The Finance Ministry on Wednesday hailed the decision of the National Bank of Greece (NBG) to reward customers for consistently paying their home loan installments. On Wednesday, NBG announced it was the first Greek bank to implement a program that would provide benefits to responsible borrowers. This includes a 5% return on all interest rates debtors pay throughout the year, to be paid out every January for the previous calendar year. The bank provided additional bonuses as well for borrowers using their bank cards. "We welcome the initiative of the National Bank of Greece to reward consistency in its housing loans," the Ministry said in a statement. "It's an initiative confirming that the private sector may recognize in practial ways the efforts of consistent loan payers," it said.