□ In December 2024, the average interest rate on new deposits was 3.21%, down 14 basis points from the previous month.

   ― The average interest rate on outstanding amounts of deposits as of end-November was 2.44%, down 9 basis points from the previous month.

□ In December 2024, the average interest rate on new loans was 4.64%, down 12 basis points from the previous month.

   ― The average interest rate on outstanding amounts of loans as of end-December was 4.73%, down 4 basis points from the previous month.