�??????�????

????:????:??????

??2????????????14? (????????????? ??????????????? ????????)�2???????????????????,3??????????????????4.3%,??????�??????????????????????�????�??

???,??????????????????????,????????????4%???????????????????3%??,????????????200BP???????,??????,??,???????????????

?4%

2??13???????????,???????App????????,???????????????????????2025??3????????????�??????????????�3??6?????????1?????????2.5%?2.7%?????????3.0%,??5000?????????????,2025??????????3?�????�?2??9???????????

??????,1??22??????????2??????7??,??1?�???????�????????????1?????????3??????????????6???????????????1??4.25%?4.15%?4.10%??????????4%?

?:?????App? ????????????????????

?????????????????,???????????????1??????????4%????3%,???100???BP???,2?????13????,?,????,�??????�????????????????,???????????,???????????????,????????????

�????�????,2025???????????2???8?????,�??????�???????????????,??3000(??????????)???????????2.1%,?3000(???)??2.5%??,??????�????�??3000(?????????????????)??????????????,??????????????????????????4.3%??4.0%???,???????220?????????????BP?????????150???????????BP,????????????�?????????????????????�?

?????????????????2?????13?,??,????,2????????????????????12???,??8000(???????????????????)??,3??6?????????????13??????????????2.5%?2.7%???2.8%,?100???????????8000(????????????????)???????????????,3?????6???????13??????????2.4%?2.6%???2.7%????1??,??4%???????????????????