Harmonised interest rates statistics

Table B1
Bank interest rates on CZK-denominated deposits by Czech residents - outstanding amounts¹⁾
(%)

A comma (,) represents a decimal point delimiter; a blank between figures or a point (.) within one number represent a thousand group delimiter.

	Deposits from households²⁾									Deposits from non-financial corporations
	Total	Overnight^3,4)	With agreed maturity			Redeemable at notice³⁾			Repos	Total	Overnight^3,4)	With agreed maturity			Redeemable at notice³⁾	Repos
	Total	Overnight^3,4)	Total	Up to 2 years	Over 2 years	Total	Up to 3 months	Over 3 months	Repos	Total	Overnight^3,4)	Total	Up to 2 years	Over 2 years	Redeemable at notice³⁾	Repos

31.12.2012	1,154	0,695	1,818	1,504	1,953	2,032	2,194	0,624		0,463	0,310	1,100	0,969	2,294	1,825
30.11.2012	1,151	0,693	1,833	1,498	1,989	2,024	2,191	0,624		0,507	0,339	1,140	1,021	2,305	1,808
31.10.2012	1,175	0,721	1,841	1,508	1,994	2,051	2,202	0,801		0,550	0,370	1,220	1,110	2,169	1,814
30.9.2012	1,171	0,718	1,833	1,475	1,996	2,048	2,200	0,802		0,578	0,388	1,166	1,062	2,187	1,749
31.8.2012	1,167	0,710	1,829	1,459	1,997	2,048	2,202	0,800		0,563	0,386	1,119	1,014	2,176	1,720
31.7.2012	1,169	0,705	1,835	1,474	2,000	2,048	2,202	0,803		0,582	0,414	1,198	1,094	2,219	1,901
30.6.2012	1,177	0,714	1,838	1,485	2,001	2,046	2,213	0,783		0,603	0,420	1,201	1,106	2,223	1,884
31.5.2012	1,186	0,722	1,844	1,495	2,005	2,047	2,213	0,782		0,593	0,408	1,206	1,109	2,237	1,799
30.4.2012	1,183	0,714	1,845	1,508	2,003	2,047	2,214	0,784		0,607	0,413	1,191	1,099	2,292	1,811
31.3.2012	1,182	0,710	1,837	1,490	2,003	2,046	2,214	0,786		0,580	0,397	1,153	1,066	2,307	1,703
29.2.2012	1,192	0,715	1,854	1,557	2,000	2,046	2,216	0,785		0,541	0,381	1,081	1,008	1,759	1,684
31.1.2012	1,208	0,726	1,874	1,610	2,005	2,044	2,216	0,786		0,542	0,381	1,098	1,024	1,801	1,681
31.12.2011	1,214	0,725	1,877	1,613	2,010	2,042	2,215	0,789		0,510	0,354	1,038	0,963	1,839	1,687
30.11.2011	1,187	0,691	1,865	1,598	2,007	2,037	2,216	0,789		0,539	0,382	1,057	0,994	1,655	1,691

Source: CNB
¹⁾ Outstanding amounts are defined as the stock of all deposits placed with and all loans granted by the bank at the time reference point. More information.
²⁾ Households and non-profit institutions serving households (S.14+S.15)
³⁾ For this instrument category, outstanding amounts (end-of-period stocks) and new business coincide.
⁴⁾ Overnight and non-term deposits are included.

Table B2
Bank interest rates on CZK-denominated loans to Czech residents - outstanding amounts¹⁾
(%)

A comma (,) represents a decimal point delimiter; a blank between figures or a point (.) within one number represent a thousand group delimiter.

	Loans to households²⁾																Loans to non-financial corporations
	Total	Up to 1 year	Over 1 and up to 5 years	Over 5 years	Consumer credit, with maturity				Lending for house purchase, with maturity				Other lending, with maturity				Total	Up to 1 year	Over 1 and up to 5 years	Over 5 years
	Total	Up to 1 year	Over 1 and up to 5 years	Over 5 years	Total	Up to 1 year	Over 1 and up to 5 years	Over 5 years	Total	Up to 1 year	Over 1 and up to 5 years	Over 5 years	Total	Up to 1 year	Over 1 and up to 5 years	Over 5 years	Total	Up to 1 year	Over 1 and up to 5 years	Over 5 years

31.12.2012	6,266	16,385	11,978	5,574	14,550	19,447	14,490	13,152	4,568	4,881	5,689	4,558	5,487	9,626	7,231	4,919	3,301	2,834	3,366	3,562
30.11.2012	6,309	16,416	12,094	5,623	14,548	19,552	14,550	13,146	4,614	5,323	5,680	4,605	5,522	9,479	7,335	4,966	3,368	2,860	3,475	3,659
31.10.2012	6,351	16,349	12,119	5,659	14,534	19,430	14,557	13,125	4,653	5,324	5,662	4,645	5,578	9,527	7,410	5,008	3,444	2,954	3,544	3,731
30.9.2012	6,395	16,449	12,209	5,699	14,558	19,571	14,638	13,121	4,692	5,446	5,638	4,684	5,649	9,715	7,477	5,055	3,623	3,267	3,699	3,837
31.8.2012	6,419	16,267	12,240	5,731	14,528	19,306	14,678	13,139	4,724	5,494	5,634	4,716	5,671	9,639	7,457	5,090	3,677	3,202	3,785	3,949
31.7.2012	6,443	16,093	12,254	5,762	14,472	19,094	14,668	13,128	4,754	5,479	5,618	4,747	5,729	9,752	7,479	5,131	3,724	3,248	3,838	3,992
30.6.2012	6,479	16,246	12,313	5,795	14,475	19,225	14,689	13,116	4,789	5,470	5,709	4,781	5,759	9,881	7,565	5,154	3,865	3,501	3,944	4,071
31.5.2012	6,512	16,268	12,253	5,825	14,487	19,303	14,754	13,095	4,817	5,477	5,642	4,809	5,794	9,834	7,736	5,186	3,862	3,451	3,948	4,095
30.4.2012	6,538	16,095	12,411	5,854	14,508	19,174	15,040	13,105	4,845	5,545	5,655	4,838	5,820	9,783	7,752	5,213	3,863	3,447	3,982	4,094
31.3.2012	6,567	16,010	12,382	5,880	14,476	18,966	15,008	13,100	4,871	5,579	5,677	4,863	5,846	9,862	7,784	5,230	3,874	3,460	3,984	4,103
29.2.2012	6,591	16,056	12,461	5,903	14,533	19,184	15,186	13,100	4,895	5,640	5,642	4,887	5,821	9,553	7,704	5,247	3,846	3,396	3,949	4,093
31.1.2012	6,611	15,970	12,337	5,931	14,463	18,827	15,046	13,119	4,918	5,682	5,654	4,910	5,873	9,944	7,773	5,263	3,879	3,439	4,006	4,114
31.12.2011	6,645	16,004	12,233	5,960	14,484	19,118	14,831	13,139	4,941	5,736	5,658	4,933	5,901	9,783	7,778	5,285	3,903	3,486	4,041	4,107
30.11.2011	6,701	16,115	12,372	6,005	14,530	19,237	15,036	13,138	4,977	5,758	5,705	4,969	5,944	9,841	7,851	5,319	3,850	3,402	3,970	4,103

Table B3
Bank interest rates on CZK-denominated deposits by Czech residents - new business¹⁾
(%)

A comma (,) represents a decimal point delimiter; a blank between figures or a point (.) within one number represent a thousand group delimiter.

	Deposits from households²⁾									Deposits from non-financial corporations
	Overnight^3,4)	With agreed maturity				Redeemable at notice³⁾			Repos	Overnight^3,4)	With agreed maturity		Redeemable at notice³⁾	Repos
	Overnight^3,4)	Total	Up to 1 year	Over 1 and up to 2 years	Over 2 years	Total	Up to 3 months	Over 3 months	Repos	Overnight^3,4)	Total	of which: up to 1 year	Redeemable at notice³⁾	Repos

12/2012	0,695	1,626	1,496	2,912	1,409	2,032	2,194	0,624		0,310	0,414	0,381	1,825
11/2012	0,693	1,430	1,287	2,788	1,743	2,024	2,191	0,624		0,339	0,331	0,323	1,808
10/2012	0,721	1,239	1,134	2,573	1,253	2,051	2,202	0,801		0,370	0,473	0,464	1,814
9/2012	0,718	0,906	0,756	2,396	1,329	2,048	2,200	0,802		0,388	0,538	0,508	1,749
8/2012	0,710	0,910	0,755	2,461	1,334	2,048	2,202	0,800		0,386	0,525	0,506	1,720
7/2012	0,705	0,862	0,702	2,257	1,386	2,048	2,202	0,803		0,414	0,568	0,565	1,901
6/2012	0,714	1,148	1,054	2,314	1,258	2,046	2,213	0,783		0,420	0,627	0,614	1,884
5/2012	0,722	1,133	1,018	2,381	1,431	2,047	2,213	0,782		0,408	0,642	0,606	1,799
4/2012	0,714	1,253	1,060	2,749	1,774	2,047	2,214	0,784		0,413	0,753	0,709	1,811
3/2012	0,710	1,375	1,276	2,371	1,519	2,046	2,214	0,786		0,397	0,752	0,725	1,703
2/2012	0,715	1,315	1,175	2,462	1,371	2,046	2,216	0,785		0,381	0,615	0,593	1,684
1/2012	0,726	1,362	1,208	2,391	1,522	2,044	2,216	0,786		0,381	0,575	0,571	1,681
12/2011	0,725	1,305	1,120	1,972	1,790	2,042	2,215	0,789		0,354	0,559	0,551	1,687
11/2011	0,691	1,153	0,982	2,388	1,841	2,037	2,216	0,789		0,382	0,547	0,543	1,691

Source: CNB
¹⁾ New business is defined as any new agreement between the bank and the client during the reference period. More information.
²⁾ Households and non-profit institutions serving households (S.14+S.15)
³⁾ For this instrument category, the new business are equal to the outstanding amounts (end-of-period stocks).
⁴⁾ Overnight and non-term deposits are included.

Table B4
Bank interest rates on CZK-denominated loans to Czech households¹⁾ - new business²⁾
(%)

A comma (,) represents a decimal point delimiter; a blank between figures or a point (.) within one number represent a thousand group delimiter.

	By initial period of fixation³⁾																		Overdraft⁵⁾, revolving loans⁴⁾		Credit cards⁴⁾
	Consumer credit, lending for house purchase and other lending - total	Consumer credit				Lending for house purchase					Other lending								Total	of which: Overdraft	Total	of which: Extended credit card debt
		Total	Floating rate and up to 1 year	Over 1 and up to 5 years	Over 5 years	Total	Floating rate and up to 1 year	Over 1 and up to 5 years	Over 5 and up to 10 years	Over 10 years	Total		Floating rate and up to 1 year		Over 1 and up to 5 years		Over 5 years
		Total	Floating rate and up to 1 year	Over 1 and up to 5 years	Over 5 years	Total	Floating rate and up to 1 year	Over 1 and up to 5 years	Over 5 and up to 10 years	Over 10 years	Households - total	of which: Sole proprietors	Households - total	of which: Sole proprietors	Households - total	of which: Sole proprietors	Households - total	of which: Sole proprietors

12/2012	5,535	14,587	9,593	13,895	15,031	3,511	3,079	3,605	4,193	4,098	4,239	5,980	4,401	5,671	4,277	6,398	3,908	6,503	14,790	15,791	20,221	23,624
11/2012	6,317	14,690	10,033	14,211	15,016	3,628	3,120	3,657	4,299	4,258	4,734	5,408	5,158	5,008	4,572	6,600	4,061	6,488	14,473	15,585	20,499	23,778
10/2012	5,995	14,056	11,148	13,641	14,328	3,779	3,271	3,797	4,384	4,276	4,937	5,818	5,437	5,259	4,436	7,287	4,555	7,125	14,629	15,769	20,359	23,609
9/2012	6,024	14,136	10,226	13,581	14,472	3,779	3,362	3,803	4,535	4,222	4,892	5,380	5,367	4,883	4,456	7,390	4,598	7,246	14,663	15,811	20,609	23,747
8/2012	6,286	14,529	10,507	13,889	14,932	3,828	3,400	3,859	4,453	4,262	5,006	5,812	5,763	5,598	4,301	6,239	4,013	6,651	14,236	15,223	20,660	23,768
7/2012	6,301	14,454	10,910	13,820	14,812	3,877	3,444	3,900	4,673	4,255	5,009	5,545	5,612	5,017	4,411	7,604	4,178	6,519	14,154	15,119	20,302	23,493
6/2012	6,046	14,093	10,639	13,398	14,461	3,907	3,514	3,923	4,576	4,355	4,761	5,799	5,119	5,401	4,478	7,326	4,196	7,117	14,248	15,156	20,562	23,582
5/2012	6,195	14,136	10,134	13,528	14,506	3,965	3,579	3,948	4,903	4,403	5,126	6,155	5,634	5,626	4,693	8,261	4,442	7,147	14,349	15,257	20,556	23,737
4/2012	6,303	14,224	11,384	13,589	14,547	4,010	3,582	4,014	4,997	4,491	5,272	6,099	5,769	5,587	4,799	8,926	4,398	6,569	14,165	15,186	20,695	23,731
3/2012	6,403	14,005	11,745	13,615	14,197	3,983	3,525	4,004	5,203	4,625	5,352	6,138	5,623	5,588	4,901	8,053	4,867	7,804	14,384	15,346	20,418	23,616
2/2012	6,206	14,212	10,782	13,806	14,461	3,940	3,472	4,016	4,856	4,547	5,127	5,658	5,556	5,187	4,563	8,287	4,672	7,235	14,355	15,356	20,826	23,795
1/2012	5,976	14,018	11,581	13,414	14,322	3,951	3,505	3,940	4,913	4,462	5,084	5,936	5,660	5,610	4,443	7,729	4,452	6,166	14,431	15,433	20,488	23,583
12/2011	5,587	13,577	14,848	12,597	13,267	3,938	3,499	3,936	4,678	4,445	4,982	5,905	5,503	5,743	4,246	8,189	4,429	6,465	14,385	15,347	20,009	23,108
11/2011	6,162	13,862	15,036	13,286	13,525	3,982	3,517	3,967	4,695	4,473	5,227	6,082	5,708	5,841	4,446	8,247	4,478	6,681	14,518	15,544	20,310	23,037

Source: CNB
¹⁾ Households and non-profit institutions serving households (S.14+S.15)
²⁾ New business is defined as any new agreement between the bank and the client during the reference period. More information.
³⁾ For new lending business a breakdown by the initial period of fixations is introduced. It is a predetermined period of time at the beginning of the contract during which the value of the interest rate cannot change.
⁴⁾ For this instrument category, the new business are equal to the outstanding amounts (end-of-period stocks).
⁵⁾ Debit balances on current accounts. The total amount owed by the borrower is included, irrespective of whether is within or beyond any limit agreed beforhand.

Table B5.1
Bank interest rates on CZK-denominated loans to Czech non-financial corporations - new business¹⁾
(%)

A comma (,) represents a decimal point delimiter; a blank between figures or a point (.) within one number represent a thousand group delimiter.

	By initial period of fixation²⁾															Overdraft⁴⁾, revolving loans and credit cards³⁾
	Total loans (without overdraft, revolving loans and credit cards)	Loans up to CZK 7,5 million				Loans over CZK 7,5 mil and up to CZK 30 mil				Loans up to CZK 30 million				Loans over CZK 30 mil		Total	of which: Overdraft
		Total	Floating rate and up to 1 year	Over 1 and up to 5 years	Over 5 years	Total	Floating rate and up to 1 year	Over 1 and up to 5 years	Over 5 years	Total	Floating rate and up to 1 year	Over 1 and up to 5 years	Over 5 years	Total	of which: Floating rate and up to 1 year	Total	of which: Overdraft

12/2012	2,608	4,327	4,053	4,549	4,897	2,799	2,530	3,599	4,801	3,252	2,884	4,106	4,851	2,465	2,375	2,791	3,103
11/2012	2,280	4,198	4,144	4,768	4,004	2,484	2,436	3,701	3,560	2,964	2,874	4,412	3,773	2,143	2,135	2,819	3,110
10/2012	2,338	4,488	4,410	4,897	4,368	2,831	2,777	3,732	3,775	3,335	3,195	4,510	4,169	2,159	2,134	2,940	3,180
9/2012	2,370	4,399	4,255	4,803	4,873	2,785	2,693	4,292	4,064	3,231	3,059	4,591	4,577	2,139	2,115	3,180	3,381
8/2012	2,539	4,540	4,514	4,990	4,064	2,807	2,739	3,794	3,979	3,273	3,159	4,454	4,026	2,350	2,332	3,155	3,377
7/2012	2,690	4,431	4,366	4,757	4,439	2,951	2,890	3,690	3,665	3,355	3,241	4,259	4,067	2,540	2,501	3,226	3,448
6/2012	3,027	4,695	4,533	4,854	5,057	3,172	2,951	4,427	5,010	3,616	3,314	4,653	5,036	2,835	2,808	3,396	3,590
5/2012	2,853	4,701	4,591	5,488	4,583	2,922	2,828	4,000	4,097	3,393	3,244	4,721	4,345	2,722	2,645	3,417	3,628
4/2012	2,703	4,908	4,837	5,668	4,410	3,145	3,044	4,172	3,900	3,557	3,417	4,732	4,148	2,519	2,478	3,443	3,696
3/2012	2,735	4,958	4,877	5,838	4,567	3,325	3,158	4,752	3,859	3,785	3,627	5,123	4,091	2,481	2,472	3,465	3,698
2/2012	2,618	5,050	4,954	6,313	4,420	3,010	2,950	4,117	3,785	3,529	3,412	5,233	4,107	2,418	2,401	3,423	3,651
1/2012	2,617	4,736	4,676	5,103	4,683	3,095	2,998	4,980	4,272	3,489	3,350	5,048	4,481	2,444	2,396	3,497	3,727
12/2011	2,856	4,803	4,667	4,914	5,162	3,320	3,067	4,617	4,990	3,830	3,527	4,769	5,090	2,640	2,582	3,560	3,876
11/2011	2,697	4,782	4,714	5,414	4,474	3,073	3,016	4,692	3,480	3,533	3,424	5,180	3,871	2,460	2,436	3,476	3,705

Source: CNB
¹⁾ New business is defined as any new agreement between the bank and the client during the reference period. More information.
²⁾ For new lending business a breakdown by the initial period of fixations is introduced. It is a predetermined period of time at the beginning of the contract during which the value of the interest rate cannot change.
³⁾ For this instrument category, the new business are equal to the outstanding amounts (end-of-period stocks).
⁴⁾ Debit balances on current accounts. The total amount owed by the borrower is included, irrespective of whether is within or beyond any limit agreed beforhand.

Table B5.2
Bank interest rates on CZK-denominated loans to Czech non-financial corporations: Selected indicators - new business¹⁾
(%)

A comma (,) represents a decimal point delimiter; a blank between figures or a point (.) within one number represent a thousand group delimiter.

	Loans: floating rate and up to 3 months period of initial rate fixation²⁾				Loans: floating rate and up to 1 year period of initial rate fixation²⁾, with original maturity over 1 year
	Total	Up to CZK 7,5 mil	CZK 7,5 - 30 mil	Over CZK 30 mil	Total	Up to CZK 7,5 mil	CZK 7,5 - 30 mil	Over CZK 30 mil

12/2012	2,321	4,126	2,502	2,225	3,631	4,700	3,264	3,610
11/2012	2,267	4,147	2,417	2,158	3,257	4,831	3,064	3,175
10/2012	2,412	4,468	2,728	2,285	3,611	5,049	3,568	3,491
9/2012	2,280	4,276	2,745	2,106	3,869	4,630	3,570	3,763
8/2012	2,486	4,533	2,822	2,331	3,521	4,994	3,350	3,317
7/2012	2,633	4,402	3,034	2,503	3,963	4,802	3,907	3,879
6/2012	2,885	4,549	3,011	2,767	4,001	4,954	3,515	3,985
5/2012	2,761	4,618	2,997	2,638	3,903	5,056	3,811	3,781
4/2012	2,620	4,912	3,122	2,475	3,903	5,711	3,886	3,738
3/2012	2,585	4,864	3,041	2,401	4,328	5,504	3,761	4,204
2/2012	2,545	5,024	3,167	2,362	3,723	5,575	3,642	3,557
1/2012	2,531	4,687	3,147	2,379	4,258	5,644	3,782	4,225
12/2011	2,660	4,666	3,086	2,511	3,877	5,286	3,764	3,751
11/2011	2,640	4,758	3,197	2,430	3,578	5,212	3,653	3,310

Table B6
APRC¹⁾ Annual percentage rate of charge on CZK-denominated bank loans to Czech households - new business
(%)

A comma (,) represents a decimal point delimiter; a blank between figures or a point (.) within one number represent a thousand group delimiter.

	Consumer credit	Lending for house purchase

12/2012	15,923	3,700
11/2012	16,519	3,831
10/2012	16,204	3,980
9/2012	16,272	3,966
8/2012	16,282	4,015
7/2012	16,297	4,053
6/2012	16,145	4,075
5/2012	16,144	4,133
4/2012	16,207	4,180
3/2012	15,995	4,165
2/2012	16,251	4,115
1/2012	16,459	4,094
12/2011	15,774	4,084
11/2011	16,136	4,140

Source: CNB
¹⁾ Annual percentage rate of charge on CZK-denominated bank loans to Czech households - new business.
APRC covers total costs of the credit to the client including charges etc.
²⁾ New business is defined as any new agreement between the bank and the customer during the reference period.