Windsor Framework & Northern Ireland Protocol Overview

Banks passing on rate hikes to businesses Rates on new lending to corporates moved earlier than mortgage rates Lending rates to NFCs among highest in Euro Area and have been increasing (grey equals min/max range) Lending volume to SMEs down modestly but rates have jumped in latest data 7 81654 Percent 3 2 1 0 I I I 2008 2010 2012 2014 2016 2018 2020 2022 - Ireland Euro Area Gníomhaireacht Bainistíochta an Chisteáin Náisiúnta National Treasury Management Agency 2130% 1.8 1.5 EUR, billion Source: ECB 0.8 0.5 0.3 0.0 2016 2018 2020 2022 Percent 5.5 5.3 - 5.0 4.8 4.5 4.3 4.0 - 3.8 3.5 Gross new lending to SMEs, Ihs Interest rates, gross new lending to SMEs, rhs Source: Central Bank of Ireland 21 21

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