implicit rates referring to the average of the month are calculated, i.e. quotients, with the accrued interest payable on deposits and receivable on loans as the numerator and the average daily stock as the denominator.
kuu keskmist kajastavad kaudsed intressimäärad, s.t jagatised, mille puhul lugejaks on vaadeldava kuu hoiustelt makstav ja laenudelt saadav kogunenud intress, ning nimetajaks päeva keskmine seis.