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Contact
contact@kb.com.mk

contact center:
(02) 3 296 800

Savings deposits with stimulation interest rates

 

The clients of the Bank having saving deposits with the Bank in the amount of over MKD 1 million are offered the so called stimulation interest rates, by adding stimulation addition expressed in percentage points over any of the nominal interest rates defined for each term of depositing.

 

This interest rate is not acquired automatically. Therefore, when the deposit exceeds this minimum, the client has to conclude new agreement with the Bank, at its Head Office or at any of its city-branches.

If during the term deposit period the deposit amount is increased, the deposit shall automatically be classified into another group with higher interest rates, and concluding new agreement with the Bank shall not be required.

The same rule shall be applied when the deposit amount decreases down to the level of minimum MKD 1 million.

If the deposit amount declines under the above stated minimum the client loses the right on stimulation addition. In order to get back to this product, the client should conclude new agreement for savings deposits with stimulation interest rate with the Bank.

 

The interest rate extent depends on the deposit amount and term deposit period.

 

With the savings deposits with variable interest rate, the basic interest rate and stimulation addition may vary within the entire validity period of the term savings deposits agreement. The interest rates are variable due to several factors already indicated in the above text on Interest Rates.

 

Stimulation addition is variable and depends on the savings deposit extent, according to the spreads offered by the Bank.

 

With the savings deposits with fixed interest rate, the basic interest rate remains unchanged within the entire validity period of the agreement, while the stimulation addition is variable and depends on the savings deposit extent, according to the spreads offered by the Bank.

 

The Bank may revise the basic interest rate once a year. In case of any change of this rate, the changed rate shall apply to all additional deposits on already deposited amounts.

 

The main reasons for correction of the basic interest rate are already indicated in the above text on Interest Rates.



Contact persons



Ivan Karev, Head of Savings Unit
Phone: (+389 2) 3168-262
Fax: (+389 2) 3211-300
e-mail: ivan.karev@kb.com.mk

Cveta Josifovska,  Savings Unit Control Officer
Phone: (+389 2) 3168-189
Fax: (+389 2) 3211-300
e-mail: cveta.josifovska@kb.com.mk