ERU, Alm.del - 2009-10 - Endeligt svar på spørgsmål 183: Spm. om hvad ministeren kan oplyse om rentemarginalen mellem de indskud/lån, danske pengeinstitutter har optaget med statsgaranti, og den rente bankerne har som udlånsrente, til økonomi- og erhvervsministeren

Besvarelse af spørgsmål 183 alm. del stillet af Erhvervsudvalget den12. april 2010 efter ønske fra Frank Aaen (EL).Spørgsmål:Hvad kan ministeren oplyse om rentemarginalen mellem de indskud/lån,danske pengeinstitutter har optaget med statsgaranti, og den rente ban-kerne har som udlånsrente? Der ønskes oplyst, hvor store lån/indskud, derer tale om.Svar:Som det fremgår af svaret til ERU spørgsmål 182, bestemmes bankernesudlånsrente af mange faktorer såsom interbankmarkederne, obligations-markederne og markederne for indlån mv.Bankernes indlån, rentemarginaler og udlånsrente fremgår af tabel 1 (fraNationalbanken). Det skal bemærkes, at den generelle statsgarantiordningtrådte i kraft pr. 10. oktober 2008. Af tabellen fremgår det, at indlånet tilprivate og erhverv pr. februar 2010 i alt udgjorde 1.033.536 mio. kr.

Tabel 1. Bankernes indlån, rentemarginal og udlånsrente.Bankernes indlån imio. kr.PrivateErhvervjan-03429.451feb-03436.580mar-03430.523apr-03446.265maj-03455.593jun-03448.420jul-03452.515aug-03453.917sep-03441.113okt-03448.786nov-03449.314dec-03449.365jan-04452.772feb-04452.328mar-04452.494apr-04470.239maj-04475.352jun-04471.314jul-04484.240aug-04479.582sep-04473.956okt-04486.396nov-04489.102dec-04494.046jan-05493.460feb-05499.146198.3245,503,116,84,8195.7295,523,046,84,7195.4785,573,106,84,8195.9855,703,086,94,8192.5385,763,107,04,8189.5395,893,177,14,9195.2855,893,097,14,8202.6595,963,137,14,8183.3906,083,137,24,8191.0556,073,117,24,8190.3686,183,137,34,8189.8776,133,187,34,9186.0806,283,287,45,0184.8356,243,307,45,0179.1046,323,197,44,9173.9306,373,387,55,1184.3786,373,407,55,0171.0776,513,417,65,2168.8586,523,557,65,2175.0196,603,557,75,2158.5766,633,538,05,4167.0886,583,488,25,6168.2086,633,518,35,7158.6106,563,448,25,8165.1846,743,548,46,0176.0686,553,558,35,9RentemarginalerPrivateBankernes udlåns-rentePrivateErhverv

mar-05502.113apr-05527.472maj-05534.471jun-05536.974jul-05544.868aug-05554.820sep-05548.395okt-05547.474nov-05555.302dec-05569.282jan-06559.113feb-06560.454mar-06574.410apr-06587.715maj-06593.911jun-06600.641jul-06600.468aug-06600.189sep-06598.257okt-06597.780nov-06606.515dec-06614.068jan-07610.154feb-07614.706mar-07627.258apr-07639.553maj-07646.403jun-07655.600jul-07658.360305.2454,082,317,45,9273.4534,142,237,35,8269.7284,132,367,25,7259.4504,172,307,25,6272.5904,152,247,15,5265.7994,362,357,25,5265.1684,382,317,15,4257.9474,392,236,95,2244.0714,492,346,85,3261.1354,472,386,85,2250.9454,522,466,75,1245.6874,542,436,65,0258.2954,552,436,44,8245.0934,572,466,44,8238.1084,562,466,34,7227.6564,642,486,44,7237.8434,632,446,34,6238.1974,732,596,24,5304.3964,712,536,14,4223.9084,762,606,14,4221.1424,872,726,24,4222.5414,922,706,24,4220.6664,952,746,34,5222.8205,022,776,34,5238.3835,092,816,44,6219.0925,162,876,54,6196.8305,232,876,54,6206.1755,342,926,64,7195.5115,372,976,64,7

aug-07665.314sep-07657.311okt-07656.673nov-07668.064dec-07675.560jan-08678.306feb-08684.830mar-08682.308apr-08708.008maj-08714.097jun-08700.216jul-08705.841aug-08704.525sep-08690.260okt-08696.354nov-08698.687dec-08687.009jan-09705.414feb-09703.512mar-09705.918apr-09721.737maj-09731.920jun-09733.117jul-09742.891aug-09741.007sep-09726.182272.7114,183,315,84,7284.5974,233,566,05,1294.5454,263,426,15,1276.9764,243,396,15,2288.5454,403,446,45,5284.9604,443,256,65,5285.1014,433,166,95,8298.9164,733,157,46,3290.5644,582,947,76,6299.5844,632,688,37,0294.6644,632,618,77,4312.0134,412,468,26,9304.8154,192,437,86,6313.1194,182,407,86,5324.1204,182,337,86,4299.8834,132,477,76,4308.1414,152,497,76,3304.6424,082,367,66,2304.8164,042,287,56,0310.5974,032,357,56,1312.0974,022,367,46,1298.9854,012,477,46,1297.5364,032,447,46,1310.8054,042,347,46,0294.3964,102,407,56,0299.0704,042,287,45,9