□ In December 2025, the average interest rate on new deposits was 2.90%, up 9 basis points from the previous month.

  ― The average interest rate on outstanding amounts of deposits as of end-December was 2.00%, down 2 basis points from the previous month.

□ In December 2025, the average interest rate on new loans was 4.19%, up 4 basis points from the previous month.

  ― The average interest rate on outstanding amounts of loans as of end-December was 4.23%, up 2 basis points from the previous month.