Notes:

1. Lending Rate (prime lending rate) is used as the basis for determining the interest rate to be charged by the Bank to its customers. SBDK not take into account the risk premium estimation component which depends on the Bank's assessment of the risk of each debtor or group of debtors. Thus, the amount of lending rates charged to borrowers is not necessarily equal to the prime lending rate
2. In the non-mortgage consumer credit does not include the distribution of funds through credit cards and unsecured loans (KTA).