The composite interest rate is a weighted average interest rate of all Hong Kong dollar interest-rate-sensitive liabilitie, which include deposits from customer,amounts duetobanksegotiablecertificatesof deposit andotherdebtinstrmentsand allotherliabilitiesthat donotinvolveanyformal payment of interest but the valuesof whichare sensitiveto interest rate movements (such as Hong Kong dollar non-interest bearing demand deposits) on the books of banks. Further details can be found on the HKMA website. Quarterly change. Loans for use in Hong Kong plus trade finance. Classified loans are those loans graded as "substandard", "doubtful", or"loss". Net of specific provisions/individual impairment allowances.