Anelik Bank
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Safe



“Safe” deposit

Up to  12.5%

Allows to withdraw the deposit or a part thereof any time, even earlier than provided by the agreement, by saving interests of the given month


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Annual interest rates on “Safe” Deposits accepted from physical persons are given below:

Terms

AMD

USD

EUR

Annual clear interest rate

Annual interest profitability

Annual clear interest rate

Annual interest profitability

Annual clear interest rate

Annual interest profitability

1 month

6.00%

6.17%

2.50%

2.53%

-

-

2 month

6.30%

6.49%

3.00%

3.04%

-

-

3 month

6.80%

7.02%

3.50%

3.56%

1.50%

1.51%

4 month

7.20%

7.44%

4.00%

4.07%

2.00%

2.02%

5 month

7.70%

7.98%

4.50%

4.59%

2.50%

2.53%

6 month

8.50%

8.84%

5.00%

5.12%

3.00%

3.04%

7 month

9.00%

9.38%

5.50%

5.64%

3.30%

3.35%

8 month

9.50%

9.92%

6.00%

6.17%

3.70%

3.76%

9 month

10.00%

10.47%

6.80%

7.02%

4.00%

4.07%

10 month

10.20%

10.69%

7.50%

7.76%

4.20%

4.28%

11 month

10.60%

11.13%

8.10%

8.41%

4.30%

4.39%

12 month

12.00%

12.68%

8.20%

8.52%

4.50%

4.59%

12 month+1day

12.10%

12.79%

8.30%

8.62%

-

-

13-18 month

12.20%

12.91%

8.30%

8.62%

-

-

19-24 month

12.40%

13.13%

8.40%

8.73%

-

-

25 month and more

12.50%

13.24%

8.50%*

8.84%

-

-

* from 150,000 USD, annual clear interest is 9% (annual interest profitability is 9,38%), for 25 month and more

• The minimal amount of the deposit is set 100000 (one hundred thousand) AMD or equal in USD or EUR which should be kept to receive the interest.
• The depositor enjoys the right to deposit amount for the benefit of the third party; the third party shall have deposit management right since the first transaction is made.
• Interest on the deposit is paid on monthly basis or in the terms provided by the agreement.
• Calculation of interests against demand deposits is made on the actual balance of each day.
• In case if depositor requires his / her deposit amount or a part of it (irrespectively of agreement term) during the first three months after investing deposit, the interest against the amount shall be calculated in accordance with current Interest rate of the Bank provided for demand deposit (for period of time starting from the next day of deposit invested up to the day prior to demand); after three months interest shall be calculated in accordance with interest policy provided for such type of term-deposit (for period of time starting from the next day of deposit invested up to the day prior to demand), not exceeding interest rate provided by the agreement; in case when it exceeds the amount of due interest the difference shall be withdrawn from the amount of deposit requested from the Depositor, in the contrary case interest difference shall be paid to the Depositor. In both above cases interest rate provided by the agreement shall be effective for the balance of deposit
• On written request of Depositor monthly interest can be added to the principle amount of deposit on a monthly basis and interest of the next month shall be calculated against total of the interest of the previous month and principal amount.
• The Bank enjoys the right to unilaterally change the size of interest paid against demand deposit and funds existing on the account, by informing the client 15 days before they become effective.
• The Bank enjoys the tax agent right to calculate and pay tax on profit (10%) from the interest received against deposits.
• Any disputes arisen between the Bank and the client shall be settled through negotiations
Disputes arisen between the Bank and the client may be resolved through Financial system mediator (in accordance with the order provided by RA Law "On financial system mediator") or at commercial arbitrage (in order provided by RA Law "On Commercial arbitrage).

Deposit calculation sample

Initial amount of deposit 1.000.000 AMD
Clear annual interest rate of the deposit 12.5%
Date of the deposit 28 month
Annual interest profitability of the deposit 13.24 %
(in case of capitalization of the interest)
Annual interest profitability of the deposit (after taxation) 12.8%
(in case of capitalization of the interest)

Monthly paid interest
1.000.000 X 12.5%/365 X 30.4 = 10.411 AMD (without taxation) )
10.411 – 10.411 X 10 % = 9.370 AMD (net profit)

Final amount of the deposit
1.000.000 + 9.370 X 28 = 1.262.360 AMD (after taxation)

In case of capitalization of interests of the deposit 
Final amount of the deposit 1.298.588 AMD (after taxation)

Page updated on 15.03.2012 09:18

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