General

GENERAL

Take advantage of the Evolve Deposit, an interest rate that grows every 6 months!

Two types of Evolve Deposit:

  1. 1. Evolve Deposit with possibility of additional investments
    Characteristics of the product
  • An interest rate that progressively grows on each period (6 months)
  • Minimum investment amount: 3.000 MKD / 50 EUR
  • Maximum investment amount:unlimited
  • Tenor:24 months
  • Interest payments:at the end of the maturity period
  • Interest rate:Fixed
  • Method of calculation of interest:proportional method
  • Possibility of additional investmentson the deposit before the expiration date
    Additional payments can be made through electronic banking, bank counters and by standing order.
  • Deposit is not redepositing
  • In case of partial withdrawal, the entire deposit is terminated prematurely and the bank calculates interest with interest rate at sight according to the valid Decision on passive interest rates of the Bank, ie it is 0%

 

  1. 2. Evolve Deposit with option for early termination
    Characteristics of the product
  • An interest rate that progressively grows on each period (6 months)
  • Minimum investment amount: 3.000 MKD / 50 EUR
  • Maximum investment amount:unlimited
  • Tenor:24 months
  • Interest payments:at the end of the maturity period
  • Interest rate:Fixed
  • Method of calculation of interest: proportional method
  • Early termination is made with a one-time withdrawal with which the term funds are fully withdrawn and the deposit is terminated in full.
    When terminating the deposit in the 1st period (in the first 6 months) is calculated interest with  interest rate at sight in accordance with the valid Decision on deposit interest rates of the Bank, ie it is 0%.
    After the expiration of the first (after 6 months) and all other periods, an interest rate valid for the previous period in which the funds were termed is applied and for the current period interest is calculated according to the number of days in which the funds were termed.
  • Deposit is not redepositing

Rates

RATES

  1. 1. Evolve Deposit with possibility of additional investments

With this deposit you get a yield of 2,7% for MKD and 1,7% for EUR for a period of 24 months calculated on the initial investment amount.

Nominal annual interest rates

Periods (6 months ) MKD EUR
I Period 0,50% 0,30%
II Period 1,10% 0,70%
III Period 1,70% 1,00%
IV Period 2,10% 1,40%
Average interest rate 1,35% 0,85%

 

  1. 2. Evolve Deposit with option for early termination

Nominal annual interest rates

Periods (6 months ) MKD EUR
I Period 0,20% 0,10%
II Period 0,80% 0,50%
III Period 1,60% 1,00%
IV Period 2,00% 1,40%
Average interest rate 1,15% 0,75%

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