□ In January 2024, the average interest rate on new deposits was 3.67%, down 18 basis point from the previous month.

   ― The average interest rate on outstanding amounts of deposits as of end-January was 2.69%, up 1 basis points from the previous month.

□ In January 2024, the average interest rate on new loans was 5.04%, down 10 basis points from the previous month.

   ― The average interest rate on outstanding amounts of loans as of end-January was 5.19, down 2 basis points from the previous month.