|
|
Funds Investments:
Interest Rates for Russian Ruble Deposits
of Individuals
APPROVED BY Order No. 24 of 05 May 2011
issued by Joint-Stock Commercial Bank EIB CJSC
Effective from 06 May 2011
Deposits at call
1. Unlimited term of deposit.
2. Interest rate on deposit is equal to 0.1%.
3. Additional contributions allowed.
4. Depositor has the right to withdraw all or any part of the amount available on the deposit account.
5. Interest is payable on the last business day of each calendar month and on the date of closing the deposit account.
Interest accrued on deposit is capitalised (is added to the amount of deposit).
B. FIXED-TERM DEPOSITS
General conditions for fixed-term deposits:
1. Deposit shall be opened in the currency of the Russian Federation.
2. Interest is payable on the last business day of each calendar month and on the date of expiry of the initial (extended) term of deposit.
Interest accrued on deposit is capitalised (is added to the amount of deposit).
3. If the deposit is not called within the established term, the deposit agreement is deemed to be extended for another equal term on conditions and at interest rate existing in the Bank for this type of deposit as of the date of expiry of the preceding term.
4. In the event of an early call of deposit by Depositor (or his/her Representative), the amount of interest shall be adjusted using the procedure defined in deposit agreement for the given type of deposit.
5. If additional contributions to deposit are allowed, such contributions can be added at any time at least 30 days before expiry of the term of deposit.
6. For Russian Ruble deposits of individuals, the following individual income tax shall be levied on any amount of interest payable by the Bank in excess of the Bank of Russia refinancing rate increased by five percentage points, over the period for which the Bank accrued such interest: 35% for tax residents and 30% for non-residents of the Russian Federation.
Special conditions and interest rates for fixed-term deposits:
Deposit Obychniy (Usual)
No additional contributions allowed.
| Amount of deposit, Rubles |
Term of deposit |
| 30 days |
60 days |
90 days |
180 days |
1 year |
2 years |
| 5 000,00 to 14 999,99 |
3% |
3,5% |
4% |
6% |
8% |
8,5% |
| 15 000,00 to 29 999,99 |
3,5% |
4% |
4,5% |
6,5% |
9% |
9,2% |
| 30 000,00 to 59 999,99 |
4% |
4,5% |
5% |
7% |
9,1% |
9,4% |
| 60 000,00 or more |
4,5% |
5% |
5,5% |
8% |
9,3% |
9,5% |
|
Deposit Lvinaya Dolya (Lion's Share)
Additional contributions allowed.
Minimum allowable amount of additional contribution to deposit is 50 000 Rubles.
| Amount of deposit, Rubles |
Term of deposit |
| 90 days |
180 days |
1 year |
2 years |
| From 600 000,00 |
6,5% |
7% |
9,5% |
9,6% |
| From 900 000,00 |
7% |
7,5% |
9,6% |
9,7% |
| From 1 500 000,00 |
7,5% |
8,5% |
9,7% |
9,8% |
|
Special conditions:
Those Bank clients who made deposit agreements for deposit Lvinaya Dolya for the term of 1 year or 2 years, may extend their deposit agreements, upon expiry of the initial term, with account of a higher interest rate (0.3% are added to the annual interest rate that existed in the Bank for the given type of deposit as of the date of expiry of the preceding term).
Deposit Udobniy (Convenient)
Additional contributions allowed.
After each debit transaction made by Depositor with his/her Deposit, the resulting balance shall not be lower than the minimum allowable amount of balance. In the event if Depositor breached the requirement for the minimum allowable amount of his/her deposit balance, the deposit agreement shall be terminated and the amount of deposit shall be returned to Depositor, while interest shall be payable at the rate existing in the Bank for at-call deposits.
Minimum allowable amount
of balance, Rubles |
Minimum allowable amount
of additional contribution
to deposit, Rubles |
Term of deposit |
| 90 days |
180 days |
1 year |
2 years |
| 30 000,00 |
5 000,00 |
5% |
7% |
7,5% |
8% |
| 100 000,00 |
15 000,00 |
5,5% |
8% |
8,5% |
9% |
| 500 000,00 |
20 000,00 |
6% |
8,5% |
9% |
9,5% |
|
Deposit Pensionniy (For Pensioners)
Additional contributions allowed: minimum allowable amount of additional contribution to deposit is 3 000 Rubles.
Special conditions:
- To open this deposit, potential Depositor shall produce his/her Pensioner ID card or Labour/War Veteran ID card.
**In the event of an early call of deposit by Depositor (or his/her Representative), the amount of interest accrued shall be adjusted based on the actual duration of period where money was available on Deposit account and the interest rate existing for such period as detailed in the Table below:
Interest rate (annual) on Deposit vs. actual duration of period where money was available on
Deposit account |
| Up to 90 days |
91 day to 180 days |
181 day to 1 year |
More than 1 year |
| Interest rate is equal to that of at-call deposits existing in the Bank as of the date of Deposit call |
Interest rate is equal to 1/3 of the rate existing in the Bank as of the date of opening (renewal) of Deposit |
Interest rate is equal to 1/2 of the rate existing in the Bank as of the date of opening (renewal) of Deposit |
Interest rate is equal to 2/3 of the rate existing in the Bank as of the date of opening (renewal) of Deposit |
| Amount of deposit (Rubles) / Term of deposit |
60 days |
90 days |
180 days |
1 year |
2 years |
| 10 000 to 100 000 |
5,5% |
6% |
6,5% |
9,3% |
9,4% |
| More than 100 000 |
6% |
6,6% |
7,2% |
9,4% |
9,6% |
|
Deposit Pobeditel (Winner)
This deposit can be opened during the period from 06 May 2011 till 31 May 2011 (inclusive).
Additional contributions allowed: minimum allowable amount of additional contribution to deposit is 50 000 Rubles.
| Amount of deposit, Rubles |
Term of deposit |
| 1 year |
2 years |
| From 100 000,00 |
9,5% |
9,6% |
| If Depositor produces his/her War Veteran/Participant ID card: |
9,85% |
9,95% |
|
Interest Rates for Foreign-Currency Deposits
Effective from 15 March 2011
DEPOSITS AT CALL
1. Unlimited term of deposit.
2. Additional contributions allowed.
3. Depositor has the right to withdraw all or any part of the amount available on the deposit account.
4. Interest is payable on the last business day of each calendar month and on the date of closing the deposit account.
Interest accrued on deposit is capitalised (is added to the amount of deposit).
| Currency of deposit |
Annual interest rate |
| USD |
0,1% |
| Euro |
0,1% |
|
FIXED-TERM DEPOSITS
1. Deposit can be opened in USD or in Euro.
2. Interest is payable on the last business day of each calendar month and on the date of expiry of the initial (extended) term of deposit.
Interest accrued on deposit is capitalised (is added to the amount of deposit).
3. Additional contributions allowed.
Minimum allowable amount of additional contribution to deposit:
- USD: 500 US$.
- Euro: 500 ˆ;
4. If the deposit is not called within the established term, the deposit agreement is deemed to be extended for another equal term on conditions and at interest rate existing in the Bank for this type of deposit as of the date of expiry of the preceding term.
5. For foreign-currency deposits of individuals, the following individual income tax shall be levied on any amount of interest payable by the Bank in excess of the annual interest rate of 9% over the period for which the Bank accrued such interest:
35% for tax residents and 30% for non-residents of the Russian Federation.
Interest rates:
USD
| Deposit Standartniy plus* (Standard plus) |
| Amount / Term |
90 days |
180 days |
1 year |
2 years |
| 500.00 to 9 999.99 |
4,0% |
4,5% |
4,75% |
5% |
| From 10 000.00 |
4,5% |
4,75% |
5,0% |
5,25% |
| Deposit Osobiy plus** (Special plus) |
| 100 000.00 or more |
— |
5,0% |
5,15% |
5,5% |
|
Euro
| Deposit Standartniy plus* (Standard plus) |
| Amount / Term |
90 days |
180 days |
1 year |
2 years |
| 500.00 to 9 999.99 |
3,5% |
4,0% |
4,25% |
4,5% |
| From 10 000.00 |
4,0% |
4,5% |
4,75% |
5% |
| Deposit Osobiy plus** (Special plus) |
| 100 000.00 or more |
— |
4,75% |
4,8% |
5,1% |
|
*In the event of an early call of deposit Standartniy plus by Depositor (or his/her Representative), interest shall be paid at the at-call rate existing as of the date of early termination of Deposit Agreement using the procedure defined in Deposit Agreement.
**In the event of an early call of deposit Osobiy plus by Depositor (or his/her Representative), the amount of interest accrued shall be adjusted based on the actual duration of period where money was available on Deposit account and the interest rate existing for such period as detailed in the Table below:
| Currency |
Interest rate (annual) on Deposit vs. actual duration
of period where money was available on Deposit account |
| Up to 90 days |
91 days to 180 days |
181 day to 270 days |
271 day to 1 year |
More than 1 year |
| Euro (USD) |
Interest rate is equal to that of at-call deposits existing in the Bank as of the date of Deposit call |
Interest rate is equal to 1/3 of the rate existing in the Bank as of the date of opening (renewal) of Deposit |
Interest rate is equal to 1/2 of the rate existing in the Bank as of the date of opening (renewal) of Deposit |
Interest rate is equal to 2/3 of the rate existing in the Bank as of the date of opening (renewal) of Deposit |
Interest rate is equal to 3/4 of the rate existing in the Bank as of the date of opening (renewal) of Deposit |
|
|
