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  "documentTitle": "Lebanon Economic Vision",
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  "notes": "The slide uses a waterfall-like logic to explain the buildup of interest rates.",
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      "text": "Interest rate: 10.4%",
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      "text": "Source: Benchmark analysis; Expert interviews; Banque du Liban; Ministry of Finance; Banks annual reports",
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      "text": "Component, Current, Explanation; Interest rate, 9.82% - 10.39%, The product pricing cap is calculated to account for banks' costs; Cost of capital, 1.80%, The rate of return required to issue a loan; Cost of funding, 6.92 - 7.49%, Average interest paid on the required funding; Cost of credit risk, 0.80%, Average rate required to cover potential loss; Servicing fee, 0.30%, Average rate of return required to cover operational cost",
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      "kind": "title",
      "text": "In order for banks to ensure sustainable profits under current cost of funds structure, credit interest rates charged are prohibitive at ~10.4%",
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