A simple enquiry on heterogeneous lending rates and lending behaviour

Size Classes of
Banks

Description of the exact definition employed by the Bank
of Italy

Definition     for the

corresponding       size

classes of banks included
in the tables and for the
dummy variable included
in the estimates

1

major banks and large sized banks

I1

2

Average sized banks

I2

_______3

Small and minor sized banks

I3___________________________

Geographic
area according
to the

Regions included in the geographic area

Definition for the dummy
variable included in the
estimates_______________

1

Piemonte, Val d'Aosta, Liguria

a1

2

Lombardia, Triveneto, Emilia Romagna

a2

3

Toscana, Marche, Umbria

a3

4

Lazio

a4

5

Abruzzi, Molise, Puglia, Basilicata

a5

_______6

Campania, Calabria, Sicilia, Sardegna

a6___________________

Size classes
of bank
deposits the
observed
interest rates
are referred to

Description of the size classes
employed by the Bank of Italy

Observed variable

1

Less than 100 million lira

Average
class

interest

rate

on

bank deposits

of the

given

size

2

From 100 to 250 million lira

Average
class

interest

rate

on

bank deposits

of the

given

size

3

From 250 to 500 million lira

Average
class

interest

rate

on

bank deposits

of the

given

size

4

From 500 million lira to 1 billion

Average
class

interest

rate

on

bank deposits

of the

given

size

5

Over 1 billion

Average interest rate
class

on

bank deposits

of the

given

size