Deposit Types

Raiffeisen Bank Aval offers its corporate clients a method of efficient utilisation of their temporarily available funds by means of lodging them into deposit accounts for various periods with the possibility to top up the deposits or withdraw funds early. Deposit accounts can be held in UAH, USD or EUR.

The bank understands the specific needs of each business and assigns an account manager, who is in charge of the comprehensive development of relations with the client; this understanding will help to choose a deposit type that fits the client's needs best. A general deposit contract makes it possible to agree on the placement of funds to a bank account within a tight time frame, to simplify the deposit formalisation procedure and to re-use deposit accounts opened earlier for the placement of new deposits.

Raiffeisen Bank Aval is offering the following deposits:

• Potochnyi (Current) deposit: the client can use the lodged funds with a small minimum balance; the deposit can be topped up; the funds can be withdrawn early (before the deposit maturity) in part or in full. The interest is paid monthly using a tiered interest rate depending on the daily average balance of the deposit account: the larger your balance, the higher the interest rate is on the deposit during the payment period.

• Klasychnyi (Classical) deposit: the interest is paid on the deposit maturity date. In this case, the deposit cannot be topped up or withdrawn in part or in full before the expiry date of the contract.

• Klasychnyi Dostrokovyi (Classical Callable): the interest is paid on the deposit maturity date. In this case, the entire deposit amount can be withdrawn at the client's request before the deposit maturity date.

• Shchomisiachnyi (Monthly) deposit: the interest is paid monthly; the deposit cannot be topped up or withdrawn in part or in full before the expiry date of the contract.

• Shchomisiachnyi Dostrokovyi (Monthly Callable) deposit: the interest is paid monthly. In this case, the entire deposit amount can be withdrawn by the client on request before the contract expiry date.

• Klasychnyi Nakopychuvalnyi (Classical Savings Deposit): the interest is paid on the deposit maturity date; the deposit can be topped up.

• Klasychnyi Nakopychuvalnyi Dostrokovyi (Classical Savings Callable Deposit): the interest is paid on the deposit maturity date; the deposit can be topped up or withdrawn in full before the contract expiry date.

• Shchomisiachnyi Nakopychuvalnyi (Monthly Savings Deposit) : the interest is paid monthly; the deposit can be topped up.

• Shchomisiachnyi Nakopychuvalnyi Dostrokovyi (Monthly Savings Deposit Callable): the interest is paid monthly; the deposit can be topped up or withdrawn in full before the contract expiry date.

Useful links

Core Perfomances of the Bank*

billion UAH
as at 31 March 2010
Paid-in capital	2,42
Equity capital	5,45
Assets	54,03

* in compliance with the Ukrainian accounting standards and NBU’s requirements

Exchange rates *

	Buy	Sell	NBU
$	7.870	7.910	7.893200
€	10.100	10.550	10.315623
Р~~уб.~~	0.254	0.264	0.261210

* update at 30.07.2010

$/€	0.7652
€/$	1.3069

Repayment of currency loans via self-service centers

USD	7.9100
EUR	10.4500