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 6
all bank size       from I1             from I2            from I3

average interest
rate for c1 in a6

17.04591

17.91583

16.77564

16.44625

var. for c1 in a6

2.309148

1.699835

1.792189

2.395098

average interest
rate for c3 in a6

15.78683

16.71556

15.39789

15.24702

var. for c3 in a6

3.761436

3.68598

2.898527

4.006274

average interest
rate for c4 in a6

15.23935

16.16324

15.05896

14.49585

var. for c4 in a6

3.62321

3.197539

2.897184

3.517479

average interest
rate for c5 in a6

13.66008

13.93501

13.55223

13.49301

var.for c5 in a6

3.55933

3.410671

3.983223

3.387823

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.

35



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