Interest rates on the credit and deposit market, June 2019

Source: National Bank of the Republic of Belarus in English

2018
January – december 2018
2019
January
June
January
March
April
May
June
A. Average interest rates in Belarusian rubles
1. On newly attracted bank deposits
legal persons*
demand
3.00
3.00
3.00
3.00
3.00
3.00
3.00
3.00
up to 1 year
5.75
6.83
6.61
6.97
7.74
7.74
7.88
7.71
over 1 year
7.37
8.44
7.40
8.35
8.74
8.48
9.93
10.60
natural persons
demand
0.19
0.19
0.26
0.19
0.64
0.14
0.16
0.36
up to 1 year
6.63
8.20
8.20
8.72
8.82
8.78
8.95
9.03
over 1 year
10.00
11.37
11.13
11.85
12.21
12.34
12.59
12.62
2. On banks’ newly extended credits
legal persons
up to 1 year
11.62
11.43
11.30
11.13
11.21
11.36
11.42
11.34
over 1 year
11.41
10.62
10.61
10.78
10.46
9.92
10.86
10.77
natural persons
up to 1 year
9.61
9.27
9.03
9.13
9.55
9.28
9.52
9.33
over 1 year
11.42
11.61
11.32
10.89
11.44
11.42
11.68
11.75
B. Average interest rates in foreign exchange
3. On newly attracted bank deposits
legal persons*
demand
0.20
0.11
0.12
0.20
0.20
0.10
0.10

up to 1 year
1.62
1.02
1.20
0.98
1.59
1.27
1.45
1.05
over 1 year
1.86
1.53
1.43
1.61
1.65
1.79
1.88
0.75
natural persons
demand
0.10
0.10
0.10
0.10
0.10
0.10
0.10
0.10
up to 1 year
0.67
0.63
0.65
0.76
0.79
0.88
0.83
0.77
over 1 year
1.62
1.71
1.64
2.23
2.36
2.32
2.12
2.36
4. On banks’ newly extended credits
legal persons
up to 1 year
5.23
4.72
4.68
4.28
4.26
4.36
4.56
4.42
over 1 year
6.29
5.43
5.82
6.05
5.34
5.24
5.54
5.40
natural persons
up to 1 year








over 1 year







Methodological comments:
Methodological comments to calculation of indicators are given in section 7 “Methodological notes to the tables of the Bulletin of Banking Statistics.
* By 2015 – legal persons and government agencies; from 2015 – legal persons.

MIL OSI

Main performance indices and participants of the Belarus interbank settlement system, January – June 2019

Source: National Bank of the Republic of Belarus in English

Indices
January – June, 2018
January – June, 2019
Deviation
(clm.3–clm.2)
(clm.3/clm.2)*100-100, %
1
2
3
4
5
1. Effected payment instructions
 
 
 
 
1.1. By number, thou units
37,533.9
39,328.3
1,794.4
4.8
1.2. By value, mln rubles BYN
276,505.0
326,101.9
49,597.0
17.9
2. Average daily turnover
 
 
 
 
2.1. By number, thou units
300.3
319.7
19.5
6.5
2.2. By value, mln rubles BYN
2,212.0
2,651.2
439.2
19.9
3. Average size of payment instruction, thousand rubles BYN
7.4
8.3
0.9
12.6
4. Canceled payment instructions
 
 
 
 
4.1. By number, units
0
0
0.0
X
% of the total amount conducted payment instructions
0.000
0.000
 
 
4.2. By value, thousand rubles BYN
0.0
0.0
0.0
X
% of the total amount conducted payment instructions
0.000
0.000
 
 
5. Сoefficient of accessibility*,%
99.96
100.00
X
X

Indices
January – December, 2017
January – December, 2018
Deviation
(clm.3–clm.2)
(clm.3/clm.2)*100-100, %
1
2
3
4
5
1. Effected payment instructions
 
 
 
 
1.1. By number, thou units
73,006.2
77,971.3
4,965.1
6.8
1.2. By value, mln rubles BYN
565,768.6
578,751.2
12,982.6
2.3
2. Average daily turnover
 
 
 
 
2.1. By number, thou units
288.6
308.2
19.6
6.8
2.2. By value, mln rubles BYN
2,236.2
2,287.6
51.3
2.3
3. Average size of payment instruction, thousand rubles BYN
7.7
7.4
-0.3
-4.2
4. Canceled payment instructions
 
 
 
 
4.1. By number, units
0
0
0.00
X
% of the total amount conducted payment instructions
0.000
0.000
 
 
4.2. By value, thousand rubles BYN
0.0
0.0
0.0
X
% of the total amount conducted payment instructions
0.000
0.000
 
 
5. Сoefficient of accessibility*,%
99.99
99.98
X
X

* This indicator shows the ASIS’s (Automated System of Interbank Settlements) readiness to carry out interbank settlements, including the acceptance, processing, and transfer of electronic payment documents during the time stipulated by the timetable for the BISS acceptance and processing of electronic payment documents and electronic messages from the participants of the BISS.

MIL OSI

Surveys of the National bank, other depository and depository organizations as of July 1, 2019

Source: National Bank of the Republic of Belarus in English

Indicators
01/01/2019
01/04/2019
01/05/2019
01/06/2019
01/07/2019
Net foreign assets
13,473.7
13,518.5
14,052.6
15,249.7
15,138.4
Claims on nonresidents
15,183.2
14,912.2
15,438.6
17,692.3
17,544.6

Monetary gold*

4,085.0
4,085.7
4,008.1
5,100.3
5,464.4

Foreign currency

93.0
90.0
88.4
87.7
87.2

Deposits

9,280.2
8,997.1
9,573.7
9,827.7
9,389.9

Securities other than shares

548.7
533.0
496.0
486.0
460.7

Loans

1,176.4
1,206.3
1,272.3
2,190.7
2,142.4

Other

0.0
0.2
0.0
0.0
0.0
Liabilities to nonresidents
1,709.5
1,393.7
1,386.0
2,442.6
2,406.2

Deposits

103.5
98.8
101.9
99.0
100.8

Loans

1,203.9
1,018.7
1,013.9
1,010.0
990.0

Securities other than shares

401.9
274.6
269.9
267.7
266.5

Other**

0.2
1.6
0.3
1,066.0
1,048.9
Net claims on general government
-12,769.5
-10,836.4
-12,842.8
-13,474.9
-12,549.8
Claims on general government
340.1
339.7
308.5
308.6
308.1

Securities other than shares

340.1
339.7
308.5
308.6
308.0

Other claims

0.0
0.0
0.0
0.0
0.0
Liabilities to general government
13,109.6
11,176.1
13,151.4
13,783.5
12,857.9

Deposits

13,109.6
11,175.7
13,151.2
13,783.3
12,857.4

Other liabilities

0.0
0.4
0.1
0.2
0.5
Claims on other depository corporations
917.2
217.8
169.0
177.1
214.1
Claims on other sectors
1,412.3
1,383.3
1,377.9
1,380.6
1,374.6

Claims on other financial organizations

1,268.9
1,239.7
1,234.4
1,234.9
1,218.8

Claims on public nonfinancial organizations

136.5
136.5
136.5
138.7
148.7

Claims on other nonfinancial organizations

6.4
6.6
6.5
6.5
6.4

Claims on natural persons

0.5
0.6
0.6
0.6
0.6
Monetary base
8,623.9
8,453.2
8,197.5
8,519.3
8,342.2

Cash in circulation

2,991.6
2,986.7
3,017.5
3,101.9
3,243.1

Cash in other depository corporations’ offices

746.6
675.3
724.2
691.4
763.7

Required reserves

4,093.1
4,174.5
4,231.3
4,413.3
4,178.4

Other depository corporations’ deposits

788.5
611.7
220.4
308.6
152.7

Other sectors’ deposits

4.1
4.9
4.0
4.1
4.2

Securities other than shares included in Broad money

0.0
0.0
0.0
0.0
0.0
Other liabilities to other depository corporations
1,664.9
2,995.1
1,756.7
1,892.0
2,544.4

Deposits

7.0
2.5
0.0
0.0
0.0

Financial derivatives

0.0
0.0
0.0
0.0
0.0

Other

1,657.9
2,992.6
1,756.7
1,892.0
2,544.4
Securities other than shares excluded from monetary base and included in broad money
0.0
0.0
0.0
0.0
0.0
Deposits excluded from monetary base and broad money
1,444.9
1,442.2
1,448.8
1,439.2
1,407.5
Securities other than shares excluded from monetary base and broad money
198.5
282.2
264.5
374.5
329.5
Shares and other equity
-8,569.4
-8,558.0
-8,612.4
-8,606.1
-8,227.0
Other items (net)
-329.0
-331.5
-298.4
-286.5
-219.3

Other liabilities

8,938.1
8,472.7
8,340.2
8,205.5
8,010.1

Other assets

9,267.1
8,804.3
8,638.6
8,491.9
8,229.5

* Since June 1, 2019, include holdings in the special drawing rights.
** Since June 1, 2019, include allocation of the special drawing rights.

Methodological comments to calculation of indicators are given in section 7 “Methodological notes to the tables” of the Bulletin of Banking Statistics.

MIL OSI

Broad money supply as of July 1, 2019

Source: National Bank of the Republic of Belarus in English

BYN mln

Indicators
01/01/2019
01/04/2019
01/05/2019
01/06/2019
01/07/2019
1. Cash in circulation – М0
2,991.6
2,986.7
3,017.5
3,101.9
3,243.1
2. Transferable deposits
5,624.2
4,926.3
4,812.9
5,013.4
5,534.0

2.1. Natural persons

2,757.1
2,579.2
2,556.7
2,662.5
3,077.8

2.2. Legal entities^

2,867.1
2,347.2
2,256.2
2,350.9
2,456.2
Monetary aggregate – M1
8,615.7
7,913.0
7,830.4
8,115.3
8,777.1
3. Other deposits
7,378.5
7,828.8
7,544.1
7,714.7
8,004.3

3.1. Natural persons

4,010.8
4,222.9
4,283.1
4,345.6
4,448.3

3.2. Legal entities^

3,367.7
3,605.9
3,261.0
3,369.1
3,556.1
Ruble money supply according to the national definition – M2
15,994.2
15,741.9
15,374.5
15,830.0
16,781.5
4. Securities issued by banks (outside bank circulation) in national currency
904.7
1,291.2
1,155.5
1,242.3
1,299.7
Ruble money supply – M2*
16,899.0
17,033.1
16,530.0
17,072.3
18,081.2
5. Deposits in foreign currency
23,998.1
24,567.8
23,714.3
24,158.6
23,848.3

5.1. Transferable deposits

6,181.5
7,167.3
6,402.4
6,479.0
6,365.9

5.1.1. Natural persons

2,235.9
2,381.3
2,425.5
2,418.5
2,462.3

5.1.2. Legal entities^

3,945.6
4,786.0
3,976.9
4,060.4
3,903.5

5.2. Other deposits

17,816.6
17,400.5
17,311.8
17,679.7
17,482.4

5.2.1. Natural persons

13,170.2
13,101.6
12,964.4
12,903.7
12,765.2

5.2.2. Legal entities^

4,646.4
4,298.9
4,347.5
4,775.9
4,717.2
6. Securities issued by banks (outside bank circulation) in foreign currency
2,080.3
2,050.6
2,057.1
2,018.4
1,719.8
7. Precious metals deposits
255.6
209.8
163.7
138.6
124.2
Broad money – M3
43,232.9
43,861.2
42,465.1
43,388.0
43,773.4
For information:
Deposits in foreign currency, USD m
11,111.3
11,540.7
11,244.8
11,529.9
11,671.5

Natural persons

7,133.1
7,273.1
7,297.6
7,312.7
7,452.4

Legal entities^

3,978.2
4,267.6
3,947.3
4,217.2
4,219.0

1. Transferable deposits

2,862.1
3,366.8
3,035.9
3,092.1
3,115.5

1.1. Natural persons

1,035.2
1,118.6
1,150.1
1,154.3
1,205.1

1.2. Legal entities^

1,826.8
2,248.2
1,885.8
1,937.9
1,910.4

2. Other deposits

8,249.2
8,173.8
8,208.9
8,437.8
8,556.0

2.1. Natural persons

6,097.9
6,154.5
6,147.4
6,158.4
6,247.4

2.2. Legal entities^

2,151.3
2,019.4
2,061.5
2,279.4
2,308.6
Securities issued by banks (outside bank circulation) in foreign currency, USD m
963.2
963.3
975.4
963.3
841.7
Precious metals deposits, USD m
118.3
98.5
77.6
66.2
60.8

^ Legal entities – commercial and non-commercial institutions, independent entrepreneurs, non-bank credit and financial institutions.

Methodological comments to calculation of indicators are given in section 7 “Methodological notes to the tables” of the Bulletin of Banking Statistics.

MIL OSI

Foreign trade of goods and services, January-May 2019

Source: National Bank of the Republic of Belarus in English

“Goods” and “Services” items are components of the current account of the Balance of Payments of the Republic of Belarus. Since 2012, the data are compiled in compliance with the IMF’s methodological recommendations provided for in the sixth edition of the IMF’s Balance of Payments and International Investment Position Manual (IMF, Washington, D.C., 2009).
Statistical Information:
According to the 6th Edition of the Manual:

Reconciliation between the data on trade of the Republic of Belarus:

According to the 5th edition of the IMF’s Balance of Payments Manual (IMF, 1993) 2003-2011:
Information on Payments for Export and Import of Goods and Services, Income and Transfers of Nonfinancial corporations and households:
See also:

MIL OSI

Final conference in Minsk reviews the outcomes of the EU Twinning Project “Strengthening the National Bank of Belarus” (Press release)

Source: National Bank of the Republic of Belarus in English

A final conference for the EU funded Twinning Project “Strengthening the National Bank of Belarus” took place in Minsk on July 10, 2019. The project has been implemented over the last 18 months by a consortium of three EU central banks – Deutsche Bundesbank, Narodowy Bank Polski, and the Bank of Lithuania.

As it was underlined at the final conference, the partnership relations among the project participants that have been established in the course of the project implementation facilitated the equal and mutually beneficial exchange of experience, which ensured the relevance of the project results and their use by the National Bank and other government agencies in their decision-making processes.
In his opening remarks, the Belarusian Project Leader, Deputy Chairman of the Board of the National Bank of the Republic of Belarus Mr. Sergei Kalechits underlined: “By pooling the expertise of the National Bank of Belarus and the EU central banks within the Twinning Project, we have been able to achieve substantial practical results in the areas of financial stability, banking supervision, protection of financial services consumers’ rights, payment systems and information technologies, financial risks management and communication policy”.
“Inspired by the results achieved under this project, we are exploring options for the preparation of a new Twinning project with the National Bank,” said Sergei Kalechits.
Andrea Wiktorin, Head of the Delegation of the European Union to Belarus, said: “I am pleased to witness the successful completion of the first Twinning project in Belarus. It was aimed at strengthening the capacity of the National Bank of Belarus in performing its key functions as the central bank. Experts and specialists from the EU member states worked together with their Belarusian colleagues for more than a year to increase their professional skills, bring the best practices of the EU countries and adapt them to the local conditions and needs. I hope that in the nearest future the Belarusian people will see the positive results of the project in their everyday life – lower inflation, more stable Belarusian ruble, stronger banking supervision, more reliable payment system, etc.”
H.E. Ambassador Wiktorin also added that successful implementation of the project has been an incentive example for other government agencies, which also express their intention and readiness to start cooperation with corresponding institutions from the EU countries. The following agencies declared their interest in implementing a twinning project: the National Cadastral Agency, the Ministry of Emergency Situations, the State Border Committee, the State Customs Committee, and the National Statistical Committee of the Republic of Belarus.
Member of the Board of the Deutsche Bundesbank Mr. Burkhard Balz expressed the hope for continuation of cooperation. “The great European politician Jean Monnet once said: ‘We are not allying states, we are bringing people together’. In this vein, I hope that the joint Twinning project between the EU and the National Bank of the Republic of Belarus will not be the last one,” said Mr. Balz.
Deputy Chair of the Board of the Bank of Lithuania Ms. Asta Kuniyoshi remarked: “Through the collective efforts of everyone involved in the Twinning project, we were able to achieve tangible results. It is my belief that they will put the National Bank of the Republic of Belarus on a successful trajectory. Crucially, the commitment, responsibility, professionalism, and deep engagement of our Belarusian counterparties both on expert and management levels played a key role in bringing the project to a successful conclusion”.
“It has been a great honour for us to participate in the first Twinning project for the Republic of Belarus. I believe the results of the project will be useful for the National Bank of the Republic of Belarus,” declared Mr. Pawel Samecki, Member of the Board of Narodowy Bank Polski, at the conference. “In more general terms, I hope this project will be perceived by the Belarusian authorities as a good example of the benefits that twinnings may bring about.”
Twinning is the European Union’s instrument, which supports direct collaboration among the EU public institutions and the partner countries (beneficiaries). Twinning projects mobilise the expertise of the state agencies of the EU member states and the beneficiary countries towards achievement of agreed mandatory results by dint of implementing arrangements based on equal partnership.
The National Bank became the first government agency in the Republic of Belarus which participated in the Twinning project. The Twinning Agreement was signed on December 22, 2017 with a budget of EUR1.15 million.
The project was comprised of six components, with specific results being achieved in each of them.
The main results of implementation of the Component 1 “Payment Systems” became the development of the Draft Law of the Republic of Belarus “On Payment Systems and Payment Services in the Republic of Belarus”, as well as the drafting and posting on the official website of the National Bank of the public version of the Annual Payment System Oversight Report.
Under Component 2 “Financial Stability”, the Concept for the enhancement of the National Bank’s institutional capacity to ensure financial stability and implement a macroprudential policy, as well as the draft Decree of the President of the Republic of Belarus, which provides for the legal consolidation of the main approaches to ensuring financial stability in the country, were developed.
As a result of Component 3 “Banking Supervision”, the National Bank implemented a state-of-the-art set of tools for banking supervision, adopted a methodology for the Supervisory Review and Evaluation Process (SREP) and established the indicators of the early warning system.
Within implementation of Component 4 “Financial Risk Management”, a comprehensive review of the financial risk management framework at the National Bank was undertaken, which brought about a set of recommendations and an action plan on enhancement of the risk management framework. In addition, the internal manual that provides for the guidelines for financial risk management was drafted.
Under Component 5 “Financial Consumer Protection”, the concept of a financial consumer framework in the Republic of Belarus was developed, with an extensive input from the project’s short-term experts. A standardized terminology was prepared, covering the most common banking products, which is expected to increase the transparency and clarity of contractual terms for consumers of financial services.
Under Component 6 “Communication Policy”, a new communication policy was drafted and approved by the National Bank’s Board, which is aimed at raising the level of confidence in the National Bank as a government agency that pursues open, consistent and transparent policies towards ensuring financial and price stability, as well as the internal manual on its implementation and the methodology for evaluating its performance.
Over the course of the project, 67 missions, 3 expert forums, 3 study visits and 2 internships took place. Fourteen workshops and 2 roundtables were conducted. About 100 short-term experts from the EU member states participated in the missions to the National Bank of Belarus.
On the part of the beneficiary’s country, more than 200 managers and experts of the National Bank, representatives of government agencies, banks, banking associations and other involved organizations of the Republic of Belarus participated in the project events.

MIL OSI

Agreement on cooperation between the National Bank of the Republic of Belarus and International Finance Corporation was signed (Information statement)

Source: National Bank of the Republic of Belarus in English

National Bank of the Republic of Belarus and International Finance Corporation signed agreement on cooperation aimed at increasing the quantity of transactions with security in the form of movable estate for improvement of the access to financing of SME and their sustainable development in the Republic of Belarus.
Agreement on cooperation has been drafted within the framework of the acting Agreement on financing as of April 5, 2018 envisaging the implementation of action “Support to Business and Economic Development in Belarus. ENI/2017/40509”, and aims at continuing interaction with the International Finance Corporation and National Bank of the Republic of Belarus on the issues of supporting reforms in the sphere of secured transactions.
The Register of pledged movable property was created according to Edict of the President of the Republic of Belarus No. 539 dated December 31, 2015 (hereinafter– Edict No.539) as a result of such cooperation.
The new joint project in action until the end of 2022 provides for implementation of the number of measures aimed at further improving legal and institutional bases of the covered transactions in the Republic of Belarus, including by means of making appropriate changes to Edict No.539, modernizing software used for functioning of the Register of pledged movable property, as well as envisages conduct of explanatory work among the representatives of the government agencies, SME and other stakeholders about the new possibilities and practical aspects of applying secured transactions for improving access to financing.

MIL OSI

Official average exchange rate of the Belarusian ruble against foreign currencies, June 2019

Source: National Bank of the Republic of Belarus in English

Exchange rate indices of the belarusian ruble against foreign currencies (calculated as the geometric mean)

Period
Official average exchange rate of the Belarusian ruble
to US Dollar
to Euro
to 100 Russian Rubles
January
2.1574
2.4637
3.2187
February
2.1539
2.4457
3.2736
January – February
2.1557
2.4547
3.2460
March
2.1262
2.4071
3.2659
January – March
2.1458
2.4387
3.2526
April
2.1156
2.3780
3.2746
January – April
2.1382
2.4234
3.2581
May
2.0918
2.3402
3.2273
January – May
2.1288
2.4065
3.2519
June
2.0688
2.3335
3.2213
April – June
2.0920
2.3505
3.2410
January – June
2.1187
2.3942
3.2468

Exchange rate indices of the belarusian ruble against foreign currencies (calculated as the arithmetical mean)

Period
Official average exchange rate of the Belarusian ruble
to US Dollar
to Euro
to 100 Russian Rubles
January
2.1577
2.4637
3.2157
February
2.1550
2.4468
3.2731
January – February
2.1564
2.4557
3.2429
March
2.1269
2.4074
3.2648
January – March
2.1462
2.4390
3.2505
April
2.1155
2.3769
3.2738
January – April
2.1386
2.4235
3.2563
May
2.0940
2.3434
3.2305
January – May
2.1294
2.4070
3.2510
June
2.0688
2.3329
3.2213
April – June
2.0928
2.3510
3.2417
January – June
2.1194
2.3948
3.2461

Methodological comments:
Methodological comments to calculation of indicators are given in section 7 “Methodological notes to the tables of the Bulletin of Banking Statistics.

MIL OSI

Balance of Payments of the Republic of Belarus with the member states of the Eurasian Economic Union, January-March 2019

Source: National Bank of the Republic of Belarus in English

The balance of payments of the Republic of Belarus with the member states of the Eurasian Economic Union – a statistical statement that summarizes transactions between residents of the Republic of Belarus and the member states of the Eurasian Economic Union during a period.
The sixth edition of the International Monetary Fund’s Balance of Payments and International Investment Position Manual (IMF, 2009) (hereinafter – BPM6) provide the methodological framework for compilation of the balance of payments of the Republic of Belarus with the member states of the Eurasian Economic Union.
Methodological approaches and statistical indicators of bilateral balance of payments of the Republic of Belarus and the Russian Federation agreed annually with the Central Bank of the Russian Federation. Statistical indicators of the bilateral balance of payments of the Republic of Belarus and the Republic of Kazakhstan presented based Belarusian side. Statistical indicators of the bilateral balance of payments of the Republic of Belarus and the Republic of Armenia presented based Belarusian side. Statistical indicators of the bilateral balance of payments of the Republic of Belarus and the Republic of Kyrgyzstan presented based Belarusian side.
Statistical Information:
According to BPM6:
See also:

MIL OSI

Estimated values of standard risk on the instruments of the credit and deposit market for July 2019 were published

Source: National Bank of the Republic of Belarus in English

Since March 1, 2019, the National Bank put in place a set of measures of macroprudential nature designed to limit systemic risks generated by the business models of banks with high appetite for risk.
The basis of this system is formed by the approach, according to which the strengthened regulatory requirements in the area of capital adequacy, build-up of special provisions to cover potential losses and allocation of the required reserves fund are applied. An excess of the interest rates on new deposits, credits and issued bonds set by banks over the corresponding estimated values of standard risk (hereinafter – the “EVSR”) is used as an indicator of the increased level of risk of the business models implemented by banks.
The EVSR are calculated by the National Bank every month on the basis of average interest rates on six financial instruments of the credit and deposit market in the national currency of systemically important banks attributed to the Group of Importance 1:
new term revocable bank deposits of natural persons;
– new term irrevocable bank deposits of natural persons ( across maturity buckets: from 1 to 6 months (inclusively); from 6 months to 1 year (inclusively); and over 1 year);
– new credits issued to natural and legal persons (excluding credits issued on preferential terms by the decisions of the President and Government of the Republic of Belarus at the expense of republican and local authorities’ funds).
The algorithm of the EVSR calculation is based on the arithmetic average and the degree of variation of interest rates taken into account.
The EVSR for new term bank deposits is calculated on the basis of data on average interest rates on natural persons’ deposits and used for deposits of both natural and legal persons.
Table – Values of Estimated Standard Risk, % per annum

List of indicators
Value, % per annum
March 2019
April 2019
May 2019
June 2019
July 2019

EVSR for new term revocable bank deposits of natural and legal persons

7.79
7.97
7.91
7.79
7.60

EVSR for new term irrevocable bank deposits of natural and legal persons with maturity from 1 to 6 months (inclusively)

9.67
9.79
10.06
9.86
9.69

EVSR for new term irrevocable bank deposits of natural and legal persons with maturity from 6 months to 1 year (inclusively)

10.59
10.65
10.96
10.84
10.71

EVSR for new term irrevocable bank deposits of natural and legal persons with maturity over 1 year

12.66
12.74
12.94
12.98
12.93

EVSR for new credits issued to legal persons (excluding those issued on preferential terms)

11.87
11.99
12.04
12.00
11.84

EVSR for new credits issued to natural persons (excluding those issued on preferential terms)

15.41
15.49
15.55
15.36
14.59

MIL OSI