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Średnie ważone oprocentowanie depozytów i kredytów

w polskim systemie bankowym





do lutego 2002







od marca 2002

nie depozytów i kredytów

bankowym





2002







2002

Średnie ważone oprocentowanie depozytów i kredytów

w polskim systemie bankowym







12/96 01/97 02/97 03/97 04/97

depozyty złotowe osób prywatnych

ROR 13.2 13.2 13.0 12.7 12.7

1-miesięczne 15.6 16.1 16.0 16.3 16.3

3-miesięczne 16.5 16.5 16.8 16.8 16.8

6-miesięczne 17.8 17.8 17.7 17.7 17.7

12-miesięczne 18.9 18.9 18.9 18.9 18.9

24-miesięczne 19.7 19.8 19.6 19.7 19.7

36-miesięczne 19.0 19.0 18.9 18.9 18.9

terminowe średnia 17.9 17.8 17.9 17.9 17.9

depozyty dolarowe osób prywatnych

bieżące 2.6 2.7 2.7 2.6 2.6

1-miesięczne b.d. b.d. b.d. b.d. b.d.

3-miesięczne 3.7 3.7 3.7 3.7 3.8

6-miesięczne 3.8 3.8 3.8 3.8 3.8

12-miesięczne 4.0 4.0 4.0 4.0 4.0

24-miesięczne 4.4 4.3 4.3 4.3 4.3

36-miesięczne 4.3 4.4 4.3 4.3 4.3

terminowe średnia 4.0 4.0 4.0 4.0 4.0

depozyty w DM osób prywatnych

bieżące 2.1 2.1 2.1 2.1 2.1

1-miesięczne b.d. b.d. b.d. b.d. b.d.

3-miesięczne 2.7 2.6 2.7 2.6 2.6

6-miesięczne 2.9 2.9 2.9 2.8 2.8

12-miesięczne 3.1 3.1 3.0 3.0 2.9

24-miesięczne 3.3 3.2 3.2 3.0 3.0

36-miesięczne 3.5 3.5 3.4 3.5 3.4

terminowe średnia 3.0 3.0 3.0 2.9 2.9

depozyty złotowe podmiotów gospodarczych

bieżące 7.4 7.8 7.9 7.9 7.8

1-miesięczne 16.7 16.7 16.7 16.8 16.9

3-miesięczne 16.9 17.2 17.3 17.4 17.4

6-miesięczne 18.1 18.0 18.1 18.1 18.1

12-miesięczne 19.2 19.3 19.4 19.4 19.4

24-miesięczne 19.5 19.6 19.6 19.5 19.6

36-miesięczne 19.8 19.8 19.8 19.7 20.6

terminowe średnia 17.3 17.3 17.3 17.3 17.4

depozyty dolarowe podmiotów gospodarczych

bieżące 3.0 3.0 3.0 3.0 3.0

1-miesięczne b.d. b.d. b.d. b.d. b.d.

3-miesięczne 4.0 4.3 4.4 4.6 4.5

6-miesięczne 4.5 4.4 4.5 4.7 4.7

12-miesięczne 4.4 4.5 4.4 4.6 4.6

24-miesięczne 4.2 4.7 4.7 4.7 4.7

36-miesięczne 4.2 4.3 4.3 4.3 4.3

terminowe średnia 4.3 4.4 4.4 4.6 4.6

depozyty w DM podmiotów gospodarczych

bieżące 2.2 2.2 2.2 2.2 2.2

1-miesięczne b.d. b.d. b.d. b.d. b.d.

3-miesięczne 2.6 2.7 2.7 2.8 2.7

6-miesięczne 3.3 3.1 3.1 3.2 3.0

12-miesięczne 3.0 3.0 3.0 2.9 2.8

24-miesięczne 2.9 3.2 3.2 2.5 2.5

36-miesięczne 3.1 3.1 3.1 3.0 3.1

terminowe średnia 2.9 3.0 2.9 2.9 2.8

terminowe złotowe średnia b.d. b.d. b.d. b.d. b.d.

kredyty złotowe dla podmiotów gospodarczych

1 roczne 24.3 24.2 24.3 24.2 24.4

2 letnie b.d. b.d. b.d. b.d. b.d.

3 letnie 24.9 24.7 24.8 24.6 24.8

5 letnie b.d. b.d. b.d. b.d. b.d.

powyżej 5 lat (do 12-97 powyżej 3 lat) 24.6 24.7 24.7 24.5 24.6

średnia b.d. b.d. b.d. b.d. b.d.

kredyty gotówkowe złotowe dla osób prywatnych 26.0 26.0 26.0 25.9 26.1

średnia dla pod. gospodarczych i os.prywatnych 24.7 24.7 24.8 24.6 24.8

05/97 06/97 07/97 08/97 09/97 10/97 11/97 12/97 01/98



12.7 12.7 12.6 12.7 12.7 12.7 12.7 12.8 12.9

16.5 16.5 16.7 17.4 17.7 18.0 18.1 18.1 18.2

16.8 16.8 16.8 17.3 17.9 18.1 18.1 18.1 18.3

17.7 17.7 17.7 18.2 18.6 18.6 18.6 18.6 18.7

18.9 18.9 18.9 19.3 19.6 19.7 19.7 19.7 19.7

19.7 19.7 19.7 19.7 19.7 19.9 19.9 19.9 19.9

18.9 18.9 18.9 19.2 20.4 20.4 20.4 20.4 20.4

17.9 17.9 17.9 18.4 18.8 18.9 18.9 18.9 18.9



2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. 3.9

3.8 3.8 3.8 3.8 3.8 3.8 3.8 3.8 3.8

4.0 4.0 4.0 4.0 4.0 4.0 4.0 4.1 4.0

4.2 4.2 4.2 4.2 4.2 4.2 4.2 4.2 4.1

4.3 4.3 4.3 4.3 4.3 4.3 4.3 4.3 4.2

4.3 4.3 4.3 4.3 4.3 4.3 4.3 4.3 b.d.

4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1



1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. 2.5

2.6 2.6 2.6 2.6 2.6 2.6 2.6 2.6 2.6

2.7 2.7 2.7 2.7 2.7 2.8 2.8 2.8 2.7

2.9 2.9 2.9 2.9 2.9 3.0 2.9 2.9 2.8

2.9 2.9 2.9 3.0 3.0 3.1 2.9 2.9 2.9

3.1 3.1 3.1 3.1 3.1 3.2 3.1 3.1 b.d.

2.8 2.8 2.8 2.9 2.9 2.9 2.9 2.9 2.8



7.9 7.9 7.5 7.8 7.6 7.6 7.2 7.2 8.0

17.0 17.0 17.3 17.9 18.0 18.3 18.3 18.2 18.5

17.4 17.4 17.8 18.6 18.7 18.7 18.7 19.0 19.2

18.1 18.1 18.2 19.0 19.1 19.1 19.1 19.2 19.4

19.4 19.4 19.6 20.0 20.0 20.0 20.0 20.0 20.0

19.6 19.6 19.6 19.3 19.3 19.6 19.8 19.7 19.7

20.5 19.7 19.6 19.4 19.4 19.7 19.7 19.8 20.6

17.4 17.5 17.7 18.4 18.4 18.6 18.6 18.6 18.8



2.9 2.9 3.0 2.9 3.0 2.6 3.0 3.0 3.0

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. 4.1

4.3 4.2 4.0 4.1 3.8 4.0 4.1 4.1 4.0

4.5 4.5 4.4 4.4 4.2 4.3 4.3 4.3 4.3

4.5 4.5 4.5 4.5 4.5 4.5 4.5 4.5 4.4

4.7 4.7 4.7 4.6 4.7 4.7 4.7 4.7 4.5

4.2 4.2 4.2 4.2 4.2 4.3 4.2 4.2 b.d.

4.5 4.4 4.4 4.4 4.3 4.3 4.3 4.3 4.1

2.1 2.1 2.1 2.1 2.1 2.0 2.2 2.1 1.8

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. 2.4

2.6 2.5 2.6 2.4 2.5 2.6 2.6 2.6 2.5

2.8 2.5 2.6 2.7 2.7 2.7 2.8 2.6 2.6

2.7 2.7 2.6 2.7 2.8 2.8 2.8 2.9 2.8

2.5 2.5 2.5 2.6 2.5 2.6 2.6 2.6 2.3

3.0 3.0 3.0 3.1 3.0 3.0 3.0 3.0 b.d.

2.7 2.6 2.6 2.6 2.7 2.7 2.7 2.7 2.4

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.



24.7 24.6 25.1 26.3 26.0 26.2 26.2 26.3 25.8

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. 26.3

24.9 24.9 25.3 26.5 26.3 26.5 26.5 26.6 26.4

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. 26.2

24.8 24.8 25.1 26.1 26.1 26.3 26.3 26.3 25.2

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

26.3 26.3 25.3 26.1 26.4 26.4 26.5 26.4 27.8

25.0 25.0 25.2 26.2 26.1 26.3 26.3 26.4 26.0

02/98 03/98 04/98 05/98 06/98 07/98 08/98 09/98 10/98



13.0 13.0 12.9 12.9 12.8 12.7 11.4 11.5 10.7

18.2 18.1 18.0 17.8 17.6 16.9 16.0 15.5 15.2

18.2 18.2 18.2 18.1 17.8 17.6 16.2 16.2 15.9

18.7 18.7 18.6 18.6 18.3 18.2 16.7 16.6 16.4

19.7 19.7 19.7 19.7 19.1 19.1 17.6 17.5 17.4

20.0 20.0 20.0 20.0 19.8 19.6 18.1 18.1 17.4

20.4 20.4 20.4 20.3 19.6 19.6 18.1 18.1 17.7

18.9 18.9 18.9 18.8 18.4 18.2 16.8 16.7 16.5



2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5

3.9 4.0 4.0 4.0 4.1 4.1 4.1 4.1 4.3

3.8 3.8 3.8 3.9 3.9 3.9 3.9 3.9 3.9

4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1

4.2 4.2 4.2 4.2 4.2 4.2 4.2 4.2 4.2

4.2 4.2 4.2 4.3 4.3 4.3 4.3 4.3 4.3

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1 4.1



1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.9 2.0

2.5 2.5 2.6 2.6 2.6 2.6 2.7 2.6 2.9

2.6 2.6 2.6 2.7 2.7 2.7 2.7 2.7 2.8

2.8 2.8 2.8 2.8 2.8 2.8 2.9 2.9 2.9

2.9 2.9 2.9 2.9 2.9 2.9 3.0 3.0 3.0

2.9 2.9 2.9 3.0 3.0 3.0 3.2 3.2 3.2

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

2.8 2.8 2.8 2.9 2.9 2.9 2.9 2.9 3.0



8.0 7.9 8.0 8.1 8.1 8.1 7.3 7.3 7.4

18.2 18.2 17.8 17.7 17.8 16.7 16.3 15.3 14.8

18.9 19.2 18.8 18.6 18.6 17.8 16.7 16.2 15.9

19.3 19.3 19.1 19.0 18.9 18.3 17.1 16.8 16.5

20.0 19.9 19.9 19.7 19.7 19.2 17.7 17.4 17.1

19.7 19.8 19.8 19.8 19.5 19.3 18.0 18.0 16.5

20.2 20.5 20.1 19.7 18.9 18.1 17.9 17.9 16.3

18.6 18.7 18.2 18.1 18.1 17.2 16.5 15.7 15.2



2.9 2.9 3.0 3.0 3.0 3.1 3.1 3.1 3.1

4.0 4.0 4.1 4.2 4.0 4.0 4.1 3.8 4.1

3.9 4.2 4.0 4.1 4.3 4.3 4.2 4.4 4.5

4.4 4.4 4.4 4.4 4.4 4.4 4.4 4.3 4.2

4.5 4.5 4.5 4.6 4.6 4.6 4.6 4.6 4.5

4.5 4.5 4.5 4.5 4.5 4.5 4.3 4.5 4.5

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

4.1 4.1 4.2 4.2 4.1 4.1 4.2 4.0 4.2

1.8 1.9 1.9 1.9 1.9 2.0 2.0 2.1 2.1

2.3 2.4 2.4 2.5 2.5 2.5 2.5 2.4 2.6

2.5 2.6 2.5 2.5 2.6 2.6 2.6 2.6 3.1

2.7 2.8 2.9 3.0 3.0 3.0 2.9 2.9 2.9

2.8 2.9 2.9 3.1 3.1 3.1 2.9 3.2 3.3

2.3 2.3 2.3 2.4 2.3 2.3 3.9 2.3 2.3

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

2.4 2.5 2.5 2.6 2.6 2.5 2.6 2.5 2.7

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.



26.9 26.8 26.2 25.8 25.7 25.3 23.7 23.5 22.6

26.5 26.4 26.0 25.7 25.6 25.2 23.7 23.4 22.5

26.8 26.8 26.4 26.1 25.9 25.5 23.9 23.6 22.9

27.2 27.2 26.5 26.2 26.1 25.7 23.9 23.7 22.9

25.5 25.6 25.1 24.9 24.8 24.4 23.1 22.4 21.7

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

28.0 28.0 28.0 28.0 27.8 27.3 26.7 26.1 26.0

26.6 26.6 26.2 25.9 25.8 25.4 24.0 23.6 22.9

11/98 12/98 01/99 02/99 03/99 04/99 05/99 06/99 07/99



11.0 9.9 7.3 7.3 7.2 7.3 7.3 7.3 7.3

14.3 12.6 11.5 10.0 9.9 10.0 10.1 10.1 10.0

14.5 12.0 11.0 9.9 9.6 9.8 9.9 10.0 10.0

15.1 12.6 11.2 10.3 10.2 10.3 10.3 10.4 10.4

15.7 13.7 11.8 10.9 10.8 10.9 10.9 11.0 10.9

16.3 14.2 13.3 11.4 11.2 11.3 11.3 11.4 11.4

15.9 13.7 12.4 11.3 11.0 11.2 11.2 11.3 11.3

15.1 12.8 11.4 10.3 10.2 10.3 10.3 10.4 10.4



2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5

4.1 4.1 3.8 3.9 3.9 3.9 3.9 3.9 3.9

3.9 3.9 3.7 3.8 3.8 3.8 3.8 3.8 3.8

4.0 4.0 3.8 3.9 3.9 3.9 3.9 3.9 3.9

4.1 4.1 3.9 4.1 4.1 4.1 4.1 4.1 4.1

4.4 4.4 4.1 4.2 4.1 4.1 4.2 4.2 4.2

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

4.1 4.1 3.8 4.0 4.0 4.0 4.0 4.0 4.0



1.9 1.9 1.9 1.9 1.9 1.9 1.9 1.8 1.8

2.8 2.7 2.5 2.5 2.5 2.4 2.2 2.2 2.2

2.8 2.7 2.7 2.7 2.7 2.6 2.4 2.4 2.4

2.8 2.8 2.8 2.8 2.6 2.6 2.4 2.4 2.4

2.9 2.9 2.9 2.9 2.7 2.6 2.5 2.5 2.4

3.2 3.2 3.1 3.1 2.8 2.7 2.5 2.5 2.5

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

2.9 2.9 2.8 2.9 2.7 2.6 2.5 2.4 2.4



7.3 6.9 5.7 5.4 5.3 5.4 5.3 5.3 5.3

14.4 12.8 11.3 9.7 9.5 9.6 9.7 9.5 9.6

14.8 12.6 11.8 10.6 10.2 10.5 10.5 10.2 10.5

15.4 12.7 12.1 10.7 10.3 10.7 10.7 10.4 10.7

15.9 13.9 12.4 11.2 10.9 11.2 11.1 10.9 11.1

16.4 14.0 13.7 11.4 11.1 10.9 11.1 11.1 11.3

16.2 13.9 13.6 12.1 10.3 10.9 10.9 10.9 11.0

14.6 12.8 11.5 10.0 9.7 9.9 9.9 9.7 9.9



3.2 3.2 3.0 2.9 2.9 2.9 2.9 2.9 2.8

4.0 4.0 3.2 3.6 3.3 4.0 3.9 4.0 4.1

4.3 4.1 4.5 3.7 4.6 4.4 4.4 4.4 4.4

4.2 4.3 4.3 4.3 4.4 4.3 4.3 4.2 4.2

4.5 4.3 4.3 4.3 4.4 4.3 4.4 4.5 4.5

4.5 4.5 3.9 4.0 4.0 3.8 3.9 4.2 3.9

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

4.1 4.1 3.7 3.7 3.7 4.2 4.2 4.2 4.2

2.1 2.0 2.0 2.0 1.8 1.8 1.7 1.7 1.7

2.6 2.4 2.1 2.4 2.2 2.2 2.0 2.1 2.1

2.9 2.9 3.0 2.4 3.0 2.5 2.3 2.2 2.2

2.9 2.9 3.1 3.0 3.0 2.7 2.6 2.7 2.2

3.3 2.8 2.7 2.7 2.8 2.7 2.6 2.5 2.5

2.3 2.3 2.9 2.9 2.3 1.6 2.0 1.8 2.0

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

2.7 2.7 2.4 2.4 2.4 2.3 2.2 2.2 2.1

15.0 12.8 11.4 10.3 10.1 10.2 10.2 10.3 10.3



22.0 19.6 18.2 16.6 16.4 16.7 16.4 16.4 16.3

21.9 20.1 18.7 16.8 16.7 16.9 16.6 16.6 16.5

22.3 20.6 19.5 17.0 16.8 17.1 16.9 16.8 16.7

22.5 20.8 19.2 17.4 17.3 17.6 17.0 17.0 17.0

21.4 19.4 19.2 16.9 16.8 17.3 17.0 16.9 16.9

b.d. b.d. b.d. b.d. 16.7 17.0 16.7 16.7 16.6

25.4 24.0 23.0 20.5 20.3 19.1 19.5 19.5 19.1

22.4 20.4 19.5 17.4 17.3 17.3 17.2 17.1 17.1

08/99 09/99 10/99 11/99 12/99 01/00 02/00 03/00 04/00



7.3 7.3 7.3 7.3 7.3 7.3 7.4 7.3 7.3

10.1 10.1 10.4 10.8 12.5 12.7 12.6 12.9 12.8

10.0 10.1 10.5 10.7 12.7 12.8 12.8 13.3 13.4

10.4 10.5 10.7 11.0 13.0 13.1 13.1 13.5 13.7

10.9 11.0 11.2 11.4 13.1 13.3 13.3 13.9 14.2

11.4 11.4 11.6 11.7 13.7 13.8 13.8 14.5 14.6

11.3 11.3 11.5 11.6 13.9 13.9 13.9 14.5 14.7

10.4 10.5 10.7 11.0 12.9 13.0 13.0 13.5 13.7



2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5

4.0 4.1 4.0 4.1 4.3 4.1 4.2 4.2 4.3

3.9 3.9 4.0 4.0 4.1 4.1 4.1 4.1 4.1

4.2 4.2 4.2 4.2 4.3 4.3 4.3 4.3 4.3

4.4 4.4 4.4 4.4 4.4 4.4 4.5 4.5 4.5

4.5 4.5 4.6 4.6 4.6 4.6 4.7 4.7 4.7

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

4.2 4.3 4.3 4.3 4.3 4.3 4.4 4.4 4.4



1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8 1.8

2.2 2.2 2.1 2.2 2.4 2.2 2.3 2.3 2.4

2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.3 2.4

2.4 2.4 2.4 2.4 2.4 2.4 2.4 2.4 2.4

2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5

2.7 2.7 2.8 2.8 2.8 2.8 2.8 2.8 2.8

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

2.5 2.5 2.5 2.4 2.5 2.5 2.5 2.5 2.5



5.3 5.3 5.2 5.4 5.4 5.5 5.5 5.5 5.4

9.9 10.0 10.5 11.2 12.6 12.6 12.9 13.0 13.2

10.5 10.5 11.0 11.5 13.1 13.0 13.1 13.6 13.6

10.7 10.9 11.3 11.9 13.4 13.3 13.4 13.8 13.8

11.1 11.2 11.4 12.0 13.7 13.6 13.6 14.1 14.2

11.6 11.6 12.3 14.2 15.1 14.3 13.9 13.9 14.3

11.0 10.9 11.3 11.4 13.1 13.1 13.1 14.6 14.6

10.1 10.2 10.7 11.3 12.8 12.7 12.9 13.2 13.4



2.8 3.1 3.1 3.2 3.4 3.2 3.3 3.3 3.3

4.2 4.3 4.2 3.7 4.2 4.4 4.5 4.1 4.2

4.4 4.0 4.6 4.6 5.2 4.8 4.4 4.2 4.1

5.0 4.8 4.6 4.8 6.3 4.6 4.5 4.5 4.6

4.7 5.0 5.0 4.9 5.1 5.4 4.5 4.5 4.5

4.2 4.0 4.1 4.6 4.5 4.5 4.5 4.7 4.7

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

4.3 4.3 4.3 3.9 4.6 4.5 4.5 4.2 4.2

1.6 1.8 1.7 1.8 2.0 1.9 1.9 1.9 1.9

2.1 2.2 2.0 2.0 2.3 2.3 2.4 2.3 2.4

2.3 2.2 2.5 2.5 2.7 2.2 2.4 2.3 2.3

2.5 2.4 3.4 3.1 3.4 2.5 2.5 2.5 2.5

2.5 2.6 2.9 2.8 2.9 2.9 2.4 2.4 2.4

2.2 2.1 3.6 3.4 6.4 2.3 2.4 2.5 2.5

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

2.2 2.2 2.3 2.1 2.5 2.3 2.4 2.3 2.4

10.3 10.4 10.7 11.1 12.9 13.0 13.0 13.4 13.6



15.8 16.1 16.5 17.9 20.0 19.3 19.4 19.6 19.6

15.9 16.3 16.7 18.2 20.3 19.5 19.5 19.9 19.9

16.1 16.3 16.7 17.8 19.5 19.2 19.1 19.4 19.5

16.5 16.7 17.1 18.3 20.4 19.9 19.7 20.0 20.0

16.0 16.3 16.7 18.0 20.1 19.4 19.3 19.7 19.7

16.0 16.2 16.6 18.0 20.1 19.4 19.4 19.7 19.7

19.2 19.4 19.5 19.6 21.3 21.0 20.9 21.6 21.9

16.5 16.8 17.2 18.3 20.3 19.7 19.7 20.0 20.1

05/00 06/00 07/00 08/00 09/00 10/00 11/00 12/00 01/01



7.3 7.4 7.3 7.3 7.4 7.7 7.7 7.7 7.7

13.1 13.1 13.2 13.2 13.5 13.8 14.0 14.0 14.0

13.5 13.5 13.6 13.6 13.8 13.9 14.1 14.1 14.1

13.6 13.6 13.8 13.6 13.7 14.2 14.4 14.4 14.4

14.0 14.0 14.3 14.0 14.1 14.9 15.0 15.0 15.0

14.6 14.6 14.7 14.7 14.9 15.4 15.7 15.6 15.6

14.7 14.7 14.7 14.7 14.9 15.6 15.7 15.7 15.7

13.6 13.6 13.8 13.7 13.9 14.2 14.4 14.4 14.4



2.5 2.5 2.9 2.9 2.9 2.9 2.9 3.0 3.0

4.4 4.4 4.7 4.5 4.4 4.4 4.4 4.4 3.9

4.2 4.2 4.3 4.3 4.5 4.5 4.5 4.5 4.1

4.4 4.4 4.5 4.5 4.7 4.7 4.7 4.7 4.1

4.7 4.7 4.8 4.7 4.8 4.8 4.8 4.8 4.3

4.9 4.9 5.0 4.9 5.0 5.0 5.0 5.0 4.5

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

4.5 4.6 4.6 4.6 4.7 4.7 4.7 4.7 4.2



1.8 1.8 2.0 2.0 2.0 2.0 2.1 2.1 2.1

2.6 2.6 2.7 2.7 2.7 2.7 2.8 2.8 2.6

2.5 2.5 2.6 2.6 2.7 2.7 2.7 2.8 2.7

2.6 2.6 2.7 2.7 2.8 2.8 2.8 2.9 2.8

2.7 2.8 2.8 2.8 3.0 3.0 3.0 3.0 3.0

3.0 3.0 3.1 3.1 3.2 3.2 3.2 3.2 3.2

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

2.7 2.7 2.7 2.7 2.9 2.9 2.9 2.9 2.9



5.5 5.4 5.6 5.6 5.5 5.6 5.6 5.5 5.6

13.3 13.2 13.3 13.3 13.7 13.9 14.2 14.1 13.9

13.7 13.6 13.6 13.6 14.2 14.4 14.4 14.4 14.3

14.0 13.8 13.9 13.9 14.2 14.3 14.5 14.5 14.6

14.4 14.4 14.4 14.4 14.8 15.0 15.0 15.1 14.9

14.5 14.7 14.9 14.4 14.5 15.6 15.8 15.4 14.6

14.6 15.1 15.0 15.0 15.0 15.1 15.1 15.1 15.1

13.4 13.3 13.4 13.4 13.9 14.1 14.3 14.2 14.1



3.4 3.4 3.9 3.6 3.5 3.6 3.6 3.5 3.4

4.5 4.6 5.0 4.6 4.8 4.7 4.7 4.7 4.1

4.3 4.3 4.6 4.7 5.0 4.9 4.7 4.7 4.2

4.7 4.6 4.7 4.6 4.9 4.9 5.1 5.0 4.2

5.0 5.0 5.0 4.9 4.9 4.9 5.4 5.1 4.4

4.8 5.0 5.0 5.0 5.1 5.1 5.2 5.2 4.6

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

4.5 4.5 4.9 4.7 4.8 4.8 4.7 4.7 4.1

2.0 2.0 2.1 2.2 2.2 2.1 2.3 2.2 2.3

2.6 2.7 2.7 2.8 3.0 2.8 3.0 3.0 2.8

2.6 2.6 2.7 2.8 3.1 2.9 2.9 2.9 2.8

2.8 2.7 2.7 2.7 2.9 2.9 3.2 3.2 3.2

2.9 3.0 3.0 3.0 3.0 2.9 3.7 3.5 3.2

2.8 3.0 3.0 3.0 3.2 3.2 3.3 3.4 3.4

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

2.6 2.7 2.7 2.8 3.0 2.9 3.0 3.0 2.8

13.6 13.5 13.7 13.6 13.9 14.2 14.4 14.3 14.3



19.5 19.7 19.6 20.0 20.7 20.9 20.8 20.9 20.7

19.9 20.0 19.9 20.3 21.0 21.2 21.1 21.1 20.9

19.7 19.9 19.8 20.1 20.8 21.1 21.0 21.1 20.9

20.0 20.2 20.1 20.5 21.2 21.4 21.4 21.4 21.2

19.8 20.1 20.0 20.3 21.0 21.3 21.3 21.4 21.3

19.7 19.9 19.9 20.2 20.9 21.1 21.1 21.2 21.0

21.9 21.7 22.0 21.8 22.0 22.8 22.9 22.9 22.9

20.2 20.4 20.3 20.5 21.1 21.4 21.5 21.5 21.4

02/01 03/01 04/01 05/01 06/01 07/01 08/01 09/01 10/01



7.6 7.4 6.3 6.6 6.2 5.3 4.2 4.2 4.0

14.0 13.3 12.5 12.4 12.0 11.2 10.5 10.3 9.4

14.1 13.1 12.1 12.0 11.8 10.9 10.5 10.1 9.5

14.4 13.4 12.5 12.4 12.2 11.1 10.4 10.1 9.6

15.0 13.7 12.8 12.8 12.6 11.4 10.6 10.4 10.0

15.6 14.8 13.7 13.6 12.7 12.0 11.3 11.1 9.9

15.7 14.5 13.7 13.8 13.6 13.0 12.5 12.4 11.8

14.4 13.4 12.4 12.4 12.1 11.2 10.6 10.3 9.7



2.5 2.4 2.0 1.9 1.6 1.4 1.4 1.0 0.5

3.7 3.3 3.2 2.6 2.3 2.4 2.3 1.7 1.1

3.9 3.5 3.2 3.0 2.8 2.6 2.5 1.7 1.2

3.9 3.5 3.2 3.0 2.8 2.7 2.5 1.8 1.3

4.0 3.6 3.3 3.2 2.7 2.8 2.6 2.2 1.4

4.3 3.8 3.6 3.4 3.2 3.0 2.7 2.6 1.8

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

4.0 3.5 3.3 3.0 2.7 2.7 2.5 1.9 1.3



2.1 2.1 2.0 2.0 1.9 1.9 1.9 1.1 1.0

2.7 2.6 2.6 2.6 2.5 2.6 2.6 2.2 1.8

2.8 2.8 2.6 2.6 2.6 2.6 2.6 2.2 2.1

2.9 2.8 2.7 2.7 2.6 2.7 2.6 2.2 2.0

3.1 3.0 2.8 2.8 2.8 2.8 2.8 2.3 2.2

3.2 3.0 3.0 3.0 3.0 3.0 3.0 2.6 2.5

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

3.0 2.9 2.7 2.7 2.7 2.7 2.7 2.3 2.1



5.5 4.8 4.8 5.2 4.3 3.0 2.7 2.4 2.2

13.8 12.8 12.8 12.8 11.8 11.7 11.1 10.9 10.2

14.3 13.6 13.0 13.0 12.7 11.8 11.4 11.1 10.2

14.6 13.9 13.0 12.9 12.6 11.7 11.2 10.7 10.0

14.8 14.2 13.4 13.3 13.1 12.1 11.4 10.8 9.9

14.3 15.0 13.8 13.8 13.5 11.7 11.8 11.1 10.7

15.0 15.0 13.9 13.9 13.9 13.4 13.3 12.8 11.9

13.9 13.0 12.9 12.9 12.0 11.7 11.2 10.9 10.2



3.1 2.6 2.4 2.1 1.6 1.5 1.4 1.2 0.6

3.8 3.3 3.3 2.6 2.2 2.4 2.1 1.5 1.1

4.0 4.0 3.9 3.2 3.1 2.6 2.6 1.5 1.2

4.1 3.3 3.3 2.9 2.5 2.5 2.3 1.6 1.2

4.1 3.5 3.5 3.1 2.8 2.8 2.6 1.9 1.3

4.9 3.4 3.2 2.9 3.2 2.2 2.0 1.4 0.7

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

3.9 3.5 3.5 2.8 2.3 2.4 2.2 1.5 1.1

2.1 1.8 1.8 1.8 1.5 1.5 1.5 1.2 1.1

2.8 2.6 2.6 2.6 2.4 2.5 2.5 2.1 1.8

2.9 3.0 2.9 2.7 2.7 2.7 2.6 2.1 2.1

3.1 2.8 2.8 2.7 2.5 2.7 2.7 2.3 2.1

3.2 3.0 3.2 3.1 3.0 3.1 2.8 2.2 2.1

3.5 2.9 2.8 2.9 3.0 2.8 2.9 2.2 2.0

b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d. b.d.

2.9 2.7 2.7 2.6 2.5 2.6 2.5 2.1 1.9

14.3 13.3 12.5 12.5 12.1 11.3 10.7 10.4 9.8



20.6 19.6 19.3 19.1 18.7 18.2 17.9 17.6 16.9

20.8 19.7 19.5 19.4 19.2 19.0 18.6 18.3 17.4

20.8 19.5 19.2 19.2 18.9 18.8 18.4 18.0 16.8

21.1 19.6 19.4 19.4 19.0 18.8 18.4 18.1 17.1

21.1 19.7 19.8 19.5 19.2 19.2 18.8 18.5 17.8

20.9 19.6 19.5 19.3 19.0 18.7 18.3 18.0 17.2

22.9 22.2 22.0 22.1 22.2 22.0 22.2 22.3 22.4

21.3 20.1 20.0 19.9 19.6 19.4 19.1 18.9 18.3

11/01 12/01 01/02 02/02



3.3 2.4 2.4 2.4

8.9 7.7 7.5 6.3

8.7 7.4 7.1 6.2

8.8 7.5 7.5 6.5

9.3 8.0 7.9 6.8

10.4 9.0 9.0 7.7

10.5 9.1 9.1 7.9

9.2 7.9 7.7 6.7



0.4 0.4 0.3 0.3

0.9 0.8 0.8 0.8

0.9 0.8 0.8 0.8

0.9 0.9 0.8 0.8

1.0 1.0 0.9 0.9

1.3 1.2 0.9 0.9

b.d. b.d. b.d. b.d.

0.9 0.9 0.9 0.9



0.7 1.1 0.8 0.8

1.9 1.9 1.9 2.0

1.8 2.0 1.8 1.9

1.8 2.0 1.7 1.8

1.9 2.1 1.7 1.7

2.1 2.2 2.0 2.0

b.d. b.d. b.d. b.d.

1.9 2.0 1.8 1.8



1.8 1.6 1.4 1.2

9.7 8.4 8.3 7.2

9.5 8.4 8.4 7.4

9.6 8.4 8.5 7.4

9.0 7.6 8.5 7.8

9.8 8.7 9.0 8.5

10.8 9.5 9.6 8.6

9.6 8.3 8.3 7.3



0.4 0.4 0.3 0.3

0.9 0.8 0.8 0.8

0.9 0.9 0.8 0.9

0.9 0.9 0.8 0.8

1.2 1.3 1.0 1.0

0.7 0.6 0.6 0.9

b.d. b.d. b.d. b.d.

0.9 0.8 0.8 0.8

1.0 1.0 0.9 0.9

1.9 2.0 1.9 2.0

1.9 2.0 1.9 2.1

1.9 1.8 1.8 1.8

1.9 1.8 1.8 1.9

1.9 1.9 1.9 1.8

b.d. b.d. b.d. b.d.

1.9 2.0 1.9 2.0

9.3 8.0 7.8 6.8



16.3 15.4 14.7 14.2

16.6 15.8 15.3 14.8

16.3 15.6 15.0 14.5

16.6 15.6 15.0 14.3

17.2 16.3 15.7 15.1

16.7 15.7 15.1 14.6

21.9 20.8 20.8 19.2

17.7 16.8 16.2 15.5

Średnie ważone oprocentowanie depozytów i kredytów

w polskim systemie bankowym





Okres Mar 02 Apr 02 May 02 Jun 02



Depozyty złotowe gospodarstw domowych

rachunki bieżące (rolnicy i przedsiębiorcy indywidualni) 1.2 1.2 1.1 0.8

rachunki oszczędnościowo-rozliczeniowe (osoby prywatne) 2.5 2.4 2.2 1.9

terminowe deklarowane na okres 1 miesiąca 6.8 6.7 6.3 5.7

terminowe deklarowane na okres 3 miesięcy 6.7 6.6 6.3 5.5

terminowe deklarowane na okres 6 miesięcy 7.1 7.0 6.7 5.8

terminowe deklarowane na okres 1 roku 7.5 7.4 7.0 6.4

terminowe deklarowane na okres 2 lat 7.8 7.7 7.4 7.0

terminowe deklarowane na okres powyżej 2 lat 7.9 7.7 7.4 7.1



Depozyty terminowe złotowe gospodarstw domowych 7.1 7.0 6.6 6.0





Depozyty złotowe przedsiębiorstw

rachunki bieżące 1.3 1.2 1.1 0.9

terminowe deklarowane na okres 1 miesiąca 7.2 7.1 6.6 6.2

terminowe deklarowane na okres 3 miesięcy 7.1 7.0 6.7 6.1

terminowe deklarowane na okres 6 miesięcy 7.5 7.3 6.9 6.2

terminowe deklarowane na okres 1 roku 7.6 7.4 7.3 6.5

terminowe deklarowane na okres 2 lat 8.4 8.5 8.3 7.0

terminowe deklarowane na okres powyżej 2 lat 9.2 8.2 8.1 8.0



Depozyty terminowe złotowe przedsiębiorstw 7.2 7.1 6.7 6.2



Depozyty terminowe złotowe ogółem 7.1 7.0 6.7 6.0





Kredyty złotowe dla przedsiębiorstw:

udzielone w rachunku bieżącym 13.0 12.8 12.6 12.2

udzielone na okres 1 roku 13.1 12.8 12.6 12.2

udzielone na okres 2 lat 13.9 13.7 13.1 12.9

udzielone na okres 3 lat 13.8 13.8 13.5 12.9

udzielone na okres 5 lat 13.8 13.5 13.4 12.8

udzielone na okres powyżej 5 lat 14.4 14.2 14.1 13.8



Kredyty dla przedsiębiorstw ogółem 13.4 13.2 13.0 12.5





Kredyty złotowe dla gospodarstw dom.:

udzielone w rachunku bieżącym 18.0 18.0 18.0 17.7



Kredyty konsumenckie

udzielone na okres 1 roku 19.0 19.0 18.9 18.8

udzielone na okres 2 lat 19.1 19.0 18.6 18.8

udzielone na okres 3 lat 20.6 20.6 20.0 19.9

udzielone na okres 5 lat 16.1 16.7 16.4 15.8

udzielone na okres powyżej 5 lat 16.8 16.8 16.8 16.2

Kredyty konsumenckie ogółem 18.5 18.5 18.3 18.1



Kredyty złotowe (przedsiębiorstw i konsumenckie) ogółem 14.4 14.2 14.0 13.5





Kredyty mieszkaniowe

udzielone na okres 1 roku 10.3 10.3 9.9 9.8

udzielone na okres 2 lat 10.5 10.4 10.0 9.9

udzielone na okres 3 lat 10.3 10.3 9.9 9.8

udzielone na okres 5 lat 10.4 10.4 10.0 9.9

udzielone na okres powyżej 5 lat 12.4 11.2 10.9 10.9



Kredyty mieszkaniowe ogółem 11.1 10.6 10.3 10.2



Kredyty dla przedsiębiorców indywidualnych

udzielone na okres 1 roku 14.5 14.2 14.2 13.7

udzielone na okres 2 lat 15.2 14.7 14.8 14.2

udzielone na okres 3 lat 15.1 14.8 14.6 13.8

udzielone na okres 5 lat 13.9 13.8 13.7 13.5

udzielone na okres powyżej 5 lat 13.8 14.0 13.6 13.4



Kredyty dla przedsiębiorców indywidualnych ogółem 14.4 14.3 14.2 13.7



Kredyty na cele rolnicze

udzielone na okres 1 roku 13.0 12.3 11.8 11.2

udzielone na okres 2 lat 13.6 12.1 11.6 11.2

udzielone na okres 3 lat 13.5 12.1 11.6 11.0

udzielone na okres 5 lat 13.4 12.0 11.6 11.0

udzielone na okres powyżej 5 lat 13.4 12.1 11.6 11.1



Kredyty na cele rolnicze ogółem 13.4 12.1 11.7 11.1



Kredyty pozostałe

udzielone na okres 1 roku 22.0 22.1 22.2 21.3

udzielone na okres 2 lat 20.4 20.6 20.3 19.6

udzielone na okres 3 lat 19.8 19.9 19.6 18.7

udzielone na okres 5 lat 19.4 20.1 19.3 18.8

udzielone na okres powyżej 5 lat 20.1 20.3 20.3 20.6



Kredyty pozostałe ogółem 21.3 21.4 21.4 20.6



Kredyty dla gospodarstw domowych ogółem 17.0 16.9 16.8 16.3



Kredyty złotowe ogółem 15.0 14.9 14.7 14.2



Kredyty walutowe:

udzielone w rachunku bieżącym USD 5.2 3.9 2.5 2.5

EUR 4.2 5.0 4.1 4.0

udzielone na okres 1 roku USD 3.6 3.6 3.6 3.4

EUR 5.2 5.1 5.1 4.7

udzielone na okres 2 lat USD 4.5 4.3 4.3 4.0

EUR 5.9 5.6 5.7 5.7

udzielone na okres 3 lat USD 4.9 4.6 4.5 4.6

EUR 5.6 5.7 5.7 5.9

udzielone na okres 5 lat USD 4.3 4.1 4.1 4.2

EUR 5.7 5.5 5.5 5.4

udzielone na okres powyżej 5 lat USD 4.6 4.4 4.4 4.5

EUR 5.7 5.7 6.0 5.9



Kredyty walutowe ogółem USD 4.3 4.2 4.2 4.2

EUR 5.6 5.5 5.7 5.5





Depozyty walutowe:

rachunki bieżące USD 0.3 0.3 0.3 0.3

EUR 0.8 0.8 0.8 0.8

deklarowane USD 0.9 0.8 0.8 0.8

na okres 1 miesiąca EUR 2.0 2.0 1.9 2.0

deklarowane USD 0.8 0.8 0.8 0.8

na okres 3 miesięcy EUR 1.9 1.9 1.9 1.9

deklarowane USD 0.8 0.8 0.8 0.8

na okres 6 miesięcy EUR 1.7 1.7 1.8 1.7

deklarowane USD 1.0 1.0 1.0 1.0

na okres 1 rok EUR 1.8 1.8 1.9 1.8

deklarowane USD 0.9 0.9 0.9 1.4

na okres 2 lat EUR 1.9 1.9 2.0 2.0

deklarowane USD 1.0 1.0 1.0 1.3

na okres powyżej 2 lat EUR 1.7 1.8 1.9 1.9



Depozyty terminowe walutowe USD 0.9 0.9 0.9 0.9

EUR 1.8 1.8 1.9 1.8

Jul 02 Aug 02 Sep 02 Oct 02 Nov 02 Dec 02 Jan 03 Feb 03 Mar 03





0.7 0.7 0.5 0.4 0.4 0.4 0.3 0.3 0.2

1.8 1.8 1.6 1.2 1.2 1.2 1.0 0.8 0.6

5.3 5.3 4.9 4.4 4.1 4.0 4.0 3.9 3.6

5.2 5.2 4.7 4.3 4.0 3.9 3.8 3.7 3.5

5.4 5.4 4.9 4.5 4.2 4.1 4.0 3.9 3.7

5.9 5.9 5.4 5.0 4.7 4.6 4.5 4.4 4.2

6.5 6.5 6.0 5.5 5.1 5.1 4.9 4.8 4.6

6.6 6.6 6.1 5.6 5.3 5.2 5.0 4.8 4.6



5.6 5.6 5.1 4.6 4.3 4.2 4.1 4.0 3.8









0.7 0.7 0.6 0.5 0.4 0.4 0.4 0.4 0.3

5.7 5.5 5.0 4.6 4.3 4.3 4.1 3.9 3.8

5.7 5.8 5.2 4.7 4.3 4.2 4.1 4.0 3.8

5.9 5.8 5.3 4.8 4.4 4.2 4.1 4.0 3.7

6.0 6.0 5.5 5.1 4.8 4.4 4.4 4.3 4.1

6.6 6.6 6.1 5.4 5.3 5.0 5.0 5.0 4.6

7.7 7.6 7.4 6.8 6.3 6.1 6.1 5.7 5.3



5.8 5.6 5.1 4.6 4.3 4.3 4.1 4.0 3.8



5.6 5.6 5.1 4.6 4.3 4.2 4.1 4.0 3.8









11.8 11.4 11.1 10.3 10.6 8.9 8.5 8.2 8.0

11.8 11.5 11.1 10.3 10.1 8.7 8.4 8.1 7.9

12.4 12.3 11.9 10.8 10.8 8.9 8.5 8.3 8.1

12.5 12.3 11.9 11.4 11.0 9.1 8.7 8.4 8.3

12.5 12.2 11.8 11.0 11.0 9.0 8.8 8.5 8.3

13.4 13.1 12.9 12.2 12.0 8.9 8.7 8.4 8.2



12.1 11.9 11.5 10.7 10.7 8.8 8.5 8.2 8.0









17.5 17.5 17.5 17.9 17.7 17.0 16.9 16.9 16.6





18.6 18.4 18.4 18.1 18.1 18.1 17.9 17.2 17.1

18.6 18.5 18.6 18.3 18.4 18.4 17.9 17.1 17.1

19.6 19.4 19.2 18.9 18.9 18.9 18.3 17.3 17.3

15.6 15.6 15.6 15.6 15.5 16.5 16.0 15.8 15.8

16.4 16.4 16.3 15.9 15.9 17.3 17.1 17.0 16.9

17.9 17.8 17.8 17.5 17.5 17.7 17.5 17.0 16.9



13.2 12.9 12.6 12.0 11.9 10.7 10.4 10.0 9.9







9.6 9.5 9.3 9.0 8.9 9.1 8.9 8.6 8.4

9.7 9.6 9.5 9.2 9.0 9.1 9.0 8.8 8.5

9.6 9.5 9.5 9.2 9.0 9.2 9.1 8.9 8.6

9.7 9.7 9.6 9.3 9.1 10.2 10.2 9.9 9.6

10.4 10.3 10.3 9.6 9.5 10.1 9.3 9.2 9.1



9.9 9.8 9.7 9.3 9.2 9.6 9.3 9.1 8.9







13.4 13.1 12.8 12.5 12.3 9.5 9.3 9.1 8.9

13.9 13.7 13.4 13.0 13.1 10.4 10.1 9.8 9.7

13.5 13.4 13.4 13.2 13.0 10.8 10.6 10.4 10.2

13.1 13.0 12.8 12.6 12.4 9.1 8.7 8.4 8.2

13.3 13.0 12.6 12.3 12.3 9.7 9.4 9.2 9.0



13.4 13.1 12.9 12.6 12.5 9.7 9.4 9.2 9.0





10.9 10.1 9.6 8.8 8.5 8.5 8.2 7.6 7.4

11.1 10.3 9.8 8.9 8.7 8.6 8.3 7.8 7.5

10.8 10.3 9.8 9.0 8.7 8.6 8.3 7.8 7.5

10.8 10.3 9.8 9.0 8.8 8.5 8.3 7.8 7.5

10.9 10.3 9.8 8.9 8.7 8.5 8.3 7.8 7.5



10.9 10.3 9.8 8.9 8.7 8.5 8.3 7.7 7.5





21.2 21.2 20.9 20.6 20.6 17.4 16.8 16.6 16.3

19.4 19.8 19.5 19.3 19.5 16.7 15.9 15.3 14.8

18.5 18.6 18.3 18.5 18.5 15.4 14.1 13.8 14.0

18.6 18.7 19.2 19.1 19.0 14.4 13.0 12.6 12.3

20.2 19.9 19.6 19.5 19.2 13.4 12.8 12.4 12.0



20.5 20.5 20.3 20.1 20.1 15.9 15.1 14.8 14.5



16.1 16.0 15.9 15.6 15.5 14.6 14.2 13.8 13.6



13.9 13.7 13.4 12.9 12.8 11.6 11.2 10.9 10.7







2.4 2.3 2.2 2.2 1.9 2.4 1.9 1.9 1.8

3.9 4.1 4.1 3.8 3.6 3.4 3.3 3.9 3.9

3.4 3.5 3.7 3.5 3.6 3.6 3.6 3.6 3.4

4.9 5.2 5.4 5.1 5.4 4.8 5.0 5.0 4.7

4.5 4.4 4.0 3.7 4.3 4.1 4.1 4.0 4.0

5.7 5.8 5.6 5.2 5.9 5.6 5.7 5.3 5.1

4.5 4.5 4.6 4.8 4.4 4.4 4.3 4.2 4.1

5.9 6.1 6.0 6.3 6.0 5.8 5.7 5.4 5.3

4.1 4.1 3.9 4.3 4.3 4.2 4.1 4.0 4.2

5.6 5.6 5.4 5.8 5.9 5.7 5.5 5.3 5.4

4.4 4.3 4.4 5.0 4.5 4.5 4.1 4.0 3.9

6.0 5.9 5.9 6.5 6.1 6.0 5.6 5.3 5.2



4.1 4.1 4.1 4.4 4.3 4.2 4.0 3.9 3.8

5.7 5.7 5.7 5.9 5.9 5.6 5.4 5.2 5.1







0.3 0.3 0.3 0.3 0.2 0.2 0.2 0.1 0.1

0.8 0.8 0.8 0.8 0.8 0.7 0.7 0.6 0.5

0.8 0.9 0.9 0.9 0.8 0.7 0.6 0.6 0.6

2.0 1.9 1.9 2.0 2.0 1.9 1.7 1.7 1.7

0.9 0.8 0.8 0.9 0.8 0.8 0.7 0.6 0.5

1.9 1.9 1.9 1.9 1.9 1.7 1.6 1.6 1.5

0.9 0.8 0.8 0.9 0.8 0.8 0.8 0.7 0.5

1.8 1.7 1.7 1.8 1.8 1.6 1.5 1.5 1.4

1.0 1.0 1.0 1.0 0.9 0.9 0.8 0.8 0.6

1.9 1.8 1.8 1.8 1.8 1.8 1.6 1.6 1.5

1.2 1.2 1.2 1.2 1.0 0.9 0.9 0.9 0.8

2.0 2.0 2.0 2.0 1.9 1.7 1.7 1.7 1.5

1.3 1.2 1.2 1.2 1.0 0.9 0.9 0.9 0.8

1.9 1.9 1.9 2.0 2.0 1.8 1.7 1.7 1.6



1.0 0.9 0.9 0.9 0.9 0.8 0.8 0.7 0.6

1.9 1.9 1.9 1.9 1.9 1.7 1.6 1.6 1.5

Apr 03 May 03 Jun 03 Jul 03 Aug 03 Sep 03 Oct 03 Nov 03 Dec 03





0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1

0.6 0.5 0.4 0.4 0.3 0.3 0.3 0.3 0.3

3.4 3.1 2.9 2.7 2.7 2.7 2.7 2.7 2.7

3.3 3.1 2.8 2.6 2.6 2.6 2.5 2.5 2.5

3.4 3.2 3.1 2.8 2.7 2.7 2.7 2.7 2.7

4.0 3.7 3.5 3.3 3.3 3.3 3.4 3.4 3.4

4.3 4.2 4.0 3.7 3.7 3.7 3.7 3.9 3.9

4.3 4.1 3.8 3.6 3.5 3.5 3.5 3.5 3.6



3.6 3.3 3.2 2.9 2.9 2.9 2.9 2.9 2.9









0.2 0.2 0.2 0.1 0.1 0.1 0.1 0.1 0.1

3.5 3.3 3.1 2.9 2.9 2.8 2.9 3.0 3.0

3.5 3.3 3.0 2.9 2.9 2.9 2.9 2.9 2.8

3.4 3.3 3.0 2.8 2.8 2.8 2.8 2.8 2.9

3.7 3.6 3.4 3.2 3.2 3.2 3.2 3.3 3.2

4.2 4.1 3.9 3.9 3.9 3.7 3.9 3.9 3.9

4.7 4.4 4.4 3.1 3.0 3.1 2.9 2.9 2.8



3.5 3.3 3.1 2.9 2.9 2.8 2.9 3.0 3.0



3.6 3.3 3.2 2.9 2.9 2.9 2.9 2.9 2.9









7.7 7.4 7.1 7.0 7.0 6.8 7.1 7.2 7.0

7.6 7.2 7.0 6.8 6.8 6.8 7.0 7.1 7.0

8.2 7.8 7.6 7.3 7.2 7.2 7.7 7.6 7.5

8.1 7.7 7.4 7.6 7.5 7.5 7.7 7.8 7.7

8.3 7.8 7.5 7.6 7.4 7.3 7.6 7.6 7.5

8.0 7.8 7.5 7.3 7.3 7.2 7.5 7.4 7.3



7.8 7.4 7.2 7.1 7.0 7.0 7.2 7.3 7.2









16.4 16.1 16.1 15.9 15.8 15.8 15.8 15.6 15.5





16.9 16.8 16.3 16.0 15.8 15.7 15.8 15.7 15.8

16.9 16.7 16.8 16.5 16.5 16.4 16.4 16.3 16.3

17.0 16.9 16.9 16.7 16.7 16.6 16.8 16.8 16.7

15.6 15.5 15.1 15.0 15.0 15.0 14.4 14.9 14.9

16.8 16.7 15.9 15.9 15.9 15.9 15.3 15.9 15.8

16.7 16.6 16.1 15.9 15.8 15.8 15.6 15.8 15.8



9.6 9.3 9.0 8.9 8.9 8.9 9.0 9.1 9.2







8.2 8.0 7.8 7.4 7.3 7.3 7.4 7.5 7.4

8.4 8.1 8.0 7.9 7.8 7.8 7.9 7.9 7.9

8.6 8.3 8.3 8.0 8.0 7.9 8.1 8.2 8.1

9.4 9.2 8.6 8.5 8.4 8.4 8.5 8.5 8.4

8.3 8.2 7.8 7.2 7.2 7.2 7.1 7.1 7.1



8.6 8.3 8.0 7.6 7.6 7.6 7.6 7.7 7.6







8.7 8.3 8.1 8.1 7.5 7.4 7.7 7.7 7.6

9.5 9.0 9.0 8.9 8.2 8.2 8.5 8.5 8.4

10.0 9.7 9.1 9.0 7.8 7.7 7.9 7.9 7.7

8.0 7.7 7.4 7.3 7.2 7.1 7.3 7.3 7.3

8.7 8.2 8.0 7.8 7.8 7.7 7.9 7.9 7.8



8.8 8.4 8.2 8.1 7.6 7.5 7.8 7.8 7.7





7.1 6.8 6.5 6.5 6.5 6.5 6.5 6.5 6.5

7.2 7.0 6.6 6.6 6.6 6.6 6.6 6.6 6.6

7.2 7.0 6.6 6.6 6.6 6.5 6.5 6.5 6.5

7.2 7.0 6.7 6.6 6.6 6.6 6.6 6.6 6.6

7.2 7.0 6.7 6.6 6.6 6.6 6.6 6.6 6.6



7.2 7.0 6.6 6.6 6.6 6.6 6.6 6.6 6.6





15.1 14.6 14.6 14.3 13.5 13.5 13.6 13.7 13.5

14.4 14.1 14.1 13.8 13.5 13.3 13.0 13.1 13.0

13.6 13.3 13.5 13.4 13.1 13.3 13.1 13.0 12.9

12.2 12.2 12.6 12.4 12.1 12.1 11.6 11.9 11.6

12.0 11.4 12.8 12.8 12.9 12.9 10.8 10.9 10.8



13.8 13.4 14.0 13.7 13.2 13.2 12.7 12.8 12.6



13.2 12.9 13.1 12.8 12.5 12.5 12.2 12.2 12.1



10.3 10.0 9.9 9.7 9.6 9.6 9.6 9.6 9.6







1.9 1.9 1.8 1.8 1.7 1.7 1.8 2.6 1.9

2.5 2.8 2.7 2.8 2.6 2.7 2.9 3.2 3.3

3.4 3.4 3.3 3.3 3.3 3.2 3.2 3.3 3.2

4.6 4.3 4.0 4.4 4.2 4.1 4.0 4.3 3.9

4.0 4.0 3.7 3.8 3.8 3.8 3.9 4.1 3.8

5.1 5.0 4.7 4.8 4.7 4.9 5.0 4.8 4.9

4.1 4.0 3.9 3.8 3.8 3.9 3.9 3.9 3.8

5.3 5.1 4.8 4.7 4.7 4.8 4.8 4.8 4.7

4.2 4.2 4.0 4.1 4.1 4.1 4.1 4.1 4.1

5.4 5.2 5.2 5.2 5.2 5.2 5.2 5.3 5.2

4.0 4.0 3.8 3.8 3.8 3.8 3.8 3.9 3.9

5.3 5.1 4.8 4.8 4.9 4.8 4.9 4.9 4.7



3.9 3.9 3.7 3.8 3.8 3.8 3.8 3.8 3.8

5.2 4.9 4.7 4.8 4.8 4.7 4.8 4.9 4.7







0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1

0.4 0.3 0.3 0.2 0.2 0.2 0.2 0.2 0.2

0.5 0.5 0.5 0.4 0.4 0.4 0.4 0.4 0.4

1.6 1.5 1.5 1.4 1.3 1.3 1.3 1.3 1.2

0.6 0.6 0.5 0.4 0.3 0.3 0.4 0.4 0.4

1.4 1.4 1.3 1.2 1.2 1.2 1.2 1.2 1.2

0.6 0.6 0.5 0.4 0.3 0.3 0.3 0.3 0.3

1.4 1.3 1.2 1.1 1.0 1.0 1.0 1.0 1.0

0.7 0.7 0.6 0.5 0.4 0.4 0.4 0.4 0.4

1.4 1.4 1.2 1.1 1.1 1.1 1.1 1.1 1.1

0.8 0.8 0.8 0.6 0.5 0.5 0.5 0.5 0.5

1.5 1.5 1.2 1.1 1.0 1.0 1.0 0.9 0.9

0.8 0.8 0.8 0.6 0.6 0.6 0.6 0.5 0.6

1.5 1.5 1.2 1.2 1.2 1.2 1.2 1.2 1.1



0.7 0.6 0.6 0.5 0.4 0.4 0.4 0.4 0.4

1.4 1.4 1.3 1.2 1.1 1.1 1.1 1.1 1.1

Jan 04 Feb 04 Mar 04 Apr 04 May 04 Jun 04 Jul 04 Aug 04 Sep 04





0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1

0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3 0.3

2.7 2.7 2.7 2.7 2.7 2.7 2.8 3.1 3.4

2.7 2.7 2.7 2.7 2.7 2.7 2.8 3.2 3.6

2.8 2.9 2.9 2.9 2.9 2.9 2.9 3.3 3.7

3.5 3.5 3.5 3.5 3.5 3.5 3.5 4.1 4.4

3.9 3.9 4.0 4.0 4.0 4.0 4.0 4.5 4.7

3.6 3.6 3.5 3.4 3.4 3.4 3.4 3.8 4.0



3.0 3.0 3.0 3.0 3.0 3.0 3.1 3.5 3.9









0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1

2.9 2.9 2.9 3.0 2.9 2.9 3.1 3.2 3.4

2.8 2.8 2.9 2.9 2.9 2.9 3.1 3.2 3.4

3.0 2.9 2.9 2.8 2.8 2.9 3.0 3.1 3.4

3.2 3.2 3.1 3.1 3.2 3.2 3.3 3.6 3.7

3.8 3.9 4.0 3.9 4.0 4.0 3.9 3.9 4.1

3.0 3.1 4.2 4.2 4.0 4.0 4.2 4.2 4.2



2.9 2.9 2.9 2.9 2.9 2.9 3.1 3.2 3.4



3.0 3.0 3.0 3.0 3.0 3.0 3.1 3.5 3.8









7.0 6.9 6.8 7.1 7.1 7.1 7.5 8.0 8.2

6.9 6.9 6.8 7.1 7.2 7.3 7.6 8.1 8.3

7.3 7.4 7.4 7.6 7.6 7.8 8.1 8.5 8.7

7.6 7.7 7.9 8.0 8.2 8.2 8.6 8.6 8.7

7.5 7.6 7.5 7.8 7.8 7.9 8.3 8.6 8.8

7.4 7.4 7.4 7.6 7.7 7.7 8.0 8.4 8.6



7.1 7.1 7.1 7.3 7.4 7.4 7.8 8.2 8.4









15.5 15.5 15.5 15.5 15.5 15.5 15.5 15.9 16.0





15.7 15.7 15.2 15.2 15.2 15.2 15.2 15.3 15.5

16.2 16.2 16.0 15.9 15.9 15.8 15.8 15.9 16.1

16.7 16.7 16.4 16.1 15.9 15.8 15.7 15.8 16.0

15.1 14.9 14.9 14.9 14.8 14.9 14.9 15.9 16.1

15.7 15.7 15.2 15.2 15.3 15.2 15.3 15.9 16.1

15.7 15.7 15.3 15.3 15.3 15.2 15.3 15.7 15.8



9.1 9.0 8.9 9.2 9.3 9.3 9.7 10.1 10.3







7.3 7.3 7.4 7.5 7.5 7.5 7.6 7.9 8.1

7.7 7.7 7.8 7.9 7.8 7.8 8.2 8.7 8.8

8.0 8.0 8.1 8.2 8.2 8.1 8.3 8.7 8.9

8.4 8.4 8.4 8.5 8.5 8.5 8.8 9.2 9.4

7.4 7.4 7.5 7.4 7.4 7.4 7.7 7.9 8.0



7.7 7.7 7.7 7.8 7.8 7.8 8.1 8.4 8.5







7.5 7.5 7.9 8.1 8.1 8.3 8.6 9.1 9.3

8.3 8.3 8.7 8.9 9.1 9.2 9.5 10.0 10.1

7.8 7.8 8.2 8.3 8.4 8.4 8.6 9.1 9.3

7.3 7.3 7.6 7.8 7.8 7.9 8.1 8.5 8.7

7.8 7.8 8.1 8.4 8.6 8.6 8.9 9.4 9.6



7.6 7.6 8.0 8.2 8.3 8.4 8.6 9.1 9.3





6.5 6.5 6.9 6.9 6.9 6.8 7.5 8.2 8.2

6.6 6.6 7.1 7.1 7.1 7.1 7.7 8.5 8.5

6.6 6.6 7.0 7.0 7.0 7.0 7.5 8.3 8.4

6.6 6.6 7.0 7.0 7.0 7.0 7.5 8.2 8.3

6.6 6.6 7.0 7.0 7.0 7.0 7.6 8.4 8.4



6.6 6.6 7.0 7.0 7.0 7.0 7.6 8.4 8.4





13.5 13.9 12.1 12.5 12.4 12.7 12.8 13.1 13.3

12.5 12.0 11.6 11.9 11.9 12.3 12.4 12.7 12.8

12.6 12.3 11.5 11.8 12.0 12.1 12.6 12.9 13.2

11.5 11.5 11.0 11.2 11.2 11.2 11.5 11.7 11.8

10.8 10.8 9.7 9.9 10.0 10.0 10.3 10.8 10.8



12.6 12.7 11.3 11.7 11.6 11.8 11.9 12.3 12.4



12.1 12.0 11.6 11.6 11.6 11.6 11.8 12.2 12.3



9.6 9.5 9.3 9.5 9.6 9.6 9.9 10.3 10.5







1.9 2.7 2.0 2.0 2.1 2.4 2.8 3.0 3.2

2.8 2.8 3.0 3.0 3.1 3.1 3.3 3.4 3.4

3.3 3.2 3.1 3.2 3.4 3.6 3.8 4.0 4.4

4.0 4.0 4.2 3.8 4.0 4.0 4.0 4.2 4.1

3.7 3.7 3.7 3.6 3.7 3.5 3.8 4.0 4.2

4.6 4.6 4.6 4.1 4.3 4.1 4.1 4.1 3.9

3.6 3.6 3.7 3.7 4.0 4.0 4.3 4.2 4.4

4.7 4.7 4.6 4.7 4.9 4.7 4.7 4.6 4.4

4.0 4.0 4.1 4.2 4.4 4.8 4.8 4.8 5.0

5.0 4.9 5.0 5.1 5.2 5.4 5.3 5.1 5.3

3.9 3.9 4.0 4.1 4.3 4.5 4.7 4.8 4.9

5.0 4.8 4.8 5.0 5.1 5.2 5.2 5.2 5.0



3.8 3.8 3.8 3.9 4.1 4.3 4.5 4.6 4.8

4.8 4.7 4.7 4.8 4.9 5.0 5.0 5.0 4.8







0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1

0.1 0.1 0.2 0.2 0.2 0.2 0.2 0.2 0.2

0.3 0.4 0.4 0.3 0.3 0.4 0.4 0.4 0.5

1.3 1.3 1.2 1.2 1.1 1.1 1.1 1.1 1.1

0.4 0.3 0.3 0.3 0.4 0.4 0.4 0.4 0.5

1.2 1.2 1.1 1.1 1.1 1.2 1.2 1.2 1.2

0.3 0.4 0.3 0.3 0.4 0.3 0.3 0.4 0.4

1.0 1.1 1.0 1.0 1.0 1.0 1.0 1.0 1.0

0.5 0.5 0.4 0.5 0.5 0.5 0.5 0.5 0.5

1.1 1.1 1.1 1.1 1.1 1.1 1.0 1.0 1.0

0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.5 0.6

0.9 0.9 0.8 0.8 0.8 0.8 0.9 0.9 0.9

0.6 0.6 0.6 0.6 0.6 0.6 0.6 0.6 0.6

1.2 1.2 1.1 1.1 1.1 1.1 1.1 1.1 1.1



0.4 0.4 0.4 0.4 0.4 0.4 0.4 0.5 0.5

1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1

Oct 04 Nov 04 Dec 04 Jan 05 Feb 05 Mar 05 Apr 05 May 05 Jun 05





0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1

0.3 0.3 0.3 0.3 0.3 0.3 0.2 0.2 0.2

3.4 3.3 3.3 3.3 3.3 3.3 3.1 2.6 2.5

3.6 3.6 3.5 3.5 3.5 3.5 3.0 2.8 2.8

3.7 3.7 3.7 3.7 3.7 3.7 3.3 3.0 3.0

4.3 4.4 4.4 4.3 4.3 4.3 4.0 3.7 3.7

4.7 4.7 4.7 4.7 4.7 4.7 4.3 3.9 3.9

4.0 4.4 4.3 4.3 4.3 4.2 3.8 3.6 3.6



3.9 3.9 3.8 3.8 3.8 3.8 3.5 3.1 3.1









0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1

3.4 3.3 3.4 3.4 3.4 3.3 3.1 2.9 2.8

3.4 3.3 3.3 3.2 3.2 3.2 3.0 2.8 2.7

3.2 3.1 3.2 3.3 3.3 3.4 3.3 3.1 2.9

3.6 3.6 3.4 3.4 3.4 3.4 3.3 3.0 2.9

4.2 4.3 4.4 4.5 4.4 4.5 4.3 4.1 4.1

4.2 4.2 4.2 4.3 4.3 4.3 4.3 4.3 4.3



3.4 3.3 3.4 3.4 3.3 3.3 3.1 2.9 2.8



3.8 3.8 3.7 3.7 3.7 3.7 3.4 3.1 3.0









8.2 8.2 8.1 8.2 8.1 7.9 7.2 7.1 6.7

8.2 8.2 8.2 8.1 8.0 7.7 7.2 7.1 6.6

8.6 8.6 8.6 8.7 8.4 8.2 7.6 7.6 7.2

8.7 8.8 8.6 8.7 8.5 8.3 7.9 7.7 7.2

8.7 8.7 8.6 8.7 8.5 8.2 7.6 7.6 7.1

8.7 8.7 8.7 8.7 8.6 8.3 7.8 7.6 7.2



8.4 8.4 8.3 8.4 8.2 8.0 7.4 7.3 6.8









16.0 16.1 16.1 15.9 15.9 15.9 15.7 15.5 15.4





14.9 15.4 15.5 15.5 15.4 15.3 15.2 15.3 15.1

16.8 16.1 16.1 16.1 16.1 16.1 16.0 16.0 16.0

15.9 15.9 15.8 15.8 15.8 15.8 15.7 15.7 15.7

16.2 16.1 16.2 16.2 16.2 16.1 16.1 16.1 16.2

16.0 16.1 16.3 16.3 16.4 16.3 16.3 16.3 16.2

15.5 15.8 15.9 15.9 15.9 15.9 15.8 15.8 15.7



10.6 10.3 10.3 10.3 10.2 10.0 9.7 9.7 9.3







8.0 8.3 7.5 7.4 7.5 7.1 6.7 6.6 6.1

8.7 8.9 8.1 8.0 7.8 7.1 6.7 6.6 6.1

8.7 8.9 7.9 7.9 7.7 7.3 7.0 6.8 6.3

9.3 9.5 8.7 8.7 8.5 8.2 7.8 7.6 7.1

8.6 8.7 8.3 8.1 8.0 7.9 7.4 7.4 7.1



8.7 8.8 8.1 8.0 7.9 7.6 7.2 7.0 6.6







9.4 9.3 9.3 9.3 9.2 8.9 8.5 8.3 7.9

10.1 10.0 9.9 9.8 9.6 9.4 8.9 8.8 8.3

9.4 9.3 9.2 9.2 9.1 8.9 8.4 8.1 7.6

8.9 8.8 8.8 8.8 8.7 8.5 8.0 7.8 7.4

9.5 9.4 9.3 9.2 9.1 8.8 8.4 8.1 7.7



9.4 9.3 9.3 9.2 9.1 8.9 8.4 8.2 7.8





8.3 8.3 8.3 8.3 8.3 7.7 7.1 7.1 6.5

8.6 8.6 8.6 8.6 8.5 8.0 7.4 7.4 6.8

8.5 8.5 8.5 8.5 8.5 8.0 7.4 7.4 6.8

8.4 8.4 8.4 8.4 8.4 7.9 7.4 7.3 6.7

8.5 8.5 8.5 8.5 8.5 8.0 7.4 7.4 6.8



8.5 8.5 8.5 8.5 8.5 8.0 7.4 7.3 6.7





12.6 12.8 12.7 12.6 12.7 12.4 11.9 11.6 11.3

12.7 12.7 12.7 11.4 11.2 11.0 10.6 10.5 10.2

13.0 13.1 12.9 12.9 12.6 12.3 12.0 11.8 11.5

11.7 11.6 11.5 11.5 11.3 10.9 10.5 10.3 9.5

10.7 10.6 10.5 10.6 10.2 9.9 9.7 9.4 8.7



12.2 12.1 12.0 11.9 11.8 11.4 11.1 10.9 10.4



12.5 12.4 12.1 12.0 11.9 11.7 11.5 11.4 11.0



10.7 10.5 10.4 10.3 10.2 10.0 9.6 9.6 9.2







3.3 3.8 3.9 4.1 4.3 4.5 5.0 5.1 5.5

3.4 3.6 3.7 3.7 3.7 3.7 4.0 4.1 4.2

4.4 4.7 4.5 4.8 4.9 4.9 5.3 5.4 5.6

4.2 4.3 4.4 4.4 4.6 4.0 4.6 4.6 4.7

4.3 4.7 4.8 5.0 5.0 5.2 5.4 5.4 5.7

4.0 4.3 4.0 4.2 4.2 4.1 4.3 4.2 4.5

4.5 4.8 4.9 5.1 4.9 5.1 5.6 5.7 5.7

4.7 4.7 4.7 4.6 4.5 4.3 4.5 4.4 4.4

5.1 5.4 5.4 5.5 5.7 5.9 6.2 6.3 6.4

5.1 5.4 5.2 5.1 5.2 5.1 5.3 5.2 5.3

5.0 5.2 5.3 5.5 5.6 5.8 6.1 6.1 6.2

5.0 5.1 5.1 5.1 5.0 5.0 5.0 5.0 5.1



4.9 5.1 5.2 5.4 5.5 5.7 6.0 6.0 6.1

4.9 5.0 5.0 5.0 4.9 4.8 4.9 4.9 5.0







0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1

0.2 0.2 0.2 0.2 0.2 0.1 0.1 0.1 0.1

0.4 0.4 0.5 0.5 0.5 0.5 0.6 0.5 0.6

1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1

0.5 0.5 0.5 0.5 0.4 0.5 0.5 0.5 0.6

1.2 1.2 1.1 1.1 1.0 1.1 1.1 1.2 1.1

0.4 0.4 0.5 0.5 0.5 0.5 0.5 0.5 0.5

1.0 1.0 1.1 1.1 1.2 1.1 1.0 1.0 1.0

0.5 0.5 0.6 0.6 0.5 0.6 0.6 0.7 0.7

1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0

0.6 0.6 0.6 0.7 0.7 1.0 1.0 1.0 1.1

0.9 1.0 1.1 1.2 1.4 1.4 1.4 1.4 1.4

0.6 0.6 0.6 0.6 0.6 0.8 0.8 0.8 0.8

1.1 1.1 1.2 1.2 1.2 1.0 1.0 1.0 1.0



0.5 0.5 0.5 0.5 0.5 0.6 0.6 0.6 0.6

1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.0

Jul 05 Aug 05 Sep 05 Oct 05 Nov 05 Dec 05 Jan 06 Feb 06 Mar 06





0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1

0.4 0.4 0.4 0.4 0.4 0.4 0.4 0.3 0.3

2.3 2.8 2.4 2.4 2.4 2.4 2.5 2.4 2.3

2.6 2.5 2.4 2.2 2.4 2.4 2.3 2.2 2.2

2.7 2.7 2.5 2.4 2.4 2.4 2.5 2.4 2.4

3.6 3.5 3.2 3.2 3.2 3.2 3.2 3.0 3.0

3.7 3.6 3.3 3.2 3.2 3.2 3.2 3.0 2.9

3.8 3.8 3.6 3.8 3.7 3.8 3.8 3.4 3.2



3.0 3.1 2.8 2.8 2.8 2.8 2.8 2.7 2.6









0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1

2.4 2.3 2.3 2.1 2.2 2.2 2.3 2.1 2.0

2.4 2.2 2.1 2.2 2.1 2.1 2.1 2.0 1.8

2.5 2.2 2.1 2.2 2.1 2.0 2.0 1.9 1.8

2.5 2.3 2.2 2.2 2.2 2.2 2.1 2.0 1.9

3.6 3.5 3.4 3.2 3.0 3.1 3.3 3.1 3.0

4.0 4.0 4.0 4.0 3.8 4.0 3.7 3.7 3.2



2.5 2.3 2.2 2.2 2.2 2.2 2.3 2.1 2.0



2.9 2.9 2.7 2.7 2.7 2.7 2.7 2.6 2.5









6.4 6.3 6.3 6.2 6.2 6.2 5.9 5.8 5.8

6.3 6.2 6.1 6.2 6.2 6.1 5.7 5.6 5.5

6.9 6.8 6.6 6.6 6.5 6.5 6.1 5.9 5.8

7.0 6.7 6.6 6.6 6.6 6.6 6.1 5.9 5.9

6.9 6.7 6.6 6.5 6.5 6.6 6.1 5.9 5.8

7.0 6.7 6.6 6.5 6.5 6.5 6.1 6.0 5.8



6.6 6.5 6.4 6.3 6.3 6.3 5.9 5.8 5.7









15.1 15.1 15.1 15.1 15.0 14.9 14.8 14.6 14.5





15.0 15.0 14.9 14.6 14.4 14.4 12.7 12.6 12.6

16.0 16.0 16.0 15.8 15.8 15.8 15.4 15.2 15.2

15.6 15.6 15.6 15.3 15.3 15.2 14.9 14.9 14.9

16.2 16.2 16.3 15.9 15.9 16.0 15.6 15.7 15.6

16.1 16.2 16.2 15.5 15.5 15.5 15.0 14.9 14.9

15.7 15.7 15.7 15.2 15.2 15.2 14.3 14.3 14.3



9.1 9.1 9.0 8.9 8.9 8.9 8.4 8.3 8.2







5.8 5.8 5.7 5.8 5.8 5.7 5.6 5.4 5.4

5.8 5.8 5.7 5.8 5.8 5.7 5.6 5.5 5.5

6.0 6.0 5.8 5.9 5.9 5.9 5.7 5.4 5.4

6.7 6.7 6.6 6.0 6.6 6.6 6.4 6.1 6.1

6.5 6.5 6.4 6.1 6.1 6.1 5.9 5.7 5.7



6.2 6.2 6.1 5.9 6.0 6.0 5.8 5.6 5.6







7.6 7.4 7.3 7.3 7.3 7.3 6.9 6.7 6.6

8.0 7.8 7.7 7.7 7.6 7.7 7.3 7.0 6.9

7.5 7.2 7.2 7.1 7.1 7.1 6.7 6.5 6.3

7.2 6.9 6.8 6.7 6.7 6.7 6.3 6.1 6.0

7.4 7.2 7.2 7.1 7.2 7.2 6.6 6.4 6.2



7.5 7.3 7.2 7.2 7.2 7.2 6.7 6.6 6.4





6.3 6.2 5.7 5.6 5.6 5.6 5.6 5.3 5.3

6.5 6.4 5.9 5.9 5.9 5.9 5.9 5.7 5.3

6.5 6.4 5.9 5.8 5.8 5.8 5.8 5.6 5.3

6.5 6.3 5.9 5.8 5.8 5.8 5.8 5.6 5.3

6.5 6.4 5.9 5.9 5.9 5.9 5.9 5.6 5.3



6.5 6.4 5.9 5.8 5.8 5.8 5.8 5.6 5.3





10.8 10.9 10.6 10.6 10.6 10.6 9.0 9.0 9.3

9.8 9.8 9.6 9.7 9.7 9.6 8.8 8.8 9.0

10.9 9.9 9.7 9.8 9.8 9.8 9.2 9.5 9.3

9.3 9.0 8.9 8.8 8.8 8.8 8.1 8.2 8.0

8.4 8.3 8.2 8.3 8.2 8.2 6.9 6.7 6.6



9.9 9.8 9.6 9.6 9.6 9.5 8.2 8.2 8.2



10.7 10.6 10.5 10.3 10.3 10.3 9.7 9.6 9.6



8.9 8.9 8.8 8.6 8.7 8.6 8.1 8.0 7.9







5.7 5.9 6.0 6.2 6.5 6.6 6.8 6.9 7.1

4.3 4.4 4.3 4.3 4.6 4.7 4.7 4.9 4.9

5.8 6.2 6.4 6.6 6.8 7.0 7.2 7.5 7.5

4.6 4.7 4.8 4.8 5.1 5.1 5.1 5.4 5.3

6.0 6.3 6.4 6.5 6.6 6.9 6.8 6.9 7.2

4.5 4.7 4.2 4.4 4.7 4.9 4.7 4.8 5.0

5.9 6.1 6.4 6.7 6.9 7.1 6.9 7.5 7.6

4.4 4.4 4.5 4.6 4.8 4.9 4.9 5.1 5.3

6.5 6.6 6.8 6.6 6.9 7.0 7.1 7.2 7.4

5.3 5.3 4.9 4.8 5.0 5.0 5.0 5.1 5.1

6.3 6.5 6.4 6.6 6.7 6.8 7.0 7.1 7.2

5.1 5.2 4.7 4.7 5.1 5.1 5.1 5.2 5.1



6.3 6.5 6.5 6.6 6.8 6.8 7.0 7.1 7.3

5.0 5.1 4.7 4.7 5.1 5.1 5.1 5.2 5.1







0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.0

0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1

0.6 0.6 0.6 0.8 0.9 1.0 1.1 1.1 1.0

1.1 1.1 1.1 1.2 1.2 1.2 1.2 1.2 1.2

0.6 0.6 0.6 0.7 1.0 1.0 0.9 0.8 1.0

1.1 1.1 1.1 1.1 1.2 1.2 1.1 1.0 1.1

0.5 0.5 0.5 0.5 0.7 0.8 0.9 1.1 1.0

1.0 1.0 1.0 1.0 1.0 1.0 1.1 1.2 1.1

0.7 0.8 0.8 0.8 0.8 0.8 0.8 0.9 0.9

1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0

1.3 1.3 1.3 1.3 1.2 1.1 1.1 1.1 1.1

1.4 1.4 1.4 1.4 1.3 1.3 1.3 1.3 1.4

1.0 0.9 1.0 1.0 1.0 1.0 0.9 1.1 1.1

1.0 1.0 1.0 1.0 1.0 1.1 1.1 1.2 1.1



0.7 0.7 0.7 0.7 0.9 0.9 0.9 1.0 1.0

1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1

Apr 06 May 06 Jun 06 Jul 06 Aug 06 Sep 06 Oct 06 Nov 06 Dec 06





0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1

0.3 0.3 0.3 0.4 0.4 0.3 0.3 0.3 0.3

2.3 2.3 2.3 2.3 2.2 2.2 2.3 2.2 2.2

2.2 2.2 2.3 2.2 2.2 2.2 2.2 2.2 2.1

2.4 2.4 2.4 2.3 2.2 2.2 2.2 2.3 2.3

3.0 3.1 3.1 3.0 3.0 3.1 3.1 3.1 3.1

2.9 2.9 3.0 3.1 3.1 3.1 3.1 3.2 3.2

3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.2 3.3



2.6 2.7 2.7 2.6 2.6 2.6 2.6 2.7 2.6









0.1 0.1 0.1 0.1 0.0 0.0 0.0 0.0 0.0

2.1 2.0 2.0 2.0 2.1 2.0 2.1 2.1 2.0

1.9 1.9 1.9 1.8 1.8 1.9 1.9 1.9 1.9

1.8 1.7 1.8 1.8 1.9 1.9 2.0 1.9 1.9

1.9 1.9 1.9 1.9 1.9 2.0 2.0 2.0 2.1

3.0 3.0 3.0 3.1 3.0 3.1 3.0 3.0 3.0

3.2 3.2 3.2 3.2 3.4 3.4 3.4 3.4 3.4



2.0 2.0 2.0 2.0 2.1 2.0 2.0 2.1 2.0



2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5 2.5









5.7 5.7 5.7 5.7 5.6 5.6 5.6 5.6 5.6

5.5 5.4 5.4 5.4 5.4 5.4 5.5 5.5 5.4

5.8 5.8 5.8 5.8 5.8 5.7 5.8 5.8 5.7

5.9 5.8 5.9 5.8 5.8 5.8 5.8 5.7 5.7

5.7 5.7 5.8 5.8 5.8 5.7 5.8 5.7 5.7

5.8 5.7 5.7 5.7 5.7 5.8 5.8 5.8 5.7



5.7 5.6 5.6 5.6 5.6 5.6 5.6 5.6 5.6









14.5 14.4 14.4 14.1 14.1 14.1 14.0 14.0 14.0





12.6 12.6 12.7 12.7 12.7 12.7 12.7 12.6 12.6

15.2 15.1 15.0 15.1 15.1 15.1 15.1 15.0 15.0

14.9 15.0 15.1 15.2 15.2 15.2 15.3 15.2 15.2

15.6 15.6 15.6 15.6 15.6 15.7 15.7 15.7 15.6

14.9 14.9 14.9 14.9 14.9 14.9 14.9 14.9 14.8

14.3 14.3 14.3 14.3 14.4 14.4 14.3 14.3 14.3



8.2 8.3 8.3 8.3 8.3 8.4 8.4 8.4 8.5







5.4 5.4 5.5 5.3 5.3 5.3 5.3 5.3 5.3

5.5 5.5 5.6 5.4 5.4 5.5 5.5 5.4 5.4

5.4 5.4 5.5 5.3 5.3 5.4 5.4 5.3 5.3

6.1 6.1 6.1 6.0 6.0 6.0 6.0 5.9 5.9

5.6 5.7 5.7 5.6 5.6 5.7 5.6 5.6 5.6



5.6 5.6 5.7 5.6 5.6 5.6 5.6 5.6 5.5







6.6 6.5 6.6 6.6 6.6 6.5 6.6 6.5 6.5

6.9 6.9 6.9 6.9 6.8 6.8 6.8 6.7 6.6

6.3 6.3 6.2 6.3 6.3 6.3 6.3 6.2 6.2

5.9 5.9 5.8 5.8 5.8 5.8 5.8 5.8 5.8

6.2 6.2 6.2 6.2 6.2 6.1 6.1 6.1 6.1



6.4 6.4 6.4 6.4 6.4 6.3 6.4 6.3 6.3





5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3

5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3

5.3 5.3 5.2 5.2 5.2 5.2 5.2 5.2 5.2

5.3 5.3 5.3 5.2 5.3 5.3 5.3 5.3 5.2

5.3 5.3 5.2 5.3 5.3 5.3 5.3 5.3 5.3



5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3 5.3





9.3 9.4 9.4 9.5 9.1 9.5 9.4 9.2 8.9

9.0 9.0 9.0 8.9 8.9 8.7 8.9 8.9 8.7

9.3 9.3 9.4 9.3 9.2 9.2 9.2 9.2 9.1

8.0 8.0 8.1 8.1 8.1 8.1 8.1 8.1 8.1

6.6 6.6 6.7 6.7 6.6 6.7 6.7 6.7 6.6



8.2 8.2 8.2 8.2 8.1 8.2 8.1 8.0 7.9



9.5 9.5 9.5 9.5 9.4 9.4 9.3 9.3 9.2



7.9 7.9 8.0 7.9 7.9 7.9 7.9 7.8 7.8







7.3 7.4 7.6 7.9 7.7 7.8 7.7 7.9 7.8

5.0 5.1 5.1 5.5 5.4 5.8 5.8 6.1 6.1

7.6 7.7 8.1 8.2 8.1 7.9 7.9 7.8 8.0

5.3 5.4 5.6 5.8 5.9 5.9 5.9 5.8 6.0

7.3 7.3 7.3 7.4 7.6 7.4 7.6 7.3 7.6

4.9 5.0 4.9 5.1 5.3 5.6 6.2 6.2 6.4

7.7 7.9 7.8 7.8 7.8 7.6 7.6 7.6 7.9

5.3 5.4 5.5 5.6 5.6 5.8 5.9 6.0 6.3

7.5 7.6 7.8 7.9 7.9 7.6 7.6 7.5 7.6

5.2 5.3 5.4 5.5 5.7 5.7 5.8 5.9 5.9

7.6 7.7 7.9 7.9 8.0 7.6 7.6 7.5 7.5

5.1 5.2 5.3 5.3 5.6 5.6 5.7 5.8 5.8



7.6 7.7 7.9 7.9 8.0 7.6 7.6 7.5 7.5

5.1 5.2 5.3 5.4 5.6 5.6 5.8 5.8 5.9







0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1

0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1 0.1

1.1 1.1 0.9 1.0 1.1 1.1 1.2 1.1 1.0

1.2 1.2 1.2 1.3 1.3 1.3 1.3 1.3 1.3

1.1 1.2 1.3 1.3 1.2 1.3 1.2 1.1 1.0

1.1 1.3 1.2 1.3 1.3 1.2 1.2 1.2 1.1

0.9 0.9 0.9 0.9 0.9 0.9 0.9 0.9 1.1

1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.0 1.3

1.0 1.0 1.1 1.1 1.1 1.1 1.1 1.1 1.1

1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1

1.4 1.5 1.5 1.6 1.6 2.0 2.0 2.0 2.0

1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4 1.4

1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2 1.2

1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.1 1.2



1.0 1.1 1.0 1.1 1.1 1.1 1.1 1.1 1.1

1.1 1.2 1.1 1.2 1.2 1.2 1.2 1.2 1.2


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