1 When determining the maximum interest rate for each credit organization:
– maximum rates on deposits available to any customer (including potential customers) without restrictions and preconditions are taken into account. Deposits for selected categories of clients (pensioners, children) and purposes (for social and humanitarian purposes and etc.) are not considered;
– no rates with capitalization of interest on the deposit shall be taken into account;
– rates valid under certain conditions (regular bank card turnover, permanent minimum balance on the bank card, etc.) are not taken into account;
– combined deposit products, i.e. deposits with additional conditions are not considered. Such additional conditions for accrual of the increased interest rate may include, for example, purchase of investment units for a certain amount, opening of an investment account, registration of an investment or accumulative life insurance program, connection of an additional package of services, etc.
– deposits whose term is divided into periods with different rates are not considered.
– do not consider deposits whose term is divided into periods with different rates.
The average maximum interest rate indicator is calculated as arithmetic average of maximum interest rates of 10 credit institutions.
Average maximum interest rate indicator is calculated as arithmetic average of maximum interest rates of 10 credit institutions.
2 PJSC Sberbank (1481) – www.sberbank.ru, Bank VTB (PJSC) (1000) – www.vtb.ru, Bank GPB (JSC) (354) – www.gazprombank.ru, JSC Alfa-Bank (1326) – alfabank.ru, JSC Rosselkhozbank (3349) – www.rshb.ru, PJSC Bank FC Otkritie (2209) – www.open.ru, PJSC Moscow Credit Bank (1978) – mkb.ru, “Tinkoff Bank” (2673) – www.tinkoff.ru, PJSC “Promsvyazbank” (3251) – psbank.ru, PJSC “Sovcombank” (963) – sovcombank.ru. The monitoring was conducted by the Banking Regulation and Analytics Department of the Bank of Russia using information provided on the above websites. The published indicator is indicative
3 Average maximum interest rates on deposits: for term up to 90 days – 11.80%; for term from 91 to 180 days – 14.49%; for term from 181 days to 1 year – 14.72%; for term over 1 year – 12.94%.