1 When determining the maximum interest rate for each credit institution:
— the maximum rates on deposits available to any client (including potential clients) without restrictions and prior conditions are considered. Deposits for designated client categories (pensioners, children) and purposes (for social and humanitarian goals, etc.) are not taken into account;
— rates with interest capitalization on deposits are not considered;
— rates that are applicable under certain conditions (regular transactions on a bank card, maintaining a minimum balance on a bank card, etc.) are not included;
— combined deposit products, i.e., deposits with additional conditions, are not considered. Such additional conditions for earning a higher interest rate may include, for example, purchasing investment units for a certain amount, opening an investment account, arranging an investment or savings life insurance program, subscribing to an additional service package, etc.;
— deposits with terms divided into periods with different rates are not considered.
The indicator of the average maximum interest rate is calculated as the arithmetic mean of the maximum interest rates of 10 credit institutions.
2 PJSC Sberbank (1481) — www.sberbank.ru, VTB Bank (PJSC) (1000) — www.vtb.ru, GPB Bank (AO) (354) — www.gazprombank.ru, Alfa-Bank (AO) (1326) — alfabank.ru, Rosselkhozbank (AO) (3349) — www.rshb.ru, Rosbank (PJSC) (2272) — rosbank.ru, Moscow Credit Bank (PJSC) (1978) — mkb.ru, TBank (AO) (2673) — www.tbank.ru, Promsvyazbank (PJSC) (3251) — psbank.ru, Sovcombank (PJSC) (963) — sovcombank.ru. The monitoring was conducted by the Department of Banking Regulation and Analytics of the Central Bank of Russia using information provided on the specified websites. The published indicator is indicative.
3 Average maximum interest rates on deposits: for terms up to 90 days — 16.04%; for terms from 91 to 180 days — 16.55%; for terms from 181 days to 1 year — 17.03%; for terms over 1 year — 16.14%.