The April 3, 2009 was drafted a letter signed by Charles Henry, head of BancoPosta the Italian Post Office, and sent to account holders. The letter announces a change in contract terms BancoPosta account for the fact that touches on just two values:
- Reducing the rate of annual interest credit of 0.50% to 0.25% 
- Reducing the rate annual nominal (TAN) for the overdraft,
from 9.50% to 9.25%
No exactly good news: the first is justified by developments in financial markets, which we all know to be in a difficult period. The second is a mere sop to provide not only the bad news first.
reflecting on the simple fact variations, the first news has a much bigger impact on our portfolio with respect to the second: there is a reduction of 50% interest rate on credit, and a drop of only 2.6% of TAN .
Proof: (from 0.50 to 0.25) * 100 / 0.50 = 50%
(9.50 to 9.25) * 100 / 9.50 = 2.63% 
are no good news. 
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