A simple enquiry on heterogeneous lending rates and lending behaviour



D) A BRIEF SUMMARY OF DESCRIPTIVE STATISTICS

MEAN AND VARIANCE OF THE INTEREST RATES SET ON AVERAGE BY THE

BANKS OF VARIOUS SIZE FOR THE VARIOS SIZE CLASSES OF LOAN CREDITS
IN ALL THE GEOGRAPHIC AREAS

loans

from I1 to c1

loans from I2 to c1

loans from I3 to c1

average interest rate for c1 for all the
areas

16.86705

16.52475

15.91545

variance for c1 for all the areas

2.541764

2.170026

3.577675

loans from I1 to c3

loans from I2 to c3

loans from I3 to c3

average interest rate for c3 for all the
areas

15.60936

15.15257

14.89092

variance for c3 for all the areas

4.048736

3.552005

4.42039

loans from I1 to c4

loans from I2 to c4

loans from I3 to c4

average interest rate for c4 for all the
areas

15.16653

14.72696

14.27933

variance for c4 in all the areas

3.9862

3.599013

4.3118

loans from I1 to c5

loans from I2 to c5

loans from I3 to c5

average interest rate for c5 in all the
areas

12.85701

12.54965

12.55033

variance for 5 in all the areas

4.734899

4.039671

4.500353

N.B. mean and variance referred to the size class “c1” cannot be compared with the other because it refers to a
different and shorter observation period, where the interest rates have been, on average, higher.

MEAN AND VARIANCE OF THE INTEREST RATES SET ON AVERAGE BY THE
BANKS OF VARIOUS SIZE FOR THE VARIOS SIZE CLASSES OF LOAN CREDITS
IN AREA 1
all bank size       from I1             from I2            from I3

average interest
rate for c1 in a1

15.7431

15.95678

15.72506

15.54746

var. for c1 in a1

1.979536

2.012298

2.008203

2.002315

average interest
rate for c3 in a1

14.40492

14.78237

14.26627

14.16611

var. for c3 in a1

3.162326

3.204932

3,.63162

2.990966

average interest
rate for c4 in a1

13.93973

14.31103

13.84119

13.66697

var. for c4 in a1

3.288572

3.181843

3.54873

3.111772

average interest
rate for c5 in a1

11.93172

11.99015

12.01479

11.79021

var. for c5 in a1

3.848068

4.354332

3.788413

3.610673

N.B. mean and variance referred to the size class “c1” cannot be compared with the other because it refers to a
different and shorter observation period, where the interest rates have been, on average, higher.

32



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