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

Respected clients,

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.

The variable part of interest rate represents average of interest rates to retail deposits with agreed maturity for:

  • Deposits in KM and deposits with currency clause.
  • Deposits in EUR.
  • Deposits in foreign currency.


taken as of 31.03. in calendar year.

 

No.Type of retail depositInterest rate
1.Deposits in KM and deposits with currency clause “with agreed maturity”
1.a.Up to 1 year0,381
1.b.Over 1 to 2 years 1,022
1.c.Over 2 years 1,264
2.Deposits in EUR „with agreed maturity“
2.a.Up to 1 year 0,308
2.b.Over 1 to 2 years1,913
2.c.Over 2 years1,295
3.Deposits in foreign currency „with agreed maturity“ 0,451
Average of all deposits (1.a. + 1.b. + 1.c. + 2.a. + 2.b. +2.c. + 3) / 70,80

 

The average of interest rates to retail deposits, as of 31.03.2020, is 0,80%.

The average of interest rates to retail deposits, taken as of 31.03.2020, will be used as variable part of interest rate for all contracts agreed between 12.05.2020 and 12.05.2021.

Intesa Sanpaolo Banka d.d. Bosna i Hercegovina