'; $toptitle1a='Press Release'; $toptitle2='Press Release'; ?>
5.1.11
 
Costs and Net Interest Margins in the Unindexed Local-Currency Segment, (11/10), and the Average Interest Rate, that Serves as a Basis for Interest on the Extra-Bank Loans, (10/10)
 
1.  Interest Rates and Net Interest Margins (percent)
Average interest on credit to the public August 2010 September 2010 October 2010 November 2010
Total 5.06 5.04 5.32 5.32
Term credit 4.6 4.58 4.84 4.82
Current accounts with debit balances and current loan accounts 9.4 9.34 9.65 9.77
Average interest on the public's deposits        
Total 1.37 1.36 1.5 1.54
Time deposits 1.73 1.7 1.84 1.87
Current accounts with credit balances .26 .28 .33 .33
Interest-rate spread between interest on credit and interest on deposits 3.69 3.68 3.82 3.76
Net interest margin between return on assets and cost of liabilities 2.6 2.52 2.65 2.65
Cost of unindexed credit for purposes of the Extra-Bank Loan Regulation Law1 5.06 5.04 5.32  
 
2. Balances in the Unindexed Segment (NIS billion)
  August 2010 September 2010 October 2010 November 2010
Balance of credit to the public 330.7 335.4 339.8 340.6
Of which to business customers 220.5 224 226.6 226.6
Balance of deposits of the public 425.7 432.9 428.7 434.5
 
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.