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Reference interest rate
Reference interest rate
Calculation of reference interest rate for loans, credit cards, and account overdrafts

Intesa Sanpaolo Banka d.d. Bosna i Hercegovina defined a variable interest rate in contracts and supporting documentation for loans, credit cards, and account overdrafts.
Variable part of interest rate
- Variable part of interest rate represents average of interest rates on retail deposits with agreed maturity for:
- Deposits in KM and deposits with currency clause.
- Deposits in EUR.
- Deposits in foreign currency.
Calculation of reference interest rate for time deposit, savings, and demand accounts

Intesa Sanpaolo Banka d.d. Bosna i Hercegovina defined interest rate as variable in contracts and supporting documentation for time deposits, savings, and demand accounts.
Variable part of interest rate
- Variable part of interest rate represents average of interest rates on demand retail deposits for:
- Deposits in KM and deposits with currency clause.
- Deposits in EUR.
- Deposits in foreign currency.