(y) obresti, ki bi jih bilo treba plačati med tem polletjem, če bi se izračunale po referenčni obrestni meri; v ta namen pomeni ` referenčna obrestna mera` obrestno mero (zmanjšano za 15 (petnajst) bazičnih točk), ki jo banka določi na datum, ki nastopi en mesec pred datumom predčasnega odplačila, kot standardno obrestno mero za posojilo, ki ga je banka ponudila v ustrezni valuti, ki ima enake finančne značilnosti kot to posojilo, zlasti enako periodičnost za plačilo obresti, enako preostalo dobo do zapadlosti in enak način odplačevanja.
(y) the interest which would have been so payable during that half-year if calculated at the Reference Rate; for which purpose the ` Reference Rate` means the rate of interest (reduced by 15 (fifteen) basis points) which the Bank determines on the date falling one month prior to the Prepayment Date to be the standard rate for loan quoted by the Bank in the relevant currency, having the same financial characteristics as the loan, in particular the same periodicity for the payment of interest, the same remaining life to maturity and the same type of repayment profile.