RESOLUTION ON INTEREST POLICY FOR 2014
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1 Pursuant to Article 32 of the Statute of Čačanska banka a.d. Čačak, at the proposal of the Board of Directors of , the Shareholders Assembly at the 32 nd regular meeting held on passes the following I GENERAL PROVISIONS RESOLUTION ON INTEREST POLICY FOR This Decision shall stipulate principles under which the interest is negotiated, calculated, collected and paid in Čačanska banka a.d. Čačak (hereinafter: the Bank). 2. Interest rates shall be formed dependent on interest rates at the financial market, the NBS reference and discount rate, dinar rate trends, measures of current economic, monetary and fiscal policy, as well as the volume of deposit and credit activities of the Bank. 3. In the procedure of conducting deposit and credit operations the Bank applies a unique calculation and disclosure methodology of effective interest rate (hereinafter: EIR). 4. EIR shall be understood to mean interest rate calculated on annual basis by applying complex interest calculation compound interest calculation. By calculation specified in paragraph 1 of this section, discounted cash receipts are made equal to discounted cash payments of deposited funds, and/or granted loans. When calculating EIR on the loans that are approved against a deposit, cash funds of such deposit shall be included (deposit cash flows). 5. When discounting, i.e. adjusting all future cash receipts and payments under the loan contract, and/or the deposit contract to the current value a calendar month and a year of 365/366 days shall be applied. 6. EIR shall be presented in percentages with two decimal places, by rounding the second decimal, and shall be applied as of the calculation date. 7. The Bank shall be obliged to present the overall loan and deposit price through uniquely calculated EIR in compliance with the NBS regulations, and display such EIR clearly in its premises and commercials in media, when promoting and offering its services to potential clients. II ACTIVE INTEREST RATES 1. The Bank shall negotiate, calculate and collect interest on granted dinar and foreign-exchange
2 loans and other receivables in compliance with the Decision on Interest Rates passed by the Executive Board of the Bank. 2. Interest on granted dinar loans and other receivables shall be calculated and collected in dinars. 3. Interest on granted foreign-exchange loans and other foreign-exchange receivables shall be calculated and collected in appropriate foreign currency, and/or by the agreed method. 4. Interest on granted dinar loans with index clause and other dinar receivables with index clause, will be calculated in foreign currency and collected in dinar equivalent on the agreed foreignexchange rate. 5. The Bank will calculate and collect interest defined by the Decision on Interest Rates on overdue receivables from domestic and foreign private persons and legal entities against documentary operations that have become a liability of the Bank. 6. The Bank will generally negotiate real positive interest rates for loans. 7. When calculating interest, the Bank may apply variable interest rates. Variable interest rate components may be the following: BELIBOR inter bank interest rate for dinar funds offered by the panel of banks at the Serbian inter bank market, published 2 business days before the calculation date. EURIBOR inter bank interest rate on term deposits in EUR paid among prime banks in EUR zone, published 2 business days before the calculation date or according to terms of passive interest payment in the event of disbursement from particular credit lines. LIBOR inter bank interest rate on term deposits paid among prime banks at London Stock Exchange, published 2 days before the calculation date or according to terms of payment passive interest in the event of disbursement from particular credit lines. Reference rate the highest and/or the lowest interest rate applied by the National Bank of Serbia in repo transactions for the securities sale and/or purchase. The reference rate is determined by the Decision on Establishing Reference Rate of the National Bank of Serbia. Reference rate of the European Central Bank the interest rate on which national central banks ensure liquidity with the European Central Bank which is applied with one week maturity. III PASSIVE INTEREST RATES 1. The Bank shall negotiate, calculate and pay interest on dinar and foreign-currency funds in compliance with the Decision on Interest Rates passed by the Executive Board of the Bank.
3 2. Interest rates on term deposits shall be established by a contract concluded with the depositor. Interest on funds collected for special purposes and under special conditions as well as funds collected by issuing bonds or treasury bills, shall be established by a decision of the Executive Board. 3. When calculating interest, the Bank may apply variable interest rates. Variable interest rate components may be the following: BELIBOR inter bank interest rate for dinar funds offered by the panel of banks at the Serbian inter bank market, published 2 business days before the calculation date. EURIBOR inter bank interest rate on term deposits in EUR paid among prime banks in EUR zone, published 2 business days before calculation or according to terms of passive interest payment in the event of disbursement from particular credit lines LIBOR inter bank interest rate on term deposits paid among prime banks at London Stock Exchange, published 2 days before calculation or according to terms of passive interest payment in the event of disbursement from particular credit lines. Reference rate the highest and/or the lowest interest rate applied by the National Bank of Serbia in repo transactions for the securities sale and/or purchase. The reference rate is determined by the Decision on Establishing Reference Rate of the National Bank of Serbia. Reference rate of the European Central Bank the interest rate on which national central banks ensure liquidity with the European Central Bank which is applied with one week maturity. IV DEFAULT INTEREST 1. Default interest shall be applied and calculated in compliance with the Law on the Default Interest Rate and Law on Contract and Torts. 2. The agreed default interest shall be applied to loans granted from credit lines with special arrangements. 3. If the agreed interest rate is higher than the default interest rate, the agreed interest rate shall apply. 4.The Bank will calculate and collect default interest for untimely interest payment. V INTEREST NEGOTIATION, CALCULATION, PAYMENT AND COLLECTION 1. The Bank will negotiate interest rates for active and passive operations in compliance with the Decision on Interest Rates for In calculating interest the Bank may apply proportional or compound method.
4 3. When approving loans and depositing funds (term and non-term) a clause on floating interest rate may be negotiated. 4. Interest shall be calculated as of the day of the loan or deposit maturity, at the end of the month, quarter, and/or year. The accrued interest will be payable on the last day of the accounting period while the value date can be within 5 business days from the calculation date. Unless the interest is settled until the value date, the default interest rate shall be calculated starting from the first date after the interest calculation. 5. A borrower who wants to settle his liabilities before loan maturity shall have to agree the payment date with the Bank, so that the Bank may calculate interest as at the settlement date. 6. The interest on sight deposits to legal entities if the Bank pays the interest shall be calculated on a monthly basis and paid on a quarterly basis and/or in accordance with the agreement. The interest on term deposits to legal entities shall be calculated and paid according to the agreement. Private persons shall accrue interest under deposits at the moment of assigning interest to the principal or at the moment of interest payment. Interest on retail current accounts shall be calculated and accrued on a monthly basis, whereas interest on other retail deposits and sight saving deposits shall be calculated on a monthly basis and accrued at the end of the year. Interest on retail term deposits shall be calculated at maturity expiry, when it is accrued or at the moment of deposit termination and payment. Exceptionally, the Bank may calculate and pay monthly interest to a client, or in advance on the day of placing the deposit, which is subject to a special agreement. A depositor who wants to withdraw funds before maturity expiry, shall agree with the Bank the withdrawal date, according to the agreed terms and conditions, so that the Bank could calculate interest as at the withdrawal date. 7. Negotiation, calculation, payment and interest collections with loans and deposits are carried out in accordance with General Operating Terms and Conditions that the Bank applies in its relationship with private persons. VI OTHER PROVISIONS 1. The interim interest shall be negotiated and calculated for all loans and it will be collected or subscribed to debt when assigning the loan repayment. The interim interest rate shall be equal to the regular interest rate unless agreed otherwise.
5 2. Interest will be calculated in arrears on all Bank s dinar receivables and payables, but it can also be calculated in advance. For securities discounting, interest will be calculated in advance. The number of days under securities discounting shall be calculated by the calendar. 3. When identifying a number of days for interest calculation, the date of deposit placement or loan disbursement shall be taken into account, but not the date of deposit withdrawal and/or loan repayment. 4. In all long-term loan contracts, short-term loan contracts and contract for any other placements the Bank may negotiate protective clauses. 5. If the Bank agrees with the borrower that the granted funds will be utilized for one day and/or the loan will be repaid at the day of its disbursement, it will be considered that the loan is used for one day. 6. The Executive Board of the Bank shall be authorized to conclude contracts on purchase and sale of receivables and settlement with clients for the purpose of receivables collection, within the limits established by the Board of Directors. 7. The Bank will collect receivables in the order of maturity: fees, real costs etc. interest, first default then regular; principal. 8. Tax on equity income from retail operations will be borne by clients, i.e. the Bank will calculate gross interest and tax, and pays tax on behalf and debiting the client. 9. If the calculated active and/or passive interest under one loan or deposit is below RSD 150 it will not be collected and/or paid. The previous paragraph shall not refer to the interest calculated under savings deposits, foreignexchange accounts and other retail deposits. 10.This Decision shall be applied as of the date following the date of its adoption by the Shareholders Assembly of the Bank. ČAČANSKA BANKA A.D. ČAČAK Shareholders Assembly No: 2714 President Date: Petrašin Jakovljević
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