It should incorporate all interest payments on deposits and loans , but no other charges .

The AAR covers all interest payments on deposits and loans , but no other charges that may apply .

The annualised agreed rate shall cover all interest payments on deposits and loans , but no other charges that may apply .

all charges and interest payable by the payment service user to the payment service provider

Interest income

Interest expense Net interest income

The ECB supports the continued exclusion of interest payments and interest like charges from the HICP .

Interest income ( ) 1.2 .

Interest expense ( ) 1 .

Other interest income 1.1 .

Other interest expense 1.2 .

In order to monitor other ( non interest ) charges for consumer credit and loans to households for house purchase , the annual percentage rate of charge , as defined in Community legislation on consumer credit , is collected in addition .

( 32,020 ) ( 11,947,990 ) ( 32,960 )

Interest income on foreign reserve assets 1.1.2 .

As a result , any change in this investment policy would pose a risk to the gross debt ratio ( but not , however , to the interest burden ) .

As a result , any change in this investment policy would pose a risk to the gross debt ratio ( but not , however , to the interest burden ) .

Interest on liabilities covers interest on loans , on deposits , and on other claims and interest related to the use of IMF credit and loans form the IMF .

Non interest charges are relevant to national accounts as well as to conditions in the banking market .

and remaining assets , which include accrued interest on assets .

Other interest income and Other interest expense These positions include interest income and expenses on balances arising from TARGET and in respect of other assets and liabilities denominated in euro .

Other interest income and Other interest expenses These positions include interest income and expenses on balances arising from TARGET and in respect of other assets and liabilities denominated in euro .

3 Other assets 3.1 Tangible and intangible fixed assets 3.2 Other financial assets 3.3 Accruals , deferred expenditure and sundry items

Other interest income and Other interest expense These items include interest income of Euros 1.6 billion ( 2004 Euros 1.2 billion ) and expenses of Euros 1.5 billion ( 2004 Euros 1.1 billion ) on balances arising from TARGET .

The remainder of this balance consists principally of accrued interest on securities and other financial assets .

12 Other liabilities This item consists mainly of interest due to the NCBs in respect of their claims relating to the foreign reserves transferred ( see note 11 ) .

Interest income on foreign reserve assets This item includes interest income , net of interest expense , in respect of the assets and liabilities denominated in foreign currency , as follows 2003 Euros Interest on current accounts Money market deposit income Reverse repurchase agreements Net income on securities 2002 Euros Change Euros

Finally , moderate developments in labour costs in 2006 continued to contribute to overall subdued inflationary pressures , while the appreciation of the euro had a similar effect . HEADLINE INFLATION WAS SIGNIFICANTLY INFLUENCED BY ENERGY PRICE DEVELOPMENTS Short term fluctuations in oil prices and base effects from past energy price developments contributed strongly to the profile of overall HICP inflation in 2006 ( see Chart 23 ) .

Annual percentage rate of charge

Two further valuation methods have been defined value including accrued interest ( A ) and effective amount paid ( E ) .

ARTICLE 3 CHARGES FOR CROSS BORDER PAYMENTS Article 3 lays down the principle of equal charges .

Own resources collection costs 1B .

Observatory for bank charges Irrespective of banks chosen charging regime , the Eurosystem reiterates the need for consumer organisations to establish an observatory to monitor banks payment charges and charging principles .

Other investment income ( 370 ) Other investment income covers interest receipts and payments on all other resident claims ( assets ) on and liabilities to non residents , respectively .

In addition , the payment service provider shall be strictly liable for any charges , and for any interest charged to the payment service user as a consequence of the non execution or defective execution of the payment transaction .

Interest income realised in connection with the disposal of certain securities is now presented under the net interest income caption of the Profit and Loss Account .

Annual percentage rate of charge 9 .

Interest on assets comprises interest on long and short term loans , on deposits , on other commercial and financial claims , and on an economy 's creditor position in the IMF .

( a ) to recall the three interim quarterly distributions already paid to the NCBs during the year amounting to Euros 533 million in total ( b ) to withhold the final quarterly interim distribution of Euros 165 million .

bonds .

Also included under this item is accrued interest , including the amortisation of discounts , on securities and other financial assets .

Foreign currency loans , securities and deposits outflows ( ) Principal Interest inflows ( ) Principal Interest 2 .

Sundry items

Also included under this item is accrued interest , including the amortisation of discounts , on securities and other financial assets .

Article 40 Additional charges 1 .

189,726 50,533,383 Interest income on foreign reserve assets ( net ) 541,294,375