Retail

NLB Non-purpose deposits

Savings in domestic or foreign currency

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Special

interest rate

Select term deposit currency – BAM, EUR or USD, according to your needs

One-time deposit payment – simple and without complications

Flexible term – up to 84 months in BAM and EUR currencies

Safe growth – with a fixed interest rate throughout the term

Automatic contract extension – no additional steps

Deposit protection – amounts up to BAM 70.000 insured by the Law on Deposit Insurance of BiH

NLB Non-purpose term savings for natural persons

This special offer is designed to provide depositors with attractive terms and conditions for term savings. Interest rates vary depending on the amount and period of the term deposit, and the details are shown in the table. In the period from 15 August 2024 to 31 December 2024, NLB Banka offers incentive interest rates for new savings deposits in KM and EUR currency, for terms of 13, 18, 25 and 37 months.

Deposit amount*	all amounts
The period for which the Bank receives the deposit in months	13	18	25	37	49
Currency(ies) in which the Depositor deposits funds	KM/EUR	KM/EUR	KM/EUR	KM/EUR	KM/EUR
Nominal interest rate - NIR expressed as a percentage (on an annual basis, fixed)	1,60%	1,90%	2,20%	2,30%	2,40%
Effective interest rate - EIR expressed in percentages (annually)**	1,60%	1,90%	2,20%	2,30%	2,40%
Costs borne by the user and included in the calculation of the EIR	-	-	-	-	-

*The minimum deposit amount is 10.00 KM or 5.00 EUR, and the maximum amount is not defined.

**Effective interest rate (EIR) calculated on the amount of 10,000.00 KM/EUR

The current offer includes nominal and effective interest rates for all amounts of time deposits in KM and EUR currencies.

Deposit amount*	all amounts
The period for which the Bank receives the deposit in months	1 - 3	4 - 6	7 - 12	13 - 24	25 - 36	37 - 84
Currency(ies) in which the Depositor deposits funds	KM/EUR	KM/EUR	KM/EUR	KM/EUR	KM/EUR	KM/EUR
Nominal interest rate - NIR expressed as a percentage (on an annual basis, fixed)	0,00%	0,25%	0,55%	1,15%	1,35%	1,50%
Effective interest rate - EIR expressed in percentages (annually)**	0,00%	0,25%	0,55%	1,15%	1,35%	1,50%
Costs borne by the user and included in the calculation of the EIR	-	-	-	-	-	-

*The minimum deposit amount is 10.00 KM or 5.00 EUR, and the maximum amount is not defined.

**Effective interest rate (EIR) calculated on the amount of 10,000.00 KM/EUR.

Interest rate for users of the NLB Classic+ package for long-term fixed-term deposits in the minimum amount of 10,000.00 KM or the equivalent in EUR currency: 0.05 pp higher than the current offer.

Interest rate for users of the NLB Gold Package for long-term fixed-term deposits in the minimum amount of 10,000.00 KM or the equivalent in EUR currency: 0.10 pp higher than the current offer.

Deposit amount	all amounts
The period for which the Bank receives the deposit in months	1 - 3	4 - 6	7 - 12	13 - 24
Currency(ies) in which the Depositor deposits funds	USD	USD	USD	USD
Nominal interest rate - NIR expressed as a percentage (on an annual basis, fixed)	0,20%	0,60%	1,10%	1,30%
Effective interest rate - EIR expressed in percentages (annually)*	0,20%	0,60%	1,10%	1,30%
Costs borne by the user and included in the calculation of the EIR	-	-	-	-

*Effective Interest Rate (EIR) calculated on the amount of 1,000.00 USD.

Disclaimer

The Bank secures deposits in accordance with the Law on Deposit Insurance of BiH. The Law prescribes all the details related to deposit insurance. The information form for the depositor can be downloaded by clicking on the link below. For additional information and protection, please visit the Deposit Insurance Agency website www.aod.ba