□ In January 2026, the average interest rate on new deposits was 2.78%, down 12 basis points from the previous month.

  ― The average interest rate on outstanding amounts of deposits as of end-January was 2.01%, up 1 basis points from the previous month.

□ In January 2026, the average interest rate on new loans was 4.24%, up 5 basis points from the previous month.

  ― The average interest rate on outstanding amounts of loans as of end-January was 4.25%, up 2 basis points from the previous month.