□ In December 2023, the average interest rate on new deposits was 3.85%, down 14 basis point from the previous month.

   ― The average interest rate on outstanding amounts of deposits as of end-December was 2.68%, down 5 basis points from the previous month.

□ In December 2023, the average interest rate on new loans was 5.14%, down 12 basis points from the previous month.

   ― The average interest rate on outstanding amounts of loans as of end-December was 5.21, same as the previous month.