1 * 2.2 0.1 3.0 3.3 4.2 4.8 5.4 2.6September 4.0 0.7 3.0 3.7 4.2 5.2 3.8 * 5.1 2.6 0.1 3.0 3.5 4.4 4.8 5.7 2.5October 5.0 0.6 2.8 3.0 4.5 * 4.0 5.3 5.9 2.6 0.1 3.1 3.5 4.4 5.2 5.5 2.6November 4.5 0.9 2.8 4.5 4.3 * 4.2 5.2 5.6 2.5 0.1 3.1 4.1 4.3 4.9 5.0 2.6<strong>20</strong>08 <strong>December</strong> 4.4 0.5 3.1 4.0 5.3 * 3.6 4.9 5.7 2.9 0.1 3.2 4.6 4.5 5.0 3.9 2.7January 4.5 0.7 2.9 4.1 4.8 * 3.8 4.3 5.4 2.9 0.1 3.2 4.5 4.7 5.1 5.7 2.7February 4.3 0.7 3.0 3.9 5.3 5.5 * 4.3 5.4 2.8 0.1 3.1 3.3 4.5 5.1 5.5 2.4M arch 4.5 0.9 2.9 3.9 5.4 * * * 5.9 3.1 0.1 3.1 3.5 4.4 4.9 5.8 2.7April 4.3 0.7 2.9 3.2 5.2 * 4.5 4.5 5.6 3.1 0.2 3.5 3.4 4.4 4.3 5.5 2.6M ay 4.0 * 2.9 3.8 5.1 * 3.4 * 5.4 3.1 0.1 3.5 3.4 4.4 4.9 5.2 2.7June 4.7 0.7 3.1 3.7 4.7 * * * 6.1 3.0 0.2 3.4 3.6 4.4 4.9 5.3 2.6July 4.6 0.8 3.1 3.9 4.9 * 3.5 * 5.9 3.1 0.2 3.2 3.8 4.4 3.9 4.6 2.7August 4.1 0.9 3.3 4.2 5.0 * 3.6 * * 3.0 0.3 3.3 3.5 4.5 4.6 5.4 2.7September 4.0 0.9 3.0 3.7 4.4 * * * 6.1 2.6 0.3 3.3 3.4 4.3 4.9 5.4 2.5October 4.8 0.8 3.0 3.1 5.4 * 3.7 4.5 5.2 2.8 0.3 3.2 3.3 4.4 4.9 5.3 2.5November 4.2 * 3.3 3.6 4.6 5.8 4.4 * 5.1 2.6 0.5 3.0 3.1 4.5 5.6 5.4 2.5<strong>20</strong>09 <strong>December</strong> 4.0 0.7 3.4 3.4 5.0 * 3.9 4.9 5.2 2.6 0.3 3.1 3.3 4.4 5.0 5.5 2.5January 4.1 * 3.2 3.0 5.2 * 3.6 * 5.9 2.6 0.3 3.1 3.4 4.4 5.0 5.6 2.5February 3.8 * 3.1 3.0 4.9 4.6 3.8 * * 2.2 0.2 2.9 2.9 4.5 4.6 5.5 2.2M arch 3.6 0.9 3.1 3.0 4.6 5.8 3.1 * * 2.6 0.1 2.8 3.0 4.2 4.3 4.9 2.3April 3.5 0.9 2.9 2.6 4.7 5.2 * 4.8 * 2.2 0.1 2.7 2.8 4.1 4.6 5.7 2.2M ay 3.4 1.1 2.6 2.9 4.5 * 2.5 * 5.3 2.5 0.4 2.7 2.7 4.2 4.3 5.2 2.3<strong>20</strong>10 June 3.7 0.9 2.6 3.1 5.3 * * 5.1 2.4 0.3 2.6 3.0 4.4 4.6 5.2 2.2Over 1mont hand upto 3monthsOt her deposit sOver 6mont hsand up 1yearOver 1yearand up2 yearsOver2yearsSavingdeposits116 |
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