... effect of banks’ funding costs onretail rates in Norway. The results point to incomplete pass-through and that, when market fundingcosts increase, banks’ net interest margins decreases. However, ... 2004, How do banks set interest rates? NBER Working Paper Series No. 10295.[6] Goggin, J., S. Holton, J. Kelly, R. Lydon and K. McQuinn, Variable Rates in the Irish Mortgage Market, Central Bank ... Housing loan rate margins in Finland, Bank of Finland Research DiscussionPapers 10/2010.[14] Raknerud, A., B.H. Vatne and K. Rakkestad, 2011, How do banks funding costs affect interest margins?...