Term Deposit “Premium”

Effective placement of surplus liquidity on an individual basis. 

The “Premium” Term Deposit is an instrument for placing temporarily available funds of corporate clients, with the possibility of flexible customization of terms to meet business needs.

We offer an individual approach to determining the interest rate, term, and other deposit parameters.

Key product features

Deposit currency:

• National currency

• Foreign currency

Placement term: Determined by agreement of the parties

Deposit amount:

• Minimum amount — not limited

• Maximum amount — not limited

Interest rate

The interest rate is determined individually, taking into account the following:

• the placement amount,

• the deposit term,

• the currency,

• current market conditions.

The terms are approved in accordance with the Bank’s internal pricing procedures.

Procedure for accrual and payment of interest

• Interest is accrued on a daily basis — from the day following the date the funds are credited to the deposit until the day preceding their repayment.

• Interest is paid monthly — on the first business day of the month following the reporting month.

• Interest capitalization is not provided.

Early withdrawal and partial withdrawal

• The possibility of early withdrawal or partial withdrawal of funds is determined by the terms of the deposit agreement.

• In the event of early withdrawal, interest may be recalculated at a reduced rate.

• Any excess interest paid shall be deducted from the deposit amount.

Repayment of the deposit

Upon maturity, the deposit amount is transferred to the client’s demand account (net of taxes, if applicable in accordance with the legislation).

Execution

The deposit is placed by entering into a deposit agreement.

Benefits for business:

• Individual pricing

• Flexible placement terms

• Predictable cash flow (monthly interest payments)

• Dedicated relationship manager support

Deposit Repayment Is Guaranteed

Deposit Guarantee Agency in Banks of the Republic of Uzbekistan ensures the stability of the banking system, and also serves as a guarantee for the return of up to 200 million soums in deposits of the population. In the event of an insured case, deposits are repaid according to the following deadlines:

• From January 1, 2026 — within 15 working days;
• From January 1, 2027 — within 7 working days.