;3rd quarter 2014;2nd quarter 2014; Interest rates on loans;;; Banks;4.55;4.63; Mortgage companies;3.56;3.60; Finance companies;9.71;10.90; State lending institutions;2.29;2.51; Total (excl. The Norwegian Public Service Fund);4.06;4.15; The Norwegian Public Service Pension Fund;2.75;2.75; ;;; Interest rate on deposits;;; Banks;2.08;2.10; ;;; Margins;;; Banks and mortgage companies. Loans margin;2.46;2.41; Banks. Interest rate margin;2.47;2.53; Banks. Deposits margin;-0.40;-0.31;