... Germany, Austria, Finland, France and the Netherlands.starting in 2010 against the backdrop of the sovereign debt crisis : from early 2010, short-term interest rates increased in the countries ... market rates and retail bank rates in the euro area in the Context of the reCent CrisisCentral bank rates, market rates and retail bank rates in the euro area in the context of the recent crisisN. ... Conversely, in the case of the model estimated using the OIS, both the increase and decrease in the retail interest rate are principally due to the shock to the retail rate, which indicates...