Statistics Norway

  30 September 2010 30 June 2010 31 March 2010 31 December 2009 30 September 2009 Changes in interest rates Share of loans Per cent
  Last quarter Last year 30 September 2010 30 June 2010
1. Total loans from banks 4.66 4.56 4.42 4.28 4.19 0.15 0.17 59.4 59.1
2. Total bank deposits 2.20 2.11 1.99 1.86 1.68 0.12 0.23    
3. Banks' interest rate margin (1-2) 2.46 2.45 2.43 2.42 2.51 0.03 -0.06    
                   
4. Lending rate, mortage companies 3.60 3.49 3.36 3.19 3.18 0.13 0.06 31.5 31.7
5. Lending rate, life insurance companies 3.91 3.79 3.83 3.73 3.69 -0.04 -0.14 1.4 1.5
6a. Lending rate, state lending institutions 2.79 2.76 2.72 2.70 3.11 0.04 -1.44 7.6 7.7
6b. Lending rate, state lending institutions exsclusive loans with zero interest rates in the Norwegian State Educational Loan Fund 3.29 3.21 3.16 3.08 3.65 0.05 -1.65    
Total loans from financial corporations2 4.17 4.07 3.95 3.85 3.83 0.13 -0.06  100.0  100.0
                   
7.The Norwegian Public Service Pension Fund 2.75 2.49 2.25 2.02 2.26 0.24 -0.79    
                   
8. Nibor (3mnd. effective) 2.66 2.86 2.39 2.24 1.98 0.47 0.86    
Deposits margin (8 - 2) 0.46 0.75 0.40 0.38 0.30 0.35 0.63    
Loans margin (1 - 8) 2.00 1.70 2.03 2.04 2.21 -0.32 -0.69    
                   
Banks. Repayment loans with home mortgages 4.21 4.15 4.04 3.91 3.84 0.11 0.12 24.7 25.0
Banks. Credit loans with home mortgages 3.62 3.55 3.43 3.32 3.19 0.12 0.12 6.1 5.9
Banks. Loans margin repayment loans with home mortgages (9 - 8) 1.55 1.29 1.65 1.67 1.86        
Banks. Loans margin on credit loans with home mortgages 0.96 0.69 1.04 1.08 1.21 -0.35 -0.74    
                   
Mortgage companies. Repayment loans with home mortgages 3.76 3.65 3.56 3.39 3.37 0.09 0.05 16.0 15.8
Mortgage companies Credit loans with home mortgages 3.48 3.44 3.30 3.11 3.07 0.14 0.12 7.1 7.0
Mortgage companies. Loans margin repayment loans with home mortgages (9 - 8) 1.10 0.79 1.17 1.15 1.39        
Mortgage companies. Loans margin on credit loans with home mortgages 0.82 0.58 0.91 0.87 1.09        
Life insurance companiess. Repayment loans with home mortgages 3.77 3.62 3.64 3.50 3.50 0.15 0.27 0.4 0.4
State lending institutions. Repayment loans with home mortgages 3.55 3.46 3.39 3.36 3.54 0.07 -0.79 2.6 2.6
                   
Home mortgages from financial corporations 4.01 3.92 3.84 3.72 3.69 0.08 -0.02 43.6 43.9
Credit lines from financial corporations 3.55 3.49 3.36 3.23 3.14 0.13 0.10 13.2 13.0
Loans secured on dwellings from financial corporations 3.90 3.82 3.73 3.61 3.57 0.08 0.33 56.9 56.8
                   
Totale loans from banks and mortgage companies 4.29 4.19 4.06 3.95 3.90 0.14 0.06 91.0 90.9
                   
Key policy rate3 2.00 2.00 1.75 1.75 1.25 0.25 0.75    
Overnight lending rate3 3.00 3.00 2.75 2.75 2.25 0.25 0.75    
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.
2  Includes banks, mortgage companies, life insurance companies and state lending institutions. The Norwegian Public Service Pension Fund is not included.
3  Source: Central bank of Norway.

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