Ставки FIDR/UIRD

UIRD (Ukrainian Index of Retail Deposit Rates) – is a Ukrainian index in the deposit rates of individuals – induction rate, which is calculated at 15:00 Kiev time on each Banking day in the Thomson Reuters system, based on the normative urgent individual rates in UAH on the term of 12 months with the interest payment on the date of the deposit agreement expiration valid in 20 largest Ukrainian Banks measured by the deposit portfolio of individuals.

UIRD (12m) (Ukrainian Index of Retail Deposit Rates) – is a Ukrainian index in the deposit rates of individuals – induction rate, which is calculated in the Thomson Reuters system, based on the normative urgent individual rates in UAH on the term of 12 months with the interest payment on the date of the deposit agreement expiration valid in 20 largest Ukrainian Banks measured by the deposit portfolio of individuals. Source of information - the official website of the National Bank of Ukraine (http://www.bank.gov.ua).

On the official NBU website.

The National Bank of Ukraine discloses data on the daily basis concerning the UIRD / UIRD (12m) rate and alterations in the compositions on the NBU Internet pages and media on its discretion.

The list of the banks, which announce the rates are formulated based on the individual deposit portfolio and announced on the National Ukrainian Bank’s website. The list of the banks that participate in the UIRD establishment is viewed at least two times per week, without any limitations on the repeated inclusion of the bank to the mentioned list. You can familiarize yourself with the list of the bank-participants by visiting the NBU website.

Thomson Reuters* company calculates an indicative Ukrainian Index of Retail Deposit Rates, or UIRD on the method, established together with the National Bank of Ukraine, grounded on the nominal market rates of the individual deposits, which are announced by the twenty leading participants of the Ukrainian individual markets on banking deposit.

* Since 1986, Thomson Reuters has been calculating and publishing London LIBOR interbank rates. Since 1995, Thomson Reuters has launched its activities focused on the development of the Ukrainian financial market. For today, Thomson Reuters calculates or publishes more than 250 related fixings such as EONIA, EURIBOR, MOWIBOR, KIEVPRIME, MOSPRIME, EMTA UAH FIX, etc.

The UIRD rate is established by the bank on the monthly basis on the level, which is valid within the Thomson Reuters system on the pre-last working calendar day, which is followed by the date of the alteration of the interest date. Established amount of the UIRD rate is used for the new credits with the goal of establishment of a flexible interest rate for the valid credits aiming to establish the credit agreements of the 11/12 monthly period expiration of the previous measurement of UIRD.

UIRD (12m): The Variable Interest Rate on the Loan is reviewed and changed by the Bank annually, during the term of the Loan Agreement, on the first Banking Day of the calendar month, which is equal to the calendar month of conclusion of the Loan Agreement. On the specified Variable Interest Rate Repricing date, interest will accrue based on the UIRD (12m) rate (effective on the first Banking Day of the calendar month preceding the calendar month which is the Variable Interest Rate Repricing Month) + Fixed Interest based on the Annual Interest Base.

The rate will be formed as the FIDR rate with a fixed margin for the clients who have received their loan before 01.09.2011.

By the granted loan rates, UIRD is viewed (altered) every 12 months of the agreement term. It is worth mentioning that during the first year of the UIRD treaty, the rate is reviewed (altered) after the expiration of 11 calendar months.

For granted loans, the UIRD rate (12m) is revised (changed) by the Bank annually, during the term of the Loan Agreement, on the first Banking Day of the calendar month, which is equal to the calendar month of conclusion of the Loan Agreement.

You need to contact a manager of the bank and to fill in the application on the Credit Committee