Footnotes

Table 2.5.2.: Average Commercial Banks' Interest Rates on Basis of Interest
(Methodology in details is shown on page Financial Data: Methodology of statistical time series)

Income and Interest Expenses
Interest rates are computed as the ratio of the amount of interest to the average balance of assets.
Interest is represented by the interest income and interest expenses. The average amount of investments/
assets is a sum of daily values divided by the number of days.
Because of the change in the frame of accounts for banks and savings banks since May 2002 the
revalorization and interest incomes are no more represented separately, so the calculation of the real
effective interest rates is no longer possible.