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INTEREST RATE ON FOREIGN CURRENCY SAVINGS DEPOSITS
Deposit characteristics
| Type of deposit | Foreign currency deposit withinterest payment at the end of period |
|
Amount of deposit |
No mimimum amount |
|
Currency |
EUR USD |
|
Criteria for indexation |
Without indexation |
|
Costs for client (tax, etc.) |
Tax 10.00% |
Terms of deposits
| Period |
Nominal interest rate for deposits in EUR (fixed, annual) |
Nominal interest rate for deposits in USD (fixed, annual) |
| Fixed-term deposits 1 month |
2.00% |
1.00% |
| Fixed-term deposits 3 months |
3.60% |
1.80% |
| Fixed-term deposits 6 months |
4.30% |
2.35% |
| Fixed-term deposits 9 months |
4.30% |
2.35% |
| Fixed-term deposits 12 months |
5.05% |
2.75% |
| Fixed-term deposits 24 months |
5.35% |
3.00% |
| Fixed-term deposits 36 months |
5.65% |
3.35% |
*Interest rates are presented in gross amounts. Presented nominal interest rates are equal to effective interest rates.
The Bank calculates and pays tax on interest income, charging the depositor.
EXAMPLE
| DEPOSIT CHARACTERISTICS |
Deposit amount - EUR 5,000 Tax - 10.00%
|
|||
| Period |
Total accrued interest in EUR |
Total costs for client(tax,...) in EUR |
Total amount to be paid to client in EUR |
Effective interest rate p.a. |
| Fixed-term deposits 1 month |
8.41 |
0.84 |
5,007.57 |
1.80% |
| Fixed-term deposits 3 months |
44.19 |
4.42 |
5,039.77 |
3.24% |
| Fixed-term deposits 6 months |
106.40 |
10.64 |
5,095.76 |
3.87% |
| Fixed-term deposits 19 months |
160.73 |
16.73 |
5,144.66 |
3.87% |
| Fixed-term deposits 12 months |
252.54 |
25.25 |
5,227.29 |
4.55% |
| Fixed-term deposits 24 months |
549.31 |
54.93 | 5,494.38 | 4.83% |
| Fixed-term deposits 36 months |
896.29 |
89.63 |
5,806.66 |
5.11% |
| DEPOSIT CHARACTERISTICS |
Deposit amount - USD 5,000 Tax - 10.00% |
|||
| Period |
Total accrued interest in USD |
Total costs for client(tax,...) in USD |
Total amount to be paid to client in USD |
Effective interest rate p.a. |
| Fixed-term deposits 1 month |
4.22 |
0.42 |
5,003.80 |
0.90% |
| Fixed-term deposits 3 months |
22.24 |
2.22 |
5,020.02 |
1.62% |
| Fixed-term deposits 6 months |
58.43 |
5.84 |
5,052.59 |
2.11% |
| Fixed-term deposits 9 months |
88.05 |
8.80 |
5,079.25 |
2.11% |
| Fixed-term deposits 12 months | 137.52 |
13.75 |
5,123.77 |
2.48% |
| Fixed-term deposits 24 months | 304.50 | 30.45 | 5,274.05 | 2.70% |
| Fixed-term deposits 36 months |
519.52 |
51.95 |
5,467.57 |
3.02% |
The bank participates in the system of obligatory insurance of deposit of the Republic of Serbia.
You can find more information about deposit insurance on the website of Deposit Insurance Agency.
(032) 302 121, 302 126