Interest Rate Bulletin

Transcription

1 Interest Rate Bulletin Effective

2 General Interest s and Conditions The s which CIBANK JSC accrues on and pays under demand and term deposits are influenced by the market conditions and the policy of the Bank. The of the annual s under the respective demand and term deposits is approved with a decision of the Bank's Management Board. The Bank accrues and pays on current accounts in, and CHF provided that their is one foreign unit. The Bank accrues on demand and term deposits on 360/360 basis, according to which the month is considered to be 30 days, and the year is 360 days. Under demand deposits the is accrued and paid at the end of each calendar year. Under term deposits the is accrued and paid as agreed, i.e. under the terms of the respective term deposit - in advance, before the date of maturity, at maturity, in an accrual period. On blocked funds for use of an overdraft under a current account with an issued bank card, the Bank pays depending on the type of account on which the funds are blocked. For s 100,000 units depending on the total of the funds of the client at the Bank, the term and of the deposit, the s can be negotiated with a deviation of up to 50% of those published in the bulletin, and for this purpose the client concludes a contract for deposit at individual conditions. The Bank can unilaterally and independently change the s on sepa types of deposits by notifying clients in due time about any changes by putting signs on prominent places in the bank's offices and on its website. The s accepted by CIBANK JSC on the holder's deposits, regardless of their number, and, are guaranteed by the Bank's participation in the Bulgarian Deposit Insurance Fund, up to an of 196,000 including principal and accrued, as per the Bank Deposit Guarantee Law. 1. Interest s on demand deposits: 1.1. Current Accounts for % The equivalent of % The equivalent of % CHF The equivalent of % 1.2. Current accounts with issued bank cards for minimum balance for the respective card type minimum balance for the respective card type minimum balance for the respective card type 0.01% 0.01% 0.01% 2

3 Interest on unauthorized overdraft on current accounts with issued bank cards upon unauthorized exceeding of the available balance payable by the client for - BIR/RIR in + 20% - BIR/RIR in + 20% - BIR/RIR in + 20% 1.3. Special current account for notaries, offered sepaly or with Package program CiNotary* Amount // for for / up to % 0.01% to % 0.05% % 0.10% *The indicated s are effective Special current account for lawyers, offered sepaly or with Package program CiLawyer* Amount for up to % to % % *The indicated s are effective Beneficial Savings Account* for accrual Deposit balance at the end of the accrual day % % % *The indicated s are effective Children's Savings Account Dreams* for % % % *The indicated s are effective

4 3. Interest s on term deposits 3.1. Eurodeposit for Deposit , , , in case of early termination 1 month 0.05% 0.00% 3 months 0.05% 0.00% 6 months 0.10% 0.00% 12 months 0.15% 0.00% 1 month 0.05% 0.00% 3 months 0.10% 0.00% 6 months 0.15% 0.00% 12 months 0.20% 0.00% 6 months 0.05% 0.00% 12 months 0.10% 0.00% 3 months 0.05% 0.00% 6 months 0.10% 0.00% 12 months 0.15% 0.00% 6 months 0.01% 0.00% 12 months 0.05% 0.00% 6 months 0.05% 0.00% 12 months 0.10% 0.00% 3.2. Virtual Deposit for Deposit 1, , , in case of early termination 1 month 0.05% 0.00% 3 months 0.10% 0.00% 6 months 0.15% 0.00% 12 months 0.20% 0.00% 1 month 0.10% 0.00% 3 months 0.15% 0.00% 6 months 0.20% 0.00% 12 months 0.25% 0.00% 1 month 0.15% 0.00% 3 months 0.20% 0.00% 6 months 0.25% 0.00% 12 months 0.30% 0.00% 4

5 , , , , ,000 to 49,999 50, months 0.05% 0.00% 12 months 0.10% 0.00% 1 month 0.05% 0.00% 3 months 0.05% 0.00% 6 months 0.10% 0.00% 12 months 0.15% 0.00% 1 month 0.09% 0.00% 3 months 0.09% 0.00% 6 months 0.15% 0.00% 12 months 0.20% 0.00% 6 months 0.05% 0.00% 12 months 0.10% 0.00% 1 month 0.05% 0.00% 3 months 0.05% 0.00% 6 months 0.10% 0.00% 12 months 0.15% 0.00% 1 month 0.09% 0.00% 3 months 0.09% 0.00% 6 months 0.15% 0.00% 12 months 0.20% 0.00% 3.3. Deposit Extra for Deposit interes t in case of early termination 5, % 0.01% 10, % 0.01% 50, to 99, months 0.40% 0.01% 100, % 0.01% 2, % 0.01% 5, to 24, % 0.01% 25, months 0.25% 0.01% over 50, % 0.01% 3, to 6, % 0.01% 7, to 34, % 0.01% 35, to 69, months 0.20% 0.01% over 70, % 0.01% 5

6 3.4. Deposit 3x3 Deposit 5, , , to 99, , , , to 24, , over 50,000 3,500 to 6,999 7,000 to 34,999 35,000 to 69,999 over 70,000 ( accrual period) in case of early termination 1st accrual period 0.15% 0.01% 2nd accrual period 0.25% 0.01% 3rd accrual period 0.35% 0.01% 1st accrual period 0.20% 0.01% 2nd accrual period 0.30% 0.01% 3rd accrual period 0.40% 0.01% 1st accrual period 0.25% 0.01% 2nd accrual period 0.35% 0.01% 3rd accrual period 0.45% 0.01% 1st accrual period 0.30% 0.01% 2nd accrual period 0.40% 0.01% 3rd accrual period 0.50% 0.01% 1st accrual period 0.05% 0.01% 2nd accrual period 0.10% 0.01% 3rd accrual period 0.15% 0.01% 1st accrual period 0.10% 0.01% 2nd accrual period 0.15% 0.01% 3rd accrual period 0.20% 0.01% 1st accrual period 0.15% 0.01% 2nd accrual period 0.20% 0.01% 3rd accrual period 0.25% 0.01% 1st accrual period 0.20% 0.01% 2nd accrual period 0.25% 0.01% 3rd accrual period 0.30% 0.01% 1st accrual period 0.05% 0.01% 2nd accrual period 0.10% 0.01% 3rd accrual period 0.15% 0.01% 1st accrual period 0.10% 0.01% 2nd accrual period 0.15% 0.01% 3rd accrual period 0.20% 0.01% 1st accrual period 0.15% 0.01% 2nd accrual period 0.20% 0.01% 3rd accrual period 0.25% 0.01% 1st accrual period 0.20% 0.01% 2nd accrual period 0.25% 0.01% 3rd accrual period 0.30% 0.01% 6

7 3.5. Fresh Deposit II* for Maximum on a client level in case of early termination 10, ,000 5 month 0.45% 0.01% 5, ,000 5 month 0.25% 0.01% 5, ,000 5 month 0.35% 0.01% * The offer takes effect as of until Discontinued products 4.1. Eurodeposit Deposit , , , in case of early termination 24 months 0.05% 0.00% 36 months 0.10% 0.00% 24 months 0.10% 0.00% 36 months 0.15% 0.00% 24 months 0.01% 0.00% 36 months 0.05% 0.00% 24 months 0.05% 0.00% 36 months 0.10% 0.00% 24 months 0.01% 0.00% 36 months 0.05% 0.00% 24 months 0.01% 0.00% 36 months 0.05% 0.00% 4.2. Deposit Extra currenc y Deposit in case of early termination % 0.00% 10, % 0.00% 50, to 99, months 0.15% 0.00% 100, % 0.00% 2, % 0.00% 5, to 24, % 0.00% 25, months 0.09% 0.00% over 50, % 0.00% 3, to 6, % 0.00% 7, to 34, % 0.00% 35, to 69, months 0.09% 0.00% over 70, % 0.00% 7

8 4.3. Attractive Deposit Deposit 5, , , to 99, , , , to 24, , over 50,000 3,500 to 6,999 ( accrual period) in case of early termination 1st accrual period 0.01% 0.00% 2nd accrual period 0.05% 0.00% 3rd accrual period 0.10% 0.00% 4th accrual period 0.15% 0.00% 1st accrual period 0.05% 0.00% 2nd accrual period 0.09% 0.00% 3rd accrual period 0.14% 0.00% 4th accrual period 0.19% 0.00% 1st accrual period 0.09% 0.00% 2nd accrual period 0.13% 0.00% 3rd accrual period 0.18% 0.00% 4th accrual period 0.23% 0.00% 1st accrual period 0.13% 0.00% 2nd accrual period 0.17% 0.00% 3rd accrual period 0.22% 0.00% 4th accrual period 0.27% 0.00% 1st accrual period 0.01% 0.00% 2nd accrual period 0.01% 0.00% 3rd accrual period 0.05% 0.00% 4th accrual period 0.10% 0.00% 1st accrual period 0.05% 0.00% 2nd accrual period 0.05% 0.00% 3rd accrual period 0.09% 0.00% 4th accrual period 0.14% 0.00% 1st accrual period 0.09% 0.00% 2nd accrual period 0.09% 0.00% 3rd accrual period 0.13% 0.00% 4th accrual period 0.18% 0.00% 1st accrual period 0.13% 0.00% 2nd accrual period 0.13% 0.00% 3rd accrual period 0.17% 0.00% 4th accrual period 0.22% 0.00% 1st accrual period 0.01% 0.00% 2nd accrual period 0.01% 0.00% 8

9 7,000 to 34,999 35,000 to 69,999 over 70,000 3rd accrual period 0.05% 0.00% 4th accrual period 0.10% 0.00% 1st accrual period 0.05% 0.00% 2nd accrual period 0.05% 0.00% 3rd accrual period 0.09% 0.00% 4th accrual period 0.14% 0.00% 1st accrual period 0.09% 0.00% 2nd accrual period 0.09% 0.00% 3rd accrual period 0.13% 0.00% 4th accrual period 0.18% 0.00% 1st accrual period 0.13% 0.00% 2nd accrual period 0.13% 0.00% 3rd accrual period 0.17% 0.00% 4th accrual period 0.22% 0.00% 4.4. Deposit Elite Deposit in case of early termination 50, to 99, months 0.15% 0.00% 100, % 0.00% 25, months 0.10% 0.00% over 50, % 0.00% 35, to 69, months 0.05% 0.00% over 70, % 0.00% 4.5. Standard Deposit CHF in case of early termination for all currencies 7 days n/a 0.01% 0.01% n/a 0.00% 14 days n/a 0.01% 0.01% n/a 0.00% 1 month 0.01% 0.01% 0.01% 0.01% 0.00% 3 months 0.03% 0.01% 0.01% 0.01% 0.00% 6 months 0.04% 0.01% 0.01% 0.01% 0.00% 12 months 0.05% 0.01% 0.01% 0.01% 0.00% 4.6. Growing Deposit (3-month accrual period) in case of early termination for all currencies 1st period 0.00% 0.00% 0.00% 0.00% 9

10 2nd period 0.01% 0.01% 0.01% 0.00% 3rd period 0.02% 0.02% 0.02% 0.00% 4th period 0.03% 0.03% 0.03% 0.00% 5th period 0.04% 0.04% 0.04% 0.00% 6th period 0.05% 0.05% 0.05% 0.00% 7th period 0.06% 0.06% 0.06% 0.00% 8th period 0.07% 0.07% 0.07% 0.00% 9th period 0.08% 0.08% 0.08% 0.00% 10th period 0.09% 0.19% 0.09% 0.00% 11th period 0.10% 0.10% 0.10% 0.00% 12th period 0.11% 0.11% 0.11% 0.00% 4.7. Deposit Renta in case of early termination for all currencies 12 months 0.01% n/a n/a 0.00% 24 months 0.02% 0.01% 0.01% 0.00% 36 months 0.05% 0.02% 0.02% 0.00% 4.8. Savings accounts with differentiated accrual* for for accrual % % % *The indicated s are effective Fresh Deposit for Maximum on a client level in case of early termination 10, ,000 5 month 0.55% 0.01% 5, ,000 5 month 0.35% 0.01% 5, ,000 5 month 0.15% 0.01% Top Deposit + for in case of early termination 10

11 months 0.01% 0.00% 12 months 0.01% 0.00% 6 months 0.01% 0.00% 12 months 0.01% 0.00% 6 months 0.01% 0.00% 12 months 0.01% 0.00% 11