"Standard" term deposits for resident and non-resident legal entities and private entrepreneurs | ardshinbank

"Standard" term deposits for resident and non-resident legal entities and private entrepreneurs

 

 

 

Term

AMD

USD

EUR

RUB

1 - 100 mln

100'000'001 - 250'000'000

3'000 - 250'000

250'000 - 500'000

3'000 - 250'000 

100'000 - 8 mln

31 - 59 days

6.3%

6.3%

-

 

-

-

60 - 90 days

6.8%

6.8%

-

 

0.3%

4%

91 - 120 days

7%

7%

0.8%

0.8%

0.4%

4.3%

121 - 150 days

7.5%

7.5%

0.9%

0.9%

0.7%

4.7%

151 - 180 days

8%

8%

1%

1%

0.8%

5%

181 - 270 days

8.3%

8.3%

2.5%

2.5%

1.3%

5.5%

271 - 365 days

9%

8.5%

3%

2.5%

1.5%

6%

366 - 549 days

9.8%

9.3%

3.5%

3%

2.0%

7%

 

 

 

 

 

Term

AMD

USD

EUR

RUB

1 - 100 mln 100'000'001-250'000'000 3'000 - 250'000  250'001 - 500'000 3'000 - 250'000 

100'000 - 8 mln 

91 - 120 days

6.7%

6.7%

0.7%

0.7%

0.3%

4.1%

121 - 150 days

7.3%

7.3%

0.8%

0.8%

0.6%

4.5%

151 - 180 days

7.8%

7.8%

0.9%

0.9%

0.7%

4.9%

181 - 270 days

8.1%

8.1%

2.5%

2.5%

1.2%

5.4%

271 - 365 days

8.7%

8.2%

2.9%

2.4%

1.4%

5.9%

366 - 549 days

9.5%

9%

3.5%

3%

1.9%

6.8%

 

 

 

 

 

 

Term

AMD

USD

EUR

RUB

1  - 100 mln  100'000'001-250'000'000 3'000 - 250'000  250'001 - 500'000 3'000 - 250'000 

100'000 - 8 mln

31 - 59 days

6% 

6% 

-

-

-

-

60 - 90 days

6.5%

6.5%

-

-

0.1%

3.7%

91 - 120 days

6.7%

6.7%

0.6%

0.6%

0.2%

4%

121 - 150 days

7.2%

7.2%

0.7%

0.7%

0.5%

4.5%

151 - 180 days

7.6%

7.6%

0.8%

0.8%

0.6%

4.8%

181 - 270 days

7.9%

7.9%

2.4%

2.4%

1.1%

5.3%

271 - 365 days

8.5%

8.1%

2.9%

2.5%

1.3%

5.7%

366 - 549 days

9.3%

8.8%

3.3%

2.9%

1.8%

6.7%

 

Term

AMD

USD

EUR

RUB

1 - 100 mln  100'000'001-250'000'000 3'000 - 250'000  250'001 - 500'000 3'000 - 250'000 

100'000 - 8 mln

60 - 90 days

6.3%

6.3%

-

-

-

2.7%

91 - 120 days

6.5%

6.5%

0.1%

0.1%

0.1%

3%

121 - 150 days

7%

7%

0.2%

0.2%

0.4%

3.5%

151 - 180 days

7.4%

7.4%

0.3%

0.3%

0.5%

3.8%

181- 270 days

7.7%

7.7%

1.9%

1.9%

1.0%

4.3%

271 - 365 days

8.3%

7.9%

2.4%

2%

1.2%

4.7%

 

 

 

  • The minimum deposit amount

    1’000’000 AMD, 3’000 USD, 3’000 EUR or 100’000 RUB*

    * Refer to the initial deposit amount

    The maximum deposit amount

    1. For the deposits without the right to increase deposit amount the tariffs according to the written table should be applied. 

    2. For the deposits with the right to increase deposit amount the subsequent increase should be done without limitations

    The opportunity to increase deposit amount during deposit contract period

    For the deposits with the right to increase deposit amount

    If the deposit amount is being increased during 30 (thirty) calendar days before deposit refund day, on the expanded part counts 0.1 % interest rate from the deposit expanded day up to the deposit refund day, if there is no other terms and conditions defined in the contract.

    Deposit early repayment

    In case of the deposit contract early termination/partly repayment, the Bank pays annual interest rates on daily balance according to Bank tariffs and charges already accrued interests, if there is no other terms and conditions defined in deposit contract. In case of deposit partly repayment, on remained part of deposit interests are accrued according to deposit contract terms. 1

    1 For the deposits with right of the contract early termination

    Prolongation of the deposit contract

    1. In case if Depositor does not require the prolongation of the deposit contract after expiration date, the deposit amount and accrued interests should be transferred to the Depositors bank account on which the Bank applies tariffs defined for the Bank account.
    2. The prolongation of deposit contract is done according to the Bank deposit terms at the date of prolongation upon the written consent of the depositor. 

    Interest

    1. Interest rates accrued on the deposits of non-resident legal entities include non-resident profit tax rate (in cases determined by RA legislation). 
    2. Interest rates accrued on the deposits of private entrepreneurs include income tax rate (in cases determined by RA legislation).

    Priority

    If deposit agreement stipulates that the deposited amount or its part are not subject to return before the maturity date specified in the agreement, the Bank increases annual rate of the given deposit by 1%. For this kind of deposits Bank can open a revolving credit line in the sum of 90% of the deposit amount until the deposit maturity date. No interest is charged on the unused part of the credit line. 1

    For this kind of deposits Bank can open a revolving credit line in the sum of 90% of the deposit amount until the deposit maturity date. No interest is charged on the unused part of the credit line.2

    1 For the deposits in foreign currency mentioned option is applied only for deposits from 181 days and more. 
    2 this condition does not apply to Private Entrepreneurs

    Other conditions

    It is required to have a bank account for opening term deposit as deposit amount is transferred to the deposit account from the bank account.

     

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