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09.10.2011
 
Costs and Net Interest Margins in the Unindexed Local-Currency Segment, (08/11), and the Average Interest Rate, that Serves as a Basis for Interest on the Extra-Bank Loans, (07/11)
 
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1.  Interest Rates and Net Interest Margins (percent)
Average interest on credit to the public May 2011 June 2011 July 2011 August 2011
Total 6.09 6.12 6.24 6.28
Term credit 5.68 5.73 5.82 5.87
Current accounts with debit balances and current loan accounts 10.46 10.54 10.80 10.82
Average interest on the public's deposits        
Total 2.23 2.39 2.39 2.41
Time deposits 2.61 2.79 2.79 2.81
Current accounts with credit balances 0.56 0.60 0.57 0.56
Interest-rate spread between interest on credit and interest on deposits 3.86 3.74 3.85 3.88
Net interest margin between return on assets and cost of liabilities 2.30 2.22 2.51 2.53
Cost of unindexed credit for purposes of the Extra-Bank Loan Regulation Law1 6.10 6.12 6.24  
 
2. Balances in the Unindexed Segment (NIS billion)
  May 2011 June 2011 July 2011 August 2011
Balance of credit to the public 360.2 363.3 367.7 368.5
Of which to business customers 233.9 235.3 239.0 238.7
Balance of deposits of the public 458.7 460.5 464.4 474.6
 
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.