Interest rates in financial corporations, 4. quarter 2007

Interest rates in financial corporations, 4. quarter 2007¹
	31.12.2007	30.09.2007	30.06.2007	30.03.2007	31.12.2006	Change 4th quarter	Change last year


1. Total loans from banks	6.65	6.11	5.58	5.26	4.70	0.54	1.95
2. Total bank deposits	4.39	3.92	3.36	3.12	2.60	0.47	1.79
3. Banks' interest rate margin (1-2)	2.26	2.19	2.22	2.13	2.10	0.07	0.16

4. Lending rate, mortage companies	5.63	5.18	4.74	4.44	3.90	0.45	1.73
5. Lending rate, life insurance companies	5.82	5.42	5.08	4.79	4.37	0.40	1.45
6. Lending rate, state lending institutions	4.26	3.90	3.65	3.38	3.39	0.36	0.87
Total loans from financial corporations²	6.31	5.81	5.31	4.99	4.49	0.50	1.82

7. The Norwegian Public Service Pension Fund	5.09	4.83	4.31	4.06	3.54	0.26	1.55

8. Nibor (3 mos. effective)³	6.10	5.89	5.01	4.60	4.02	0.21	2.08
Deposit margin (8-2)	1.71	1.97	1.65	1.48	1.43	-0.26	0.28
Lending margin (1-8)	0.55	0.22	0.57	0.66	0.68	0.33	-0.13

9. Banks. Repayment loans secured on dwellings	6.35	5.78	5.26	4.95	4.40	0.57	1.95
10. Banks. Credit lines secured on dwellings	6.10	5.48	4.96	4.64	4.09	0.62	2.01
Banks. Lending margin repayment loans secured on dwellings (9-8)	0.25	-0.11	0.25	0.35	0.38	0.36	-0.13
Banks. Lending margin on credit lines secured on dwellings (10-8)	0.00	-0.41	-0.05	0.04	0.07	0.41	-0.07

¹	Weighted average interest rates incl. commissions on NOK loans from banks and other financial corporations. Weighted average interest rates on deposits in banks from non-financial enterprises, households and local government 1). Weighted average interestmargins in banks. Per cent per annum.
²	Includes banks, mortgage companies, life insurance companies and state lending institutions. The Norwegian Public Service Pension Fund is not included.
³	Bank of Norway.