A simple enquiry on heterogeneous lending rates and lending behaviour

Lending rates to loan size class “c5” in area 4

□ large and major
banks

□ average sized banks

■ small and minor
banks

Lending rates to loan size class “c5” in area 5

■ small and minor
banks

□ large and major
banks

□ average sized banks

Lending rates to loan size class “c5” in area 6

For what concerns the behaviour of interest rates for each class size of loans according to the
different lenders sizes and geographic areas a certain “geographical pattern”: “area 5” (Abruzzi, Molise,
Puglia and Basilicata) and “area 6” (campania, Calabria, Sicilia and Sardinia) show almost constantly
higher lending rates than the other areas. Also “area 4” (Lazio) would show higher lending rates than the
other three areas, excepting for the loan class “C5” including the loans larger than 1 billion liras.

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