ROBOR fluctuates according to economic conditions, the inflation rate and the money available in the banking market. Banks have no interest in influencing ROBOR precisely because it reflects a cost for both loans and deposits. 

Therefore, if ROBOR increases, a bank's revenues increase, but so do the costs for banks, because banks will then finance themselves more expensively in the financial markets or through deposits attracted from their customers.

If you're thinking of taking out a loan, you can calculate your monthly repayments online in the BT credit simulator and then find out over the phone if you're within the amount you want. 😊