Banks internal rate for funding the lending activities usually derived from Offer rate on interbank market resp. from real Costs of funds when such sources are not easily available on market (long tenor resp. intra-Group sources). Funding represents interest costs for the Bank. The credit agreements usually make reference to any market rate like PRIBOR, EURIBOR etc., however after the fin. crisis in 2008 and following liquidity shortage on the market, it has proved to be necessary to have implemented “Market disruption clause” in the contract stipulating that in case of similar situations when respective market rate is not available the Bank will fund itself for real Costs of funds and these will be transferred into Borrowers pricing.