INTEREST RATES BULLETIN

Transcription

1 Short-Term Deposits INTEREST RATES BULLETIN FOR TERM DEPOSITS AND CURRENT / SAVING ACCOUNTS (As from 01/02/2012) 1 week 2weeks 1 month 3 months 6 months 12 months BGN ,75% 2,00% 2,75% 4,00% 4,25% 5,25% GOLD BGN ,25% 2,50% 3,25% 4,50% 4,80% 5,90% EUR ,50% 1,75% 2,50% 3,25% 3,75% 4,50% GOLD EUR ,00% 2,25% 3,00% 3,75% 4,50% 5,25% USD ,00% 1,25% 1,75% 2,00% 3,00% 3,50% GOLD USD ,50% 1,75% 2,25% 2,50% 3,50% 4,00% GBP ,00% 1,25% 1,75% 2,00% 3,00% 3,50% GOLD GBP ,50% 1,75% 2,25% 2,50% 3,50% 4,00% CHF ,50% 1,00% 2,00% 2,25% 2,50% 2,75% GOLD CHF ,00% 1,50% 2,25% 2,50% 2,75% 3,50% Interest in Case of Withdrawals before the Maturity Date 0,2% The interest for s over BGN or EUR/USD are negotiable. Promotions on term deposits 4-months deposit rate BGN % EUR % USD % Promotion is in force till for newly opened deposits. Deposit 30+ (3 periods by 3 months) GOLD GOLD GOLD 1 st period 2 nd period 3 rd period BGN ,50% 5,85% 6,25% BGN % 7,00% 7.25% EUR ,25% 5,00% 5,25% EUR ,75% 6,00% 6,25% USD ,50% 3,75% 4,00% USD ,50% 4.75% 5,00% Promotion is in force till for newly opened deposits only. Interest in case of withdrawals before maturity date 0.2% 12-months deposit rate BGN ,85% GOLD BGN ,75% EUR ,00% GOLD EUR ,00% USD ,00% GOLD USD ,75% Promotion is in force till for newly opened deposits only. Interest in case of withdrawals before maturity date 0.2% Piraeus Bank Bulgaria Page 1 of 6

2 Deposit Sprint (3 periods by 1 month) 1 st period 2 nd period 3 rd period BGN ,25% 6,00% 7,00% EUR ,50% 5,00% 6,00% USD ,25% 4,00% 5,00% Promotion is in force till for newly opened deposits only. Interest in case of withdrawals before maturity date 0.2% Deposit 10 1 month BGN GOLD BGN EUR GOLD EUR USD GOLD USD Deposit 30 3 months for each month 1 (base) ,75% 3,03% 3,31% 3,59% 3,87% 4,15% 4,43% 4,71% 4,99% 5,27% 5,55% 5,83% 3,25% 3,58% 3,91% 4,24% 4,57% 4,90% 5,23% 5,56% 5,89% 6,22% 6,55% 6,88% 2,50% 2,75% 3,00% 3,25% 3,50% 3,75% 4,00% 4,25% 4,50% 4,75% 5,00% 5,25% 3,00% 3,30% 3,60% 3,90% 4,20% 4,50% 4,80% 5,10% 5,40% 5,70% 6,00% 6,30% 1,75% 1,93% 2,11% 2,29% 2,47% 2,65% 2,83% 3,01% 3,19% 3,37% 3,55% 3,73% 2,25% 2,48% 2,71% 2,94% 3,17% 3,40% 3,63% 3,86% 4,09% 4,32% 4,55% 4,78% Депози BGN ,20% GOLD BGN ,85% EUR ,00% GOLD EUR ,40% USD ,60% GOLD USD ,25% 18-months deposit rate 24-months deposit rate BGN % EUR % USD % BGN % EUR % USD % Piraeus Bank Bulgaria Page 2 of 6

3 Piraeus Maximum 3 years Interest Rate for the whole Deposit Period BGN ,00% BGN ,00% EUR % EUR % USD % Piraeus Childhood for each year after the 5th BGN 2,00% 5,00% 6,00% 7,00% 8,00% 8,00% EUR 1,00% 3,00% 4,00% 5,00% 6,00% 6,00% USD 1,00% 3,00% 4,00% 5,00% 5,75% 5,75% After the majority of titular deposit should be transferred to saving account USD % Piraeus Cash Manager Program Individuals Combination of Savings account and weekly term deposit Piraeus Cash Manager savings account BGN 2,40% EUR 1,75% USD 1.50% for opening 250 BGN/ 125 EUR Piraeus Cash Manager weekly term deposit BGN 4,80% EUR 3,50% USD 2.75% Companies Combination of current account and Overnight deposit Piraeus Express current account Amount Annual Interest rate from to over ,30% 0,40% 0,40% Piraeus Cash Manager Overnight deposit BGN 3.00% EUR 2.70% USD 2.00% Advance Deposits 1 month 3 months 6 months 12 months ADVANCE BGN ,25% 3,50% 3,75% 4,75% ADVANCE GOLD BGN ,01 2,75% 4,00% 4,25% 5,25% ADVANCE EUR 500 2,00% 2,75% 3,25% 4,00% ADVANCE GOLD EUR ,01 2,50% 3,25% 3,75% 4,50% ADVANCE USD 500 1,25% 1,50% 2,50% 3,00% ADVANCE GOLD USD ,01 1,75% 2,00% 3,00% 3,50% Piraeus Bank Bulgaria Page 3 of 6

4 Notice Deposit BGN ,00% EUR ,00% USD ,50% Interest in Case of Withdrawals without 2 days notice 0,2% Current Accounts Piraeus Express above ,00 0,30% 0,40% 0,40% Saving Accounts Piraeus Fair Play for each year Amount after the th OLP+ OLP+ OLP+ OLP+ BGN Up to ,25% 0,50% 0,75% 1,00% OLP+ OLP+ OLP+ OLP+ BGN above ,00 0,75% 1,00% 1,25% 1,50% Like saving BIR+ BIR+ BIR+ BIR+ EUR Up to account 0,25% 0,50% 0,75% 1,00% BIR+ BIR+ BIR+ BIR+ EUR above ,00 0,75% 1,00% 1,25% 1,50% OLP - Floating base rate for BGN account Bulgarian National Bank BIR. BIR - Floating base rate for EUR account European Central Bank. Fixed Rate. PBB accept fixed level of BNB OLP valid from till on the level of 1.50%. PBB accept fixed level of ECB BIR valid from till on the level of 1.00%. Other currencies account CAD, GBP, DKK, CHF, NOK, RON, SEK, JPY 0,00% Current Account for Farmers Amount BGN Up to ,00% BGN Above 1000,00 2,00% Current Account BGN, USD, EUR, AUD, CAD, GBP, DKK, CHF, NOK, RON, SEK, JPY Saving account Payroll 0,00% Amount BGN Up to ,00% BGN for surplus above ,50% Saving account 13 th pension rate BGN 3,75% Saving account Up to 500 0,00% 0,00% 0,00% above 500,00 up to ,40% 0,50% 0,35% above 5 000,00 0,75% 0,60% 0,55% Other Accounts Card Account BGN 0,20% Card account Payroll Amount BGN Up to ,00% BGN for surplus above ,50% Raising account ANY 0,00% Liquidation Account Amount BGN Up to ,10% BGN 0,20% BGN above ,00 0,30% Piraeus Bank Bulgaria Page 4 of 6

5 Escrow Account Third Party above ,00 0,30% 0,40% 0,40% above ,00 0,30% 0,40% 0,40% Interest of contracts for deposit Piraeus 15, which are not distributed any more, are changed as of and are the following: Currency Deposit 15 days Deposit 15 weeks Deposit 15 months BGN 3.00% 5.00% 5,15% EUR 2.50% 4.75% 4,25% The interest are valid from the next automatically renewable term of deposits, which is on /after Terms and Conditions for Accounts and Deposits 1. Piraeus Bank Bulgaria AD /below referred to as the Bank/ shall accrue interest on the s by the accounts and deposits with interest defined within the present Interest bulletin. 2. The Bank shall have the right to change unilaterally the interest rate applicable to the respective payment accounts provided there is a valid reason including under the conditions of the General Terms and Conditions of Piraeus Bank Bulgaria AD as the customers shall be informed for such a change via notifications posted in the specified for the purpose places within the bank offices as well as by announcement of the new interest in the Internet site of Bank / In case of disagree of the customer with the unilateral change of the applicable interest rate, the customer shall have the right to close its account, in 7 days term /seven days term/ as of the date of announcement of the change as on the available by the account shall be accrued interest rate as per the applicable to the respective time interest rate. In case that the customer does not terminate early the account or the deposit in the abovementioned 7 days term it is agreed that the customer accepts explicitly the change in the interest rate. The interest changes by the current, card and savings accounts and deposit products irrespectively of the their type or name shall be in effect and shall be applicable as of the next maturity date that follows the date of the Bank for their change. 3. The term of the notification in case of closing the deposit by a customer is one working day. 4. The interests shall be calculated on basis ACT /365 days, meaning the accruing of the interest shall be carried out presuming that the every month of the period from the opening up to the closing of the account shall consist of the actual number of calendar days as the year shall be considered as consisted of 365 days. 5. The deposits and the accounts opened at the Bank are guaranteed by the participation of the Bank in the Fund for Guaranteeing of Deposits in the Banks /FGDB, shortly referred to as the Fund/ under the rules of the Guaranteeing of the Deposits in the Banks Law. The Fund shall guarantee the payment of the deposited s and the funds by the accounts of one person in the Bank, despite of their number and the, up to BGN /one hundred ninety six thousands levs/ together for the principal and the interest under all deposits and accounts. The Fund shall pay the guaranteed s of the deposits and the accounts through a commercial bank assigned by the managing board of the Fund. The payment of s by the Fund shall start not later than 20 working days as of the date of the decision of the Bulgarian National Bank for deprivation of the issued banking activity license. 6. No deposits with the Bank shall be paid up to the s guaranteed where held by: 6.1. Any person who or which has been granted preferential interest terms departing from the declared terms and conditions which the Bank is obligated to apply to all depositors therewith; 6.2. Any person holding shares securing thereto more than 5 per cent of the votes in the Shareholders' General Meeting of the Bank; 6.3. Any member of the Bank's management or supervisory board, or of the Board of Directors, as the case may be, any managerial agent, and any member of the internal controls bodies thereof; 6.4. Any natural person, who is partner in the specialized auditing entities selected or appointed according to the procedure established in the law to certify the Bank's annual financial statement; Piraeus Bank Bulgaria Page 5 of 6

6 6.5. The spouses and any lineal and collateral relatives up to the second degree of consanguinity to any persons covered under Items 6.2, 6.3 and 6.4 above; 6.6. Any bank, should the money have been placed on a deposit on its own behalf and for its own account; 6.7. Financial institutions under Article 3 of the Credit Institutions Act; 6.8. any insurer; 6.9. Any pension fund or social insurance fund, except for supplementary compulsory retirement insurance funds; Any investment intermediary, should the money has been placed on a deposit on its own behalf and for its own account; Any closed-end investment company, collective investment schemes and special investment purpose companies; The State or any institution of State; Any municipality; The Bank Deposit Insurance Fund; Security Investor Compensation Fund, and the Guarantee Fund under Article 287 of the Insurance Code. 7. No guarantee shall be provided in respect of any deposits which have arisen out of or which are related to any transactions and actions constituting "money laundering" within the meaning given by Article 2 of the Measures against Money Laundering Act, if the doer has been convicted by an effective sentence. 8. The grounds for the exclusions covered under the abovementioned conditions shall be established circumstantially as at the date of the decision of the Bulgarian National Bank for the deprivation of the banking activity license. 9. The information regarding the deposit products whose offering is ceased shall be published on the internet site of the Bank. 10. The present Interest Bulletin and Terms and Conditions for the Deposits and the Accounts shall be considered as inseparable part of each Bank s deposit contract. 11. The General Terms and Conditions shall be applicable for all not-settled by the present Conditions cases. Piraeus Bank Bulgaria Page 6 of 6