APRC
as defined in Directive 2014/17/EU of the European Parliament and of the Council of…, Article 4, point (15) (Definitions)
the total cost of the credit to the consumer, expressed as an annual percentage of the total amount of credit, where applicable, including the costs referred to in Article 17(2) and equates, on an annual basis, to the present value of all future or existing commitments (drawdowns, repayments and charges) agreed by the creditor and the consumer.