Tel.: (4012) 573 900
Fax: (4012) 951 222

39, Kutuzova St.
Kaliningrad

e-mail: bank@icbe.ru
http://www.icbe.ru

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Term deposits

EVROPEISKY Bank invites its clients to deposit their uncommitted funds in order to receive additional minimal-risk income from every rouble. The conditions of such deposits are maximally adapted to clients' needs and allow for various ways of depositing and prematurely withdrawing funds.  

These are:

  • Classical fixed-term account,
  • Universal fixed-term account,
  • Optimal fixed-term account.

 

Basic interest rates for RUR deposits 

Term of deposits, days

Deposits

from 300,000.00 to 4,999,000.00 roubles

from 5,000,000.00 to 9,999,000.00 roubles

from 10,000,000.00 to 49,999,000.00 roubles 

from 50,000,000.00 roubles

  Amounts deposited

1,0

1,0

1,0

1,0

31-90

4,9

5,2

5,5

5,8

91-130

6,4

6,7

7,0

7,3

131-180

7,4

7,7

8,0

8,3

181-270

7,9

8,2

8,5

8,8

271-365

8,4

8,7

9,0

9,3

366-730

8,9

9,2

9,5

9,8

731 and more

9,1

9,4

9,7

10,0

 

 Basic interest rates for USD deposits 

Term of deposits, days

Deposits

from 10,000.00 to 199,000.00 USD

from 200,000.00 to 299,000.00 USD

from 300,000.00 to 1,699,000.00 USD

from 1,700,000.00 USD

Amounts deposited

0,5

0,5

0,5

0,5

31-90

2,9

3,2

3,5

3,8

91-130

4,4

4,7

5,0

5,3

131-180

5,4

5,7

6,0

6,3

181-270

5,9

6,2

6,5

6,8

271-365

6,4

6,7

7,0

7,3

366-730

6,9

7,2

7,5

7,8

731 and more

7,1

7,4

7,7

8,0

 

Basic interest rates for EUR deposits

Term of deposits, days

Deposits

from 10,000.00 to 199,000.00 EUR

from 200,000.00 to 299,000.00 EUR

from 300,000.00 to 1,699,000.00 EUR

from 1,700,000.00 EUR

Amounts deposited

0,5

0,5

0,5

0,5

31-90

1,9

2,2

2,5

2,8

91-130

3,4

3,7

4,0

4,3

131-180

4,4

4,7

5,0

5,3

181-270

4,9

5,2

5,5

5,8

271-365

5,4

5,7

6,0

6,3

366-730

5,9

6,2

6,5

6,8

731 and more

6,1

6,4

6,7

7,0

 

Types of account:

Term

Classical fixed-term account

Universal fixed-term account

Optimal fixed-term account

Rate

Basic rate

 

0.8 of the basic rate

Basic rate; term of 181 days or more

 

Possibility of premature termination

Not permitted

Permitted. In this case amounts of interest are recalculated according to the on-demand rates

Permitted. In this case the amounts of interest are recalculated depending on the time of termination (see the Table of Coefficients)

Extension of agreements

Possible (See procedure for making additional deposits)

Possible (See procedure for making additional deposits)

Possible (See procedure for making additional deposits)

Interest payment

Monthly

Monthly

Monthly

 

 Coefficients for recalculating the rate when Optimal deposit agreements are terminated prematurely

Time of termination

Rate

First quarter of the term

On-demand rate

Second quarter of the term

Basic rate*0.25

Third quarter of the term

Basic rate*0,5

Fourth quarter of the term but no later than 7 days before its end

Basic rate*0,75

Last week of the term

Basic rate

 

 Procedure for making additional deposits

 The bank allows additional deposits to be made into Classical, Universal and Optimal fixed-term accounts whose terms are 181 days or more. The procedure is:

 

Term of the deposit agreement

Additional deposits may be made within the following period from the date the account is opened:

from 131 to 180 days

30 calendar days

from 181 to 365 days

90 calendar days

from 366 to 730 days

270 calendar days

 

In the event of an urgent need for money, when the client has a deposit with the bank, the bank may always issue a loan or a bank guarantee using the deposit as collateral. In this way a client not only receives income but also makes payments without making withdrawals from the deposit, thus making the business more dynamic and efficient.

Clients whose operations through their accounts with the bank total a considerable amount may request terms which are more advantageous than the regular ones.

 

 
Cash and account services in roubles and foreign currencies
Business lending
Term deposits
Managed fund investments
Payroll solutions
POS and merchant facilities
Internet banking
Superannuation

© CLOSED JOINT STOCK COMPANY INVESTMENT-COMMERCIAL BANK EVROPEISKIY 2006