http___www.kombank.com_oroceni-devizni-depoziti-preduzetnika_1.xml
1.1 2.1 3.1 4.1 5.1 6.1 7.1 8.1 9.1 10.1 11.1 12.1 13.1 14.1 14.2 15.1 15.2 16.1 16.2 17.1 17.2 18.1 19.1 20.1 20.2 21.1 22.1 23.1 23.2 24.1 25.1 25.2 25.3 26.1 27.1 28.1 28.2 29.1 30.1
You too can become one of many satisfied clients of Komercijalna banka! Open the foreign currency account according to your needs and abilities! Komercijalna banka offers extremely favorable interest rates on foreign currency savings. The Bank will open the foreign currency account at your request, free of charge, in all Bank’s sub-branches, upon presentation of a valid personal identification document. As for the term of funds depositing, the foreign currency savings deposits can be as follows: - On demand deposits and - Term deposits The Bank has designed, for your needs, different models of time savings: - Time savings deposits placed under regular terms and conditions - Rental savings - ’’Cricket’’ savings The Bank manages the deposits received from the private individuals in the currency in which they were deposited, with no additional indexation. On Demand Savings If you want to dispose of your funds in foreign currency at any given moment, you should opt for demand savings. For this type of savings, you can deposit the following currencies: EUR, AUD, CAD, DKK, JPY, NOK, RUB, SEK, CHF, GBP, USD and CNY. In addition to personal deposits, the demand savings deposits can be credited by incoming payments both from abroad (loro remittances and foreign cheques) and from within the country (under the real estate purchase and sale contract, apartment rent, or office space, etc.). The Bank also opens demand accounts earmarked for receipt of foreign pension, payment cards’ transactions, securities trading, etc. The applicable nominal interest rate for foreign currency demand savings deposits are 0,15% for the currency EUR, 0,05% for the currency CHF while for all the rest of the currencies which the Bank receives for depositing, it is 0,10%. Effective interest rate on foreign currency savings deposits is applied in the amount of nominal interest rate reduced by 15% for capital gains tax which the Bank pays in the name and on behalf of the client at the time of interest accrual and the same are 0,13% for the currency EUR 0,05% for the currency CHF and 0,08% for all other currencies. On retail foreign currency savings deposits, the Bank shall calculate and accrue the interest in foreign currency at the end of the calendar year, by applying the compound interest calculation method. Interest rate is fixed. Representative example Time savings placed under regular terms and conditions You may deposit your FX funds as term savings in EUR, USD and GBP and fix the deposits to 1, 3, 6, 12, 24 and 36 months. Savings in CHF can be fixed to 1, 3, 6 and 12 months. For term-depositing of foreign currency, the Bank established the minimum amount of EUR 100 or counter-value in other currencies. The client, the holder of the term deposit, according to the terms indicated in the previous paragraph, is entitled to be informed by the Bank, 15 days prior to expiry of term depositing, about the term for which the Contract shall be extended and about any new interest rate; he/she is also entitled to terminate the Contract within 30 days from the date of receipt of such information at the latest, free of charge and with the interest accrued as agreed for the expired term period. Savings deposits that are term deposited, upon expiry of the initial term period, are automatically transferred to demand savings. Upon maturity date of the last deposit the savings account is automatically liquidated. In exceptional cases, the disbursement is possible even before the expiry of agreed term, with correction of interest, in line with the terms stipulated in such particular Contract. NOTE: The stated interest rates are expressed per annum. Effective interest rate (EIR) on foreign currency savings deposits is expressed in the amount of nominal interest rate reduced by 15% of the tax on income from capital gains which the Bank pays for and on behalf of the client at the time of interest accrual. On term foreign currency deposits the Bank applies a fixed interest rate, using compound method of calculation. Representative example Foreign Currency Savings Standing Order Komercijalna Banka appreciates your money and time and has, therefore, with the foreign currency, standing order enabled you to save or pay your liabilities without coming to the Bank! All you have to do is to choose the amount of money and the time when you want the Bank to make a transfer from your RSD or foreign currency current account to your foreign currency savings account. Minimum amount of a single foreign currency standing order is EUR 30. Standing order
1.1 2.1 3.1 4.1 5.1 6.1 7.1 8.1
Devizna sredstva možete oročiti u valutama EUR, USD, CHF i GBP. Minimalni iznos za oročenje je 3.000 EUR/ USD/CHF/GBP. Sredstva sa oročenog depozita se po isteku inicijalnog roka automatski prenose na devizni račun. Na pisani zahtev klijenta banka može odobriti prevremeno razoročenje depozita ali u tom slučaju neće se obračunavati ni plaćati kamata. Pregled nominalnih kamatnih stopa koje važe za depozite preduzetnika oročene od 01.03.2015. godine za valute EUR, USD, GBP i CHF: Efektivna kamatna stopa jednaka je nominalnoj kamatnoj stopi. Metod obračuna kamate je konformni. Reprezentativni primer: