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Euribor is the benchmark rate of the large euro money market that has emerged since 1999. It is sponsored by the European Banking Federation (FBE), which represents the interests of 4 500 banks in 24 Member States of the European Union and in Iceland, Norway and Switzerland and by the Financial Markets Association (ACI). Euribor is the rate at which euro interbank term deposits are offered by one prime bank to another prime bank and is published at 11.00 a.m. CET for spot value.