Interest-bearing liabilites

EUR million

30 September 2015

30 September 2014

31 December 2014

Interest subsidy loans

566.1

608.8

602.5

Annuity and mortage loans

254.8

302.4

302.4

Market-based loans

986.2

841.0

865.8

Other loans

13.3

26.9

14.4

Commercial papers

67.9

47.9

64.9

Total interest-bearing liabilities

1,888.4

1,827.0

1,850.1

    

The interest expenses of the interest subsidy loans guaranteed by the state were EUR 6.0 (7.0) million for the period. The amount of interest subsidy paid by the state to the banks was EUR 0.1 (0.2) million.