;4th quarter 2012;3rd quarter 2012; Interest rates including commissions on loans;;; Banks;4.76;4.78; Mortgage comanies;3.61;3.64; State lending institutions;2.53;2.63; Life insurance companies;3.86;3.81; Financial corporations, total;4.14;4.18; The Norwegian Public Service Pension Fund;2.23;2.25; ;;; Interest rates on deposits;;; Banks;2.31;2.30; ;;; Margins;;; Banks and mortgage companies. Interest margin;2.40;2.29; Banks. Interest rate margin;2.45;2.48; Banks. Deposits margin;-0.44;-0.29;