| 15.03.2010 |
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| Costs and Net Interest Margins in the Unindexed Local-Currency Segment, (01/10), and the Average Interest Rate, (12/09), that Serves as a Basis for Interest on the Extra-Bank Loans |
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| 1. Interest Rates and Net Interest Margins (percent) |
|
| Average interest on credit to the public |
October 2009 |
November 2009 |
December 2009 |
January 2010 |
| Total |
4.24 |
4.25 |
4.38 |
4.68 |
| Term credit |
3.74 |
3.75 |
3.88 |
4.18 |
| Current accounts with debit balances and current loan accounts |
8.21 |
8.31 |
8.38 |
8.68 |
| Average interest on the public's deposits |
|
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|
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| Total |
0.65 |
0.70 |
0.85 |
0.96 |
| Time deposits |
0.87 |
0.93 |
1.11 |
1.23 |
| Current accounts with credit balances |
0.09 |
0.09 |
0.13 |
0.18 |
| Interest-rate spread between interest on credit and interest on deposits |
3.59 |
3.56 |
3.53 |
3.72 |
| Net interest margin between return on assets and cost of liabilities |
2.23 |
2.12 |
2.03 |
2.22 |
| Cost of unindexed credit for purposes of the Extra-Bank Loan Regulation Law1 |
4.24 |
4.25 |
4.38 |
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| 2. Balances in the Unindexed Segment (NIS billion) |
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October 2009 |
November 2009 |
December 2009 |
January 2010 |
| Balance of credit to the public |
308.4 |
309.9 |
311.2 |
312.4 |
| Of which to business customers |
213.8 |
214.3 |
219.2 |
218.8 |
| Balance of deposits of the public |
400.6 |
398.0 |
401.1 |
405.2 |
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| 1 |
According to the Extra-Bank Loan Regulation 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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