TABLE OF DEPOSITS INTEREST RATES EUROBANK ERGASIAS

EUROBANK ERGASIAS S.A.
VALID FROM 11.04.2016
TABLE OF DEPOSITS INTEREST RATES
DEPOSITS IN EURO OFFERED BY EUROBANK NETWORK
AMOUNT
INTEREST RATES
A.A.T.R.(*)
INTEREST LIQUIDATION
MEGA SAVINGS ACCOUNT (Statement/Passbook)
For accounts opened since 02/01/2016, up until 31/12/2016 the account rate is as follows:
(flat interest rate)
irrespectively of amount
0,50%
0,425%
Semiannually
a.For accounts opened since 27/6/2011, up until 31/12/2015 the account rate will be as follows:
b.For accounts opened before 27/6/2011 and have requested the alteration of the account rate:
(floating interest rate)
0,01
ABPY *
ABPY *
and above
up to
0,02%
0,50%
0,017%
0,425%
Semiannually
* ABPY: The Average Balance of the Previous Year is calculated at the end of each calendar year in accordance to the terms of the Account Opening
Agreement/Agreement on the Change of the Account Rate.
For accounts opened before 27/6/2011:
(flat interest rate)
irrespectively of amount
0,02%
LIVE ACCOUNT (e-statement)
0,017%
Semiannually
0,213%
0,768%
Monthly
0,009%
0,009%
0,026%
Semiannually
(tiered interest rate)
0,01
3.000,00
up to
2.999,99
0,25%
and above
0,90%
CLASSIC SAVINGS ACCOUNT (Statement/Passbook)
(floating interest rate)
0,01
100.000,01
200.000,01
up to
100.000,00
0,01%
200.000,00
0,01%
and above
0,03%
PERSONAL BANKING ACCOUNT (Statement)
(tiered interest rate)
0,01
5.000,00
4.999,99
0,05%
0,043%
up to
and above
0,05%
0,043%
PERSONAL BANKING ACCOUNT for Personal Banking clients only (deposit/investment more than €60.000 )
Monthly
(Statement)
(tiered interest rate)
0,01
5.000,00
up to
4.999,99
0,05%
0,043%
and above
0,05%
0,043%
PERSONAL BANKING ACCOUNT with pension credited to the specific account
Monthly
(Statement)
(tiered interest rate)
0,01
5.000,01
up to
5.000,00
and above
0,75%
0,05%
0,639%
0,043%
Monthly
The rates apply for pension credited accounts. In case pension is not credited, Personal Banking Account without pension credited rates apply.
CURRENT ACCOUNT (Statement)
(floating interest rate)
0,01
100.000,01
up to
100.000,00
0,01%
and above
0,03%
SALARY/PENSION ACCOUNT (Statement/Passbook)
0,009%
0,026%
Semiannually
0,639%
0,043%
Semiannually
(floating interest rate)
0,01
5.000,01
up to
5.000,00
and above
0,75%
0,05%
The rates apply for pension credited accounts (except Personal Banking Account). In case pension is not credited, current account rates apply.
EUROPEAN SAVINGS ACCOUNT (Statement)
(tiered savings account)
0,01
60.000,01
up to
60.000,00
and above
0,00%
0,05%
0,000%
0,043%
Interest rates spread over the European Central Bank's rate (0,05% as of 10/09/2014)
PAGE 1 OF 4
Semiannually
EUROBANK ERGASIAS S.A.
VALID FROM 11.04.2016
TABLE OF DEPOSITS INTEREST RATES
DEPOSITS IN EURO OFFERED BY EUROBANK NETWORK
AMOUNT
INTEREST RATES
PROFESSIONAL ACCOUNT
DYNAMIC CURRENT ACCOUNT (Statement)
A.A.T.R.(*)
INTEREST LIQUIDATION
0,000%
0,043%
Monthly
0,000%
0,026%
Monthly
(tiered interest rate)
0,01
10.000,01
up to
10.000,00
0,00%
and above
0,05%
SIGHT ACCOUNT INDIVIDUALS (Statement)
(floating interest rate)
0,01
20.000,01
up to
20.000,00
0,00%
and above
0,03%
SIGHT ACCOUNTS LEGAL ENTITIES (Statement)
(floating interest rate)
0,01
up to
20.000,01
INTEREST CALCULATION START:
20.000,00
and above
0,00%
0,000%
Monthly
0,03%
0,026%
In an interest bearing account in € Savings/Current - same day
In an interest bearing Sight Account in € - One working day after the deposit or same
day in case of incoming payment
END OF INTEREST CALCULATION:
The day before cash withdrawal
DEBIT RATE:
10,6% (including contribution under Law N128/75)
INTEREST BASE CALCULATION
Number of year days: 365
Number of month days: 30/31
INTEREST LIQUIDATION DATE
12 interest periods per year: on the 1st working day of each month
2 interest periods per year: on 1/1 and 1/7 every year
Tiered interest rate: the interest rate applies to the entire amount of the deposit and varies depending on the amount.
Floating interest rate: the interest rate varies per segment of the deposit, resulting in the application of a different interest rate on the amount that
corresponds to each segment.
(*) The Annual Actual Total Return (A.A.T.R.) was calculated on the assumption that for one (1) year the amount of deposit and the rate will remain
unchanged and no six-month interest is withdrawn (one month in the case of products with monthly interest liquidation). As a result, A.A.T.R. arises after
taxation of interest at 15% and 6-month compounding (one month compounding in the case of accounts with monthly interest liquidation).
TIME DEPOSITS OFFERED BY EUROBANK BRANCHES
A. Interest base calculation : Year of 360 days
B. Interest rates: They depend on the product, amount, currency, and the duration of the time deposit as well as on whether the time deposit is opened
in branch or via e-Banking. They are determined on a daily basis and therefore they are communicated to the clients in person by a member of the
branch’s staff or via e-Banking for the time deposits opened through e-Banking channel. The interest rate applied in collateral time deposits is the
Euribor of the period in which the duration of the time deposit corresponds (e.g. For a 3month time deposit the 3month Euribor will apply)
C. Early redemption : Partial or total early redemption of the time deposit results in the loss of an amount that cannot exceed the total of interest
accrued until the day of the early redemption, and is calculated as follows:
a)European Time Deposit / Live Time Deposit: amount of early payment X 2% X days remaining until maturity/360 days
b)Step Up Time Deposit/Start Time Deposit /Time Deposit “For Your Benefit”/Time Deposit Life & Health / Time Deposit with Epistrofi /Time Deposit for
Pensionaires: Depending on the product, either the interest from the starting of the interest period during which the redemption is effected until the
actual redemption date or the interest of the X first interest periods of the deposit, and in case redemption is effected during these periods, the interest
from the starting of the deposit until the actual redemption date.
c) Add Deduct Time Deposit: has no penalty for early redemption. The minimum amount for partial early redemption is set at €5.000.
Υour right to withdraw funds prior to maturity is subject to all legal restrictions regarding capital controls.
D.Addition of Capital: concerns Start Time Deposit / TD Account For Your Benefit /Add Deduct Time Deposit
The maximum amount that can be added is equal to 30% of the Time Deposit’s initial* or current** capital (if smaller than the initial), with a minimum of
€5.000 per addition in case of the Start Time Deposit and a minimum of €1.000 (or multiples) in case of the TD Account “For Your Benefit” and the "Add
Deduct " Time Deposit.For the 6month TD Account "For Your Benefit": The maximum amount that can be added is €200.000, with a minimum of €5.000
per addition and a minimum of €1.000 (or multiples).
In case of adding or subtracting amounts, the interest rate and compounding periods agreed upon the beginning of the Time Deposit will remain
unchanged until the maturity. New interest will be calculated on the amount of the deposit that occurs after the addition or subtraction of amounts.
* Time Deposit’s Initial Capital : The capital in effect at the beginning of the Time Deposit
** Time Deposit’s Current Capital: The capital that occurs after the beginning of the Time Deposit and equals the sum of the initial capital plus all
amounts added minus all amounts deducted due to early redemption.
CREDIT INTEREST RATES ARE SUBJECT TO 15% TAXATION FEE
PAGE 2 OF 4
EUROBANK ERGASIAS S.A.
VALID FROM 11.04.2016
TABLE OF DEPOSITS INTEREST RATES
DEPOSITS IN EURO OFFERED BY NEW TT BRANCH NETWORK
AMOUNT
INTEREST RATES
A.A.T.R.(*)
REGULAR SAVING (Statement - Minimum initial deposit amount: €30)
irrespectively of amount
0,90%
0,768%
GROWING UP (Passbook - Minimum initial deposit amount: €50)
irrespectively of amount
0,50%
0,425%
18 PLUS (Statement - Minimum initial deposit amount: €50)
INTEREST LIQUIDATION
Monthly
Semiannually
(floating interest rate)
0,01
150.000,01
200.000,01
up to
150.000,00
0,20%
0,170%
200.000,00
0,25%
0,213%
and above
0,75%
0,639%
CLASSIC SAVINGS ACCOUNT for Individuals (Passbook)
SAVINGS ACCOUNT for Legal Entities (Passbook)
Semiannually
(floating interest rate)
0,01
100.000,01
200.000,01
up to
100.000,00
0,01%
200.000,00
0,01%
and above
0,03%
SAVINGS ACCOUNT PLUS (Passbook)
0,009%
0,009%
0,026%
Semiannually
0,009%
0,009%
0,026%
Semiannually
0,213%
0,768%
Monthly
0,009%
0,026%
Semiannually
1,065%
0,085%
0,043%
Semiannually
(floating interest rate)
0,01
100.000,01
150.000,01
up to
100.000,00
150.000,00
and above
0,01%
0,01%
0,03%
LIVE ACCOUNT (e-statement)
(tiered interest rate)
0,01
3.000,00
up to
2.999,99
and above
0,25%
0,90%
CURRENT ACCOUNT (Statement)
(floating interest rate)
0,01
100.000,01
up to
100.000,00
0,01%
and above
0,03%
PAYROLL PLUS (Statement/Passbook)
(floating interest rate)
0,01
1.000,01
5.000,01
up to
1.000,00
5.000,00
and above
1,25%
0,10%
0,05%
The rates apply for salary/pension credited accounts. In case salary/pension is not credited, current account rates apply.
SIGHT ACCOUNT (Statement)
(floating interest rate)
0,01
10.000,01
up to
10.000,00
and above
0,00%
0,03%
PAGE 3 OF 4
0,000%
0,026%
Semiannually
EUROBANK ERGASIAS S.A.
VALID FROM 11.04.2016
TABLE OF DEPOSITS INTEREST RATES
DEPOSITS IN EURO OFFERED BY NEW TT BRANCH NETWORK
INTEREST CALCULATION START:
In an interest bearing account in € Savings/Current - same day
In an interest bearing Sight Account in € - One working day after the deposit or same
day in case of incoming payment
END OF INTEREST CALCULATION:
The day before cash withdrawal
DEBIT RATE:
10,6% (including contribution under Law N128/75)
INTEREST BASE CALCULATION
INTEREST LIQUIDATION DATE
Number of year days: 365
12 interest periods per year: on the 1st working day of each month
Number of month days: 30/31
2 interest periods per year: on 1/1 and 1/7 every year
Tiered interest rate: The interest rate applies to the entire amount of the deposit and varies depending on the amount.
Floating interest rate: The interest rate varies per segment of the deposit, resulting in the application of a different interest rate on the amount that
corresponds to each segment.
(*) The Annual Actual Total Return (A.A.T.R.) was calculated on the assumption that for one (1) year the amount of deposit and the rate will remain
unchanged and no six-month interest is withdrawn (one month in the case of the deposit savings account "Regular Saving"). As a result, A.A.T.R. arises
after taxation of interest at 15% and 6-month compounding (one month compounding in the case of the deposit savings account "Regular Saving").
• Interest for the "Regular Saving" account is calculated every month at a preferential interest rate on condition that the mandatory monthly payment is
made and that no money is withdrawn over the course of that month, otherwise interest will not be calculated for the account for that specific month.
The mandatory monthly payment for the "Regular Saving" account may range from €30 up to €300.
• The maximum limit of the prize per draw for each beneficiary of the account «Growing Up» is €50.000.The maximum limit of the prize of October
annual draw is €500.000.
• Taxes shall be withheld from the prize of the draw for the accounts "Growing Up", "18 Plus" και "Regular Saving" according to the applicable laws, as
the case may be.
TIME DEPOSITS OFFERED BY NEW TT Branch Network
A. Interest base calculation : Year of 360 days
B. Interest rates: They depend on the product, amount, currency, and the duration of the time deposit. They are determined on a daily basis and
therefore they are communicated to the clients in person by a member of the branch’s staff. The interest rate applied in collateral time deposits is the
Euribor of the period in which the duration of the time deposit corresponds (e.g. For a 3month time deposit the 3month Euribor will apply).
C. Early redemption: Partial or total early redemption of the time deposit results in the loss of an amount that cannot exceed the total of interest
accrued until the day of the early redemption, and is calculated as follows:
a) Time Deposit for All: Amount of early payment Χ 2% Χ days remaining until maturity /360 days.
b) Time Deposit Going Up Extra, Going Up Plus, Life & Health, Time Deposit 18 Months, Time Deposit with Epistrofi and Time Deposit for Pensionaires:
The interest from the starting of the interest period during which the redemption is effected until the actual redemption date.
c) Add Deduct Time Deposit: has no penalty for early redemption. The minimum amount for partial early redemption is set at €5.000.
Υour right to withdraw funds prior to maturity is subject to all legal restrictions regarding capital controls.
D. Addition of Capital: concerns Time Deposit Going Up Plus, Time Deposit 18 Months and Add Deduct Time Deposit.
For Time Deposit Going Up Plus: The maximum amount that can be added is equal to 50% of the Time Deposit’s initial* or current** capital (if smaller
than the initial), with a minimum of €1.000 (or multiples) per addition. For Time Deposit 18 Months and Add Deduct Time Deposit: The maximum
amount that can be added is equal to 30% of the Time Deposit’s initial* or current** capital (if smaller than the initial), with a minimum of €1.000 (or
multiples) per addition.For the 6month Time Deposits "Going Up Plus": The maximum amount that can be added is €200.000,with a minimum of €5.000
per addition and a minimum of €1.000(or multiples).
In case of adding or subtracting amounts, the interest rate and compounding periods agreed upon the beginning of the Time Deposit will remain
unchanged until the maturity. New interest will be calculated on the amount of the deposit that occurs after the addition or subtraction of amounts.
* Time Deposit’s Initial Capital : The capital in effect at the beginning of the Time Deposit
** Time Deposit’s Current Capital: The capital that occurs after the beginning of the Time Deposit and equals the sum of the initial capital plus all
amounts added minus all amounts deducted due to early redemption.
CREDIT INTEREST RATES ARE SUBJECT TO 15% TAXATION FEE
PAGE 4 OF 4

Download Report