UKRAINIAN INDEX
OF EFFECTIVE INTEREST RATES
ON CONSUMER LOANS FOR INDIVIDUALS
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CreditMarket Cash Loan Index: a mean effective rate fell down to 112.02%

On 13 November 2012, CreditMarket Cash Loan Index decreased to 112.02% against 122.85% recorded on 30 October 2012 (an effective rate on cash loans per annum, in UAH). The information is as of 13 November 2012.

Denis Rakovsky, Sales Director at KreditMarket: “CreditMarket Cash Loan Index, which remained stable for a recent month, has dropped sharply by 10.83 p. p., to 112.02%. It is to be recalled that one month stabilization was preceded by a sharp jump by 5.65 p. p. in early September.

For two weeks since the last calculation two banks (Alfa Bank and Idea Bank) from our CreditMarket Cash Loan Index list have changed their conditions for cash loan granting. Alfa Bank decreased the nominal interest rate to zero and slightly increased the monthly loan service fee. Idea Bank, on the other hand, decreased the monthly loan service fee and significantly increased the borrower’s life-insurance cost. These changes have considerably affected the mean effective rate.

We’d like to stress that CreditMarket Cash Loan Index is the most volatile value of all five indices funded by us.

In the mid-term, as before, we leave open the possibility that actively crediting banks may continue looking for an optimal set of conditions resulting in fluctuations of the CreditMarket Cash Loan Index around values reached in 2012. However, we do not predict any considerable changes at the current stage.”

Information

CreditMarket Cash Loan Index is calculated on the basis of cash loans without collateral granted for 1 year. The redemption scheme – is annuity, in case of no proposals - a serial loan. Currency – UAH. Amount – UAH8,000.

Index Values History

DateValue 
22.02.2017 87.49%
09.01.2017 92.44%
07.12.2016 90.89%
11.11.2016 90.89%
10.10.2016 85.15%
08.09.2016 87.91%
28.08.2016 84.28%
26.07.2016 85.31%
23.06.2016 81.62%
11.05.2016 81.62%
20.04.2016 81.62%
08.03.2016 80.99%
08.02.2016 89.65%
16.01.2016 85.98%
07.12.2015 100.88%
05.11.2015 107.81%
02.10.2015 111.18%
04.09.2015 92.25%
03.08.2015 105.90%
07.07.2015 97.68%
05.06.2015 131.13%
05.05.2015 110.09%
06.04.2015 96.57%
05.03.2015 95.82%
05.02.2015 82.34%
30.01.2015 78.13%
30.12.2014 106.25%
28.11.2014 106.25%
31.10.2014 110.36%
30.09.2014 110.36%
31.08.2014 110.36%
31.07.2014 110.36%
04.06.2014 96.56%
15.03.2014 105.59%
06.02.2014 103.42%
10.01.2014 107.08%
30.12.2013 105.18%
17.11.2013 105.18%
25.10.2013 105.18%
13.09.2013 105.18%
05.08.2013 105.18%
18.07.2013 105.18%
03.07.2013 110.28%
18.06.2013 107.08%
05.06.2013 107.08%
21.05.2013 107.08%
13.05.2013 107.08%
30.04.2013 107.08%
17.04.2013 107.08%
03.04.2013 107.08%
20.03.2013 102.68%
06.03.2013 107.08%
19.02.2013 106.10%
05.02.2013 106.10%
23.01.2013 102.68%
25.12.2012 107.16%
11.12.2012 112.01%
27.11.2012 112.01%
13.11.2012 112.02%
30.10.2012 122.85%
16.10.2012 122.85%
02.10.2012 122.85%
18.09.2012 117.20%
04.09.2012 117.20%
21.08.2012 114.15%
07.08.2012 114.15%
24.07.2012 114.15%
10.07.2012 111.76%
26.06.2012 110.80%
12.06.2012 110.80%
29.05.2012 110.80%
15.05.2012 115.22%
03.05.2012 115.22%
17.04.2012 115.22%
03.04.2012 115.56%
20.03.2012 119.75%
06.03.2012 115.22%
21.02.2012 110.36%
07.02.2012 114.65%
24.01.2012 116.46%
11.01.2012 132.61%
27.12.2011 132.61%
13.12.2011 112.83%
29.11.2011 112.83%
15.11.2011 110.25%
01.11.2011 102.23%
18.10.2011 102.23%
04.10.2011 102.23%
20.09.2011 102.23%
05.09.2011 107.06%
22.08.2011 107.06%
08.08.2011 103.43%
25.07.2011 103.43%
13.07.2011 103.50%
06.07.2011 89.85%
 

 

 
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