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Term savings with a premium

Intended for those who know how to plan long-term

Benefits of term savings with a premium

Interest rate

The possibility of choosing a fixed or variable interest rate.

Different currencies

The possibility of choosing a currency for savings.

Payment with premium

Premium on the interest.

Savings with a premium

Term savings with premium is type of long-term savings in which by regular monthly payment, one gains right to premium which is calculated to interest per deposit.

Applied as of 07.06.2021.

Minimum amounts for payment of deposit with premium amount to

For deposit in currency BAM

50,00 BAM

For deposit in currency EUR

50,00 EUR

For deposit in currency USD

120,00 USD

In order to reduce waiting in lines and save your time for monthly payments of premium, the Bank offers agreeing upon standing order from the current account.

Interest and premium

Beside the regular interest, the Bank also accrues the premium. The premium is accrued by expiry of term deposit to the amount of total accrued interest. Premium rate is fixed, it is accrued upon expiry of term deposit to the amount of accrued interest, and depends upon the term deposit deadline.

Variable/fixed interest rate in the currency KM and EUR

Term of deposit

Amount

Nominal interest rate (NIR)

Effective interest rate (EIR)*

Premium

13 months

All amounts

0,10%

0,10%

6,00%

24 months

All amounts

0,20%

0,21%

7,00%

36 months

All amounts

0,30%

0,32%

8,00%

48 months

All amounts

0,40%

0,43%

8,20%

60 months

All amounts

0,50%

0,54%

8,50%

* Calculation of effective interest rate (EIR) includes the amount of nominal interest rate and amount of related premium.

Variable/Fixed interest rate in the currency USD

Term of deposit

Amount

Nominal interest rate (NIR)

Effective interest rate (EIR)*

Premium

13 months

All amounts

0,05%

0,05%

6,00%

24 months

All amounts

0,10%

0,10%

7,00%

36 months

All amounts

0,20%

0,20%

8,00%

48 months

All amounts

0,30%

0,30%

8,20&

60 months

All amounts

0,40%

0,40%

8,50%

*Calculation of effective interest rate (EIR) includes the amount of nominal interest rate and amount of related premium.

For more information, please contact

For more information, please contact