експресбанк Моля изчакайте
БГ
Base interest rate of Societe Generale Expressbank - applicable value and calculation methodology
  • Methodology
    Base interest rate of Societe Generale Expressbank (BIRSGEB) is an index designed to represent the cost of the banks’ resources, needed to finance loans and other receivables to which that rate applies.
    The cost of the banks’ resources enlists the following two elements:
  • The average cost of the attracted funds from individuals, companies and other non-banking institutions, with regulatory and overhead costs embedded in the value; (S)
  • The alternative cost for attracting funds from the interbank market. (R)
Each of the two elements participates in the calculation with its relative weight in the amount of loans and other receivables based on BIRSGEB. (K1, K2) Senior management could approve discounts from the values of the above elements. (D)
BIRSGEB is calculated separately for each single currency and is presented in percentage, rounded to 0.05% step.

SGEBBIR= SK1 + RK2 - D
It is revised on a monthly basis by Cash and Liquidity Committee of the bank.
  • Applicable value

    BIRSGEB in force as of December 1st, 2016

BGN EUR USD GBP CHF
2.65 % 2.80 % 2.45 % 1.75 % 0.45 %