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 4
all bank size       from I1             from I2            from I3

average interest
rate for c1 in a4

16.792

17.39481

16.87112

16.11008

var. for c1 in a4

1.747248

1.325765

1.652238

1.544723

average interest
rate for c3 in a4

15.52946

15.9933

15.83293

14.76216

var. for c3 in a4

3.169065

3.361136

2.390434

3.029693

average interest
rate for c4 in a4

15.04198

15.52703

15.2425

14.3564

var. for c4 in a4

3.163659

3.426189

2.334444

3.159273

average interest
rate for c5 in a4

12.38232

12.55527

12.26988

12.32182

var.for c5 in a4

3.458965

4.094882

3.051656

3.398884

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 5
all bank size       From I1           from I2            from I3

average interest
rate for c1 in a5

17.86528

17.79964

17.24831

18.5479

var. for c1 in a5

2.558648

1.794134

1.957937

3.258426

average interest
rate for c3 in a5

16.21687

16.47638

15.74477

16.42947

var. for c3 in a5

4.609047

3.741485

3.652608

6.375212

average interest
rate for c4 in a5

15.63421

16.04618

15.51343

15.34301

var.for c4 in a5

4.753072

3.643787

3.088822

7.546154

average interest
rate for c5 in a5

13.61227

13.98716

13.1621

13.68754

var. for c5 in a5

4.242804

3.608241

3.388026

5.637557

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.

34



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