Anelik Bank
հայ
eng

Exchange: Updated as of 22.05.2013
  • 414.50, 417.50
  • 13.10, 13.50
  • 532.00, 542.00
Business
Retail
Home Branches Services News About bank Contact Us


Deposits Loans Plastic cards Money transfers Bank accounts Safes


Stable



«Stable» Accumulative deposit  

8.5%,  5.5% for Armenian Drams and USD correspondingly if deposited
for 3 month period and  11.6%, 8.3% for Armenian Drams and USD
 
correspondingly if deposited for
 12 months  + 1 day

pyramid_fit_to_label.png

Allows to add any amount or withdraw the deposit or a part thereof any time on the terms earlier than provided by the agreement and save the interest of the given month.

Annual interest rates on "Stable" Deposits accepted from physical persons are given below:

Terms

AMD

USD

EUR

Annual interest rate

Annual interest profitability

Annual interest rate

Annual interest profitability

Annual interest rate

Annual interest profitability

3-9 month

8.50%

8.84%

5.50%

5.64%

3.00%

3.04%

10 month

9.00%

9.38%

6.00%

6.17%

4.00%

4.07%

11 month

10.00%

10.47%

7.00%

7.23%

4.50%

4.59%

12 month

11.50%

12.13%

8.00%

8.30%

4.50%

4.59%

12 month + 1 day

11.60%

12.24%

8.30%

8.62%

5.00% 5.12%

Deposit amount can be replenished during effective date of agreement, against which interest set by the agreement shall be calculated.

The minimal amount of the deposit is set 200000 (two 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.

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).

“Stable” Deposit calculation sample:

Initial amount of deposit……………………………1.000.000 AMD

Clear annual interest rate of the deposit…………………………..11.60 %

Term of the deposit…………………………………………12 month + 1 day  

Annual interest profitability of the deposit………………12.24 %
(in case of capitalization of the interest)

Annual interest profitability of the deposit (after taxation)…10.95 %
(in case of capitalization of the interest)

Monthly paid interest
1.000.000 X 11,6%/365 X 30.4 = 9.661 AMD (without taxation)
9.661 – 9.661 X 10 % = 8.695  AMD (net profit)

Final amount of the deposit
1.000.000 + 8.695 X 12 month + 1 days = 1.104.626 AMD (after taxation)

In case of capitalization of interests of the deposit.
Final amount of the deposit 1.109.512 AMD  (after taxation)

Page updated on 25.04.2012.

  • Mortgage loans
    Are provided for individuals, real estate purchase and renovation purposes.
  • Consumer loans
    Low interest rates on consumer loans secured by property.
  • Purchase of goods
    Loans for purchase of goods by installment.
  • Car purchase loans
    Since 7% of the prepayment, up to 7-year repayment period. Realize your...
  • Lombard loans
    Lombard loans low interest rates.
  • credit card
    Credit card, always available in your pocket.
  • Lending program
    RA Government Economy Stabilization Lending Program
  • MasterCard
    International plastic cards. Service anywhere in the world.
  • Convertable
    Deposit at any time up to 12.2% + chance of...
  • Reliable
    up to 12.3% per annum any time to take back deposit...
  • Safe
    deposit at any time with up to 12.5% + chance...
  • Holiday
    Deposit up to 12%, win 2 ticket to Greece.
  • Anelik
    Deposit up to 12.3%, the introduction of the system Anelik
  • Demand
    "Anelik Bank" of the demand deposits of physical persons and...
  • Arca
    Local plastic cards. Get cash realize utilities and other payments.
  • Visa
    International plastic cards. Service anywhere in the world.
  • MoneyGram
    Financial services to more than 192 countries and individuals without...
  • Anelik
    Money transfers without opening an account the system of minimum...
  • Money transfers to the RA
    Money transfers to more suitable conditions in the territory of...
  • Bank accounts
    Accounts for the benefit of individuals and legal conditions.
  • Safes
    Safest place for your precious items.
  • Junior
    Deposit up to 11.5%, Take care of your child’s safe...
  • Stable
    Accumulative deposit 8.5%, 5.5% for Armenian Drams and...
  • Discounts for cardholders
    up to 50% discount at over 500 best stores, trade...
  • BOOM ENERGY
    IF YOU ARE YOUNG: FREE entry to about 12 clubs...
  • Gold Privilege
    Anelik Bank MasterCard GOLD PRIVILEGE - The card of your...
  • SIMPLE-FAST
    SIMPLE-FAST LOANS. The simplest and fastest way to get a...
  • WEDDING LOANS
    WEDDING LOANS. The simplest and fastest way to get a...
  • Express Student Loans
    given within 24-Hours