| 16.06.09 |
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| Costs and Net Interest Margins in the Unindexed Local-Currency Segment, (04/09), and the Average Interest Rate, (03/09), that Serves as a Basis for Interest on the "Gray Market" |
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| 1. Interest Rates and Net Interest Margins (percent) |
|
| Average interest on credit to the public |
January 2009 |
February 2009 |
March 2009 |
April 2009 |
| Total |
4.93 |
4.40 |
4.14 |
3.92 |
| Term credit |
4.44 |
3.90 |
3.64 |
3.41 |
| Current accounts with debit balances and current loan accounts |
8.31 |
7.99 |
7.85 |
7.81 |
| Average interest on the public's deposits |
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|
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| Total |
1.48 |
0.94 |
0.80 |
0.66 |
| Time deposits |
1.74 |
1.17 |
1.05 |
0.90 |
| Current accounts with credit balances |
0.36 |
0.14 |
0.09 |
0.05 |
| Interest-rate spread between interest on credit and interest on deposits |
3.46 |
3.45 |
3.33 |
3.26 |
| Net interest margin between return on assets and cost of liabilities |
2.92 |
2.87 |
2.68 |
2.61 |
| Cost of unindexed credit for purposes of the Nonbank Loans Arrangement Law1 |
4.93 |
4.40 |
4.14 |
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| 2. Balances in the Unindexed Segment (NIS billion) |
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January 2009 |
February 2009 |
March 2009 |
April 2009 |
| Balance of credit to the public |
300.1 |
299.7 |
301.6 |
302.9 |
| Of which to business customers |
216.3 |
216.4 |
216.2 |
216.4 |
| Balance of deposits of the public |
382.6 |
384.1 |
389 |
395.2 |
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| 1 |
According to the Nonbank Loans Arrangement Law (the "Gray Market" Law), the maximum cost of such a loan shall be two-and-a-quarter times the average cost of unindexed credit. These data are preliminary until their publication in the Official Gazette. |
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