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Information on the floating interest rate

The size of floating (variable) interest rate is calculated according to the formula:  

Fixed margin + UIRD (12m)*, where:

- Fixed margin (interest p.a.) is invariable part of the floating interest rate. The size of the Fixed margin remains constant through the whole period of validity of the loan agreement and makes:

Fixed margin for UIRD (12m)
For customers who receive salary or income from entrepreneurship to the current or card account with CREDIT AGRICOLE
For other customers

- UIRD (12m) (interest per annum) is a variable part of the floating interest rate corresponding to the value of “Ukrainian Index of Retail Deposit Rates” in UAH for 12 months as of the first business day of the calendar month preceding to the month of loan decision making.

As of May 4, 2020, the UIRD rate (12m) was 11.9%.

Revision and change of the loan interest rate is made by the Bank each year through the period of validity of the Agreement on the first banking day of January according to the UIRD (12m) rate fixed on the first business day of December of the preceding year.

Maximum increase of the variable interest rate shall not exceed 20 (twenty) percentage points of the variable interest rate set by the Agreement on the date of its conclusion.

*UIRD (Ukrainian Index of Retail Deposit Rates)is the indicative rate calculated at 15.00,Kyiv time each banking day in the system Thomson Reuters on the basis of nominal retail term deposit rates in UAH with interest payment upon expiry of deposit agreement effective in largest Ukrainian banks by amount of retail deposit portfolio See detailed information on UIRD index on the website of the National Bank of Ukraine

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