A simple enquiry on heterogeneous lending rates and lending behaviour



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 2
all bank size       from I1             from I2            from I3

average interest
rate for c1 in a2

15.77032

15.50911

15.98415

15.81769

var. for c1 in a2

2.022209

2.016239

2.150746

1.916452

average interest
rate for c3 in a2

14.50204

14.37267

14.71491

14.41854

var. for c3 in a2

3.301466

3.298332

3.07674

3.664488

average interest
rate for c4 in a2

13.87443

14.11513

14.14424

13.95566

var. for c4 in a2

3.426298

3.450414

3.294419

3.726946

average interest
rate for c5 in a2

11.94183

11.83155

11.92504

12.0689

var. for c5 in a2

4.147299

4.731783

3.950131

3.989705

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 3
all bank size       from I1             from I2            from I3

average interest
rate for c1 in a3

16.26506

16.62611

16.54421

15.62488

var. for c1 in a3

2.341941

1.759564

2.220764

2.604152

average interest
rate for c3 in a3

14.86557

15.31585

14.95864

14.32222

var.for c3 in a3

3.951888

3.490071

4.638095

3.452015

average interest
rate for c4 in a3

14.4187

14.83658

14.56143

13.85808

var.for c4 in a3

4.103046

3.676795

4.779664

3.583915

average interest
rate for c5 in a3

12.38576

12.8429

12.37386

11.94053

var.for c5 in a3

4.419008

4.480293

4.474449

4.158398

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.

33



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