| 05.01.2010 |
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| Costs and Net Interest Margins in the Unindexed Local-Currency Segment, (11/09), and the Average Interest Rate, (10/09), that Serves as a Basis for Interest on the Extra-Bank Loans |
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| 1. Interest Rates and Net Interest Margins (percent) |
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| Average interest on credit to the public |
August 2009 |
September 2009 |
October 2009 |
November 2009 |
| Total |
4.01 |
4.19 |
4.24 |
4.25 |
| Term credit |
3.54 |
3.72 |
3.74 |
3.75 |
| Current accounts with debit balances and current loan accounts |
7.71 |
7.92 |
8.21 |
8.31 |
| Average interest on the public's deposits |
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| Total |
0.78 |
0.79 |
0.65 |
0.70 |
| Time deposits |
1.11 |
1.07 |
0.87 |
0.93 |
| Current accounts with credit balances |
0.05 |
0.11 |
0.09 |
0.09 |
| Interest-rate spread between interest on credit and interest on deposits |
3.23 |
3.40 |
3.59 |
3.56 |
| Net interest margin between return on assets and cost of liabilities |
1.89 |
2.14 |
2.23 |
2.12 |
| Cost of unindexed credit for purposes of the Nonbank Loans Arrangement Law1 |
4.01 |
4.19 |
4.24 |
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| 2. Balances in the Unindexed Segment (NIS billion) |
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August 2009 |
September 2009 |
October 2009 |
November 2009 |
| Balance of credit to the public |
305.6 |
306.6 |
308.4 |
309.9 |
| Of which to business customers |
218.8 |
214.2 |
213.8 |
214.3 |
| Balance of deposits of the public |
397.4 |
404.5 |
400.6 |
398.0 |
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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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