□ In January 2025, the average interest rate on new deposits was 3.07%, down 14 basis points from the previous month.

   ― The average interest rate on outstanding amounts of deposits as of end-January was 2.40%, down 4 basis points from the previous month.

□ In January 2025, the average interest rate on new loans was 4.53%, down 11 basis points from the previous month.

   ― The average interest rate on outstanding amounts of loans as of end-January was 4.68%, down 5 basis points from the previous month.