Interest Rate Table for Individuals (pursuing no business activity)

Transcription

1 Interest Rate Table for Individuals (pursuing no business activity) dated 25th February, 2015 under KRS no. 6421, VAT PL: (NIP), holding paid-up share capital of PLN ,90

2 Table of Contents Part I Accounts 3 Chapter I Personal accounts 3 Chapter II Savings accounts 3 Chapter III Other accounts 3 Part II Term deposits 4 Chapter I SilnaLokata (Solid Deposit) in PLN 4 Chapter II ExtraZysk (Extra Profit) Deposit in PLN 4 Chapter III Lokata Bazowa (Basic Deposit) in PLN 4 Chapter IV E-Deposit in PLN 4 Chapter V e-komfort Deposit in PLN 5 Chapter VI Rentier Deposits in PLN 5 Chapter VII Standard Term Deposits in PLN 5 Chapter VIII Standard Term Deposits in EUR and USD 5 Chapter IX Lokata Nocna (Overnight) Deposit in PLN 6 Part III Loans 7 Chapter I Overdraft facility, cash loans and car loans 7 Chapter II Mortgage loans and home equity loans 7 Part IV Credit cards 7 Part V Products withdrawn from the offering 8 Chapter I Accounts 8 Chapter II Term deposits 8 Chapter III Loans 13 Chapter IV Credit cards 14 2/

3 Part I Accounts Interest rate on accounts per annum, variable interest rate. Chapter I Personal Accounts Account Interest Rate Personal accounts for private individuals 1. Konto Dobrze Dobrane 0.00% 2. Personal Account in PLN maintained within the Private Banking Business Line 0.00% Chapter II Account Savings accounts Interest Rate for accounts opened until Aug 27 th 2014: 2,25% until Nov 4 th % from Nov 5 th 2014 until Dec 21 st % from Dec 22 nd Konto Dobrze oszczędnościowe w PLN for accounts opened from Aug 28 th 2014 until Oct 9 th 2014: 2.00% until Dec 21 st % from Dec 22 nd 2014 for accounts opened from Oct 10 th % 4. Sejf (Safe) Savings Account in PLN 1,50% 5. Euro Sejf (Euro Safe) Savings Account in EUR 6. IKE Savings Account in PLN (Individual Retirement Savings Account) for accounts opened until Aug 27 th 2014: 0,10% until Nov 4 th ,01% from Nov 5 th 2014 for accounts opened from Aug 28 th 2014: 0,01% The WIBOR 3M rate announced on the current business day Chapter III Account Other accounts Interest Rate 7. Foreign Currency Account 0.00% 8. Account for PKZP (Employees Loan and Benefit Fund) in PLN 0.00% 9. Account for Parents Council in PLN 0.00% 10. Account for SKO (School Savings Fund) in PLN 0.00% 11. Escrow Account in PLN 0.25% 12. Escrow Account in EUR 0.00% 13. Escrow Account in USD 0.00% 14. Trust Account in PLN 0.25% 15. Trust Account in EUR 0.00% 16. Trust Account in USD 0.00% 17. Stock Investor Account in PLN 18. Rachunek Portfelowy w PLN from PLN 0.00 to 9, % PLN 10,000 and above % 0,8* WIBID ON (stawka ogłoszona bieżącego dnia roboczego) 3/

4 Part II Term deposits Interest rate on term deposits per annum. Chapter I SilnaLokata (Solid Deposit) in PLN minimum deposit amount PLN 15, months 1.80%* * If the deposit is automatically renewed for the subsequent six month period, the interest rate will be the same as the interest rate of the ExtraZysk (Extra Profit) Deposit in PLN for 6 months, binding on the 'SilnaLokata' (Solid Deposit) renewal date Chapter II ExtraZysk Deposit in PLN minimum deposit amount PLN 1, c 3 months 1.30% 21. c 6 months 1.30% 22. c 12 months 1.80% 23. c 18 months 1.80% Chapter III month Lokata Bazowa (Basic Deposit) in PLN minimum deposit amount PLN 1, %* * the deposit is not available for sale months months Chapter IV E-Deposit in PLN 1.50%* * the deposit is not available for sale 1.50%* * the deposit is not available for sale minimum deposit amount PLN 2, c 7 days 1.45% 28. c 14 days 1.60% 29. c 1 month 1.90% 30. c 3 months 2.00% Chapter V e-komfort Deposit in PLN minimum deposit amount PLN 1, months 2.00% months 1.80% Chapter VI Rentier Deposits in PLN Investor Plus Deposit minimum deposit amount PLN 1,000 4/

5 1st 6-month term 1.75% 33. c 24 months 2nd 6-month term 1.75% 3rd 6-month term 1.75% 4th 6-month term 1.75% Investor Extra Deposit months 4 minimum deposit amount PLN 1,000 1st 3-month term 2.00% 2nd 3-month term 2.00% 3rd 3-month term 2.00% 4th 3-month term 2.00% Chapter VII Standard Term Deposits in PLN From PLN 5,000 to PLN 35,000 Above PLN 35, c 14 days 1.30% 1.40% 36. c 21 days 1.40% 1.50% 37. c 1 month 1.50% 1.60% 38. c 2 months 1.50% 1.60% 39. c 3 months 1.60% 1.70% 40. c 6 months 1.70% 1.80% 41. c 9 months 1.70% 1.80% 42. c 12 months 1.70% 1.80% Chapter VIII Standard Term Deposits in EUR and USD Deposits in EUR From EUR 500 up to EUR 10,000 Above EUR 10, c 3 months 0.03% 0.08% 44. c 6 months 0.08% 0.10% 45. c 12 months 0.10% 0.15% 46. c 36 months 0.30% 0.50% Deposits in USD From USD 500 up to USD 10,000 Above USD 10, c 3 months 0.15% 0.20% 48. c 6 months 0.20% 0.30% 49. c 12 months 0.40% 0.50% 50. c 36 months 0.75% 1.00% Chapter IX Lokata Nocna (Overnight) Deposit in PLN Interest rate 51. c Overnight Deposit, renewed automatically WIBID ON at closing day reduced by the margin of 2 percentage points; minimum interest rate 0.80%, maximum 2.00% 5/

6 Part III Loans Loan interest rate per annum; for items no. 52, 53 and 54: fixed interest rate; for other items: variable interest rate Chapter I Overdraft Facility 52. c Flexible Car Loan for individual needs 53. Overdraft facility, cash loans and car loans Car Loan for the purchase of a vehicle from an authorised car dealer, Car Loan with a grace period for the purchase of a vehicle from an authorised car dealer. Interest rate from 8.90% up to the maximum interest level as specified in the Civil Code Act 1 from 6.99% 54. Classic/Extra Cash Loan 2 from 8.90% Overdraft facility in a Savings and Checking Account (ROR) in the S Package and M Package Overdraft facility in a Savings and Checking Account (ROR) in the L Package and XL Package Overdraft facility within Konto Dobrze Dobrane /Well Suited Account/ checking (ROR) account - standard variant Overdraft facility within Konto Dobrze Dobrane /Well Suited Account/ checking (ROR) account - monthly fee variant 0.00% Chapter II Overdraft Facility 59. c Housing Loan 60. Home Equity Loan Mortgage loans and home equity loans Interest rate WIBOR 3M 3 + Bank margin Part IV Credit cards Credit cards interest rate per annum. Variable interest rate. Credit card MasterCard Classic credit card issued until November 2012 (applicable also to renewed cards as well as VISA cards renewed as MasterCard if the first card was issued until that date) MasterCard Classic credit card issued from c November 2012 (applicable also to renewed cards if the first card was issued from that date) MasterCard Classic credit card special offer (for Bank 63. customers who were issued the cards under special sales actions or on the basis of a Car Loan and Credit Card Interest rate per annum Non-cash transactions Cash transactions 1 The Civil Code Act dated 23 April 1964 (Journal of Laws of 1964 no. 16, item 93 as amended). 2 Classic Cash Loan, Extra Cash Loan offered by the Bank from 8 November The rate level and rules for the rate updating are specified in the Regulations on Credit Products for Individual Customers. The Bank s margin is established for each Customer individually and depends on transaction terms and conditions, e.g. product type, loan/credit facility amount, value of the real property which constitutes loan collateral, products and banking services held or used by the Customer. The Bank margin defined as provided in item 7 above shall be increased by 1 p.p. in the event the Loan or its tranches is (are) disbursed/drawn down before the Borrower s down payment is made in full amount. The increased margin shall remain in force until the down payment full amount is made. The Bank margin, defined as provided in item 7 above, shall be increased by 0.9 p.p. until the Bank is provided with a valid copy/copies of the land and mortgage register of the real property offered as the Loan collateral in order to confirm that the legally valid entry of the first-rank mortgages have been made in favour of the Bank. 6/

7 Agreement, or Cash Loan and Credit Card Agreement, or Credit Facility and Credit Card Agreement) MasterCard Sport MasterCard Gold credit card issued until 1 November 2012 (applicable also to renewed cards as well as VISA cards renewed as MasterCard if the first card was issued until that date) MasterCard Gold credit card issued from 2 November 2012 (applicable also to renewed cards if the first card was issued from that date) MasterCard Gold Credit Card special offer (for Bank customers who were issued the cards under special sales actions) 67. MasterCard BNP Paribas World Signia Credit Card MasterCard Duo Credit Card Part V Part I Products withdrawn from the offering Accounts Interest rate on accounts per annum, variable interest rate. Account Interest rate 69. Personal Account in PLN in the S Package 0.00% 70. Personal Account in PLN in the M Package % 71. Personal Account in PLN in the L Package % 72. Personal Account in PLN in the XL Package % 73. Konto WIĘCEJ oszczędnościowe in PLN (MORE Savings Account) 74. Konto BARDZO oszczędnościowe in PLN (VERY Savings Account) 75. Savings Account in PLN 2.25% until Nov 4 th % from Nov 5 th 2014 until Dec 21 st % from Dec 22 nd % until Nov 4 th % from Nov 5 th 2014 until Dec 21 st % from Dec 22 nd % until Nov 4 th % from Nov 5 th 2014 until Dec 21 st % from Dec 22 nd Non-resident Account in EUR and USD 0,00% Part II Term deposits Interest rate on term deposits per annum. Standard term deposits opened with Dominet Bank SA before the date of its legal merger with Fortis Bank Polska SA (current name: BNP Paribas Bank Polska SA). Deposit in PLN From PLN 2,500 to 9, Above PLN 10,000 7 The card is available only to Private Banking customers who signed a "Framework Agreement on Providing Private Banking Services" and also is available to Prestige customers. 8 It refers to customers who use the Komfort or Komfort Finansista Packages which have been renamed into the 'M Package.' Also refers to customers who signed agreements regarding Autokonto Accounts with Dominet Bank S.A. before the day of its legal merger with Fortis Bank SA (current name: BNP Paribas Bank Polska SA) if their account has been then incorporated into the Komfort Package. 9 It refers to customers who use the Gold Package which has been renamed into the L Package. 10 It refers to customers who use the Platinum Package which has been renamed into the XL Package. 7/

8 77. 7 days % 78. c 14 days % 79. c 21 days % 80. c 1 month 1.00% 1.00% 81. c 3 months 1.00% 1.00% 82. c 6 months 1.00% 1.00% Interest rate (variable interest rate) From PLN 2,500 to 9, Above PLN 10,000 3 months 1.00% 1.00% 6 months 1.00% 1.00 % 12 months 1.00% 1.00% Deposit in EUR Interest rate (variable interest rate) 3 months 0.05% 6 months 0.10% 12 months 0.20% 24 months 0.40% 36 months 0.60% Deposit in USD Interest rate (variable interest rate) months 0.10% months 0.15% months 0.40% 86. c 24 months 0.45% 87. c 36 months 0.50% ExtraZysk (Extra Profit) Deposit in PLN 88. c 4 months 1.00% Po Prostu (Simple) Deposit in PLN 89. c 4 months 1.00% European Deposit in PLN 90. c 5 months 1.00% Investor Deposit minimum deposit amount PLN 5,000 1st 3-month term 1.00% 91. c 12 months 2nd 3-month term 1.00% 3rd 3-month term 1.00% Mocna Lokata (Strong Deposit) 4th 3-month term 1.00% 8/

9 minimum deposit amount PLN 1, months 1st 3-month term 1.00% 2nd 3-month term 1.00% 6/3 Deposit in PLN months 6.00%* * Interest rate in the first three-month deposit term. * If the deposit is automatically renewed for the subsequent three month period, the interest rate will be the same as the interest rate of the ExtraZysk (ExtraProfit) Deposit in PLN for 3 months, binding on the 6/3 Deposit renewal date 6/3 Plus Deposit in PLN months 5.50%* * Interest rate in the first three-month deposit term. * If the deposit is automatically renewed for the subsequent three-month period, the interest rate will be the same as the interest rate of the Lokata Bazowa (Basic Deposit) in PLN for 3 months, binding on the 6/3 Plus Deposit renewal date 6/6 Deposit in PLN months 6.00%* * Interest rate in the first six-month deposit term. * If the deposit is automatically renewed for the subsequent six month period, the interest rate will be the same as the interest rate of the ExtraZysk (ExtraProfit) Deposit in PLN for 6 months, binding on the 6/6 Deposit renewal date 6/6 Plus Deposit in PLN months 6.00%* * Interest rate in the first six-month deposit term. * If the deposit is automatically renewed for the subsequent six month period, the interest rate will be the same as the interest rate of the Lokata Bazowa (Basic Deposit) in PLN for 6 months, binding on the 6/6 Plus Deposit renewal date SuperZysk (Super Profit) Deposit in PLN months 7.00%* * Interest rate in the first three-month deposit term. * If the deposit is automatically renewed for the subsequent three month period, the interest rate will be the same as the interest rate of the ExtraZysk (ExtraProfit) Deposit in PLN for 3 months, binding on the SuperZysk (Super Profit) Deposit renewal date Promotional Deposit in PLN Interest rate (fixed interest rate) months 1.00% months 1.00% Szmaragdowa (Emerald) Deposit in PLN months 1.00% 9/

10 Prezydencka (Presidential) Deposit in PLN months 1.00% months 1.00% months 1.00% Dominanta Forte Deposit in PLN 104. c 1 month 1.00% months 1.00% 106. c 6 months 1.00% months 1.00% Interest rate (variable interest rate) 3 months 1.00% 6 months 1.00% 12 months 1.00% 10/

11 Fortis Term Deposits deposit in PLN deposit in EUR deposit in USD months 1.30% 0.03% 0.10% in PLN Interest rate (variable interest rate) From PLN 5,000 to PLN 35,000 Above PLN 35, days 1.00 % 1.00 % 21 days 1.00 % 1.00 % 1 month 1.00 % 1.00 % 2 months 1.00 % 1.00 % 3 months 1.00 % 1.00 % 4 months 1.00 % 1.00 % 6 months 1.00 % 1.00 % 12 months 1.00 % 1.00 % Standard Term Deposits opened before 11 June 2001 at BNP Paribas Bank Polska SA Deposit in PLN 109. c 14 days 1.30% 110. c 21 days 1.40% 111. c 1 month 1.50% 112. c 2 months 1.50% 113. c 3 months 1.60% 114. c 6 months 1.70% 115. c 9 months 1.70% 116. c 12 months 1.70% Interest rate (variable interest rate) 14 days 1.00% 21 days 1.00% 1 month 1.00% 2 months 1.00% 3 months 1.00% 4 months 1.00% 6 months 1.00% 12 months 1.00% Deposit in EUR 117. c 3 months 0.03% 118. c 6 months 0.08% 119. c 12 months 0.10% months 0.10% 121. c 36 months 0.30% 11/

12 Deposit in USD 122. c 3 months 0.15% 123. c 6 months 0.20% 124. c 12 months 0.40% months 0.60% 126. c 36 months 0.75% Part III Loans Interest rate on loans per annum, variable interest rate. Overdraft Facility Interest rate 127. Authorised debit limit 11.50% + margin 128. Authorised Debit Balance 129. NA TAK (Just Say Yes) Cash Loan Overdraft facility in a Savings and Checking Account (ROR) in the S Package and M Package granted before 28 May 2012 Overdraft facility in a Savings and Checking Account (ROR) in the L Package and XL Package granted before 28 May 2012 from 8.90% 11.50% + margin NA TAK (Just Say Yes) Cash Loan for external networks 133. GOTÓWKA NA OKRĄGŁO Loan (Round-the-Clock Cash) 134. EKSTRA GOTÓWKA (Super Cash) Loan 135. Consolidation Loan from 8.90% from 8.90% from 8.90% 136. DOWOLNY CEL (Any Purpose) Cash Loan WIBOR 6M 12 + margin 137. VIP PROFESJONALISTA (VIP Professional) Loan from 12.99% 138. VIP FINANSISTA (VIP Financier) Loan Part IV Credit cards Credit cards interest rate per annum. Variable interest rate. Credit card Interest rate per annum Classic Credit Card issued until 29 May 2011: VISA Foto Classic Credit Cards: VISA Glamour, VISA Dentonet issued until 11 September 2012, VISA Classic issued until 1 November 2012 Standard Credit Cards issued until 11 September 2011: VISA / MasterCard Standard 11 It refers to customers who use the Sukces (Success) Package which has been renamed into the L Package 12 Rules for updating the rate are specified in the Regulations of Credit Products for Individual Customers. 12/

13 VISA Gold Credit Card issued until 1 November 2012 VISA Platinum Credit Card issued until 1 November 2012 Maximum loan and credit card interest rates determined in this Interest rate table for individuals (pursuing no business activity) in no case can be higher than the rates specified in the Civil Code Act dated 23 April 1964 (Journal of Laws of 1964, no. 16, item 93 as amended) and shall be decreased to this level if the decrease of the NBP lombard loan rate results in exceeding the interest level specified in the Civil Code Act dated 23 April 1964 (Journal of Laws of 1964, no. 16, item 93 as amended). The Bank reserves the right to request interest on the past-due debt arising from the Overdraft Loan in the amount of maximum statutory interest as stipulated in the Civil Code Act dated 23 April 1964 (Journal of Laws of 1964, No. 16, item 93, as amended). 13/