“In November, we are again adjusting the interest rates on savings bonds to the changes taking place on the financial market. We have kept the interest rates on 3-month fixed-rate bonds unchanged and have prepared a new offer of interest rates on retail bonds with maturities of 1 year and more,” said Deputy Minister of Finance Jurand Drop, quoted in Monday's Ministry of Finance press release.
The announcement shows that the interest rate three-month bonds (OTS) with a fixed interest rate will be 2.75%, which is the same as in September. Simultaneously the interest rate on other bonds addressed to individuals will be reduced by 0.25 percentage points.
As a result, the coupon of annual floating-rate bonds based on the NBP reference rate will be 4.5%. (ROR), and two-year (DOR) 4.65 percent. in the first monthly interest period. Three-year bonds (TOS) will bear an interest rate of 4.9%. Four-year inflation-indexed bonds (COI) will bear interest at 5.25% in the first annual interest period, and 10-year bonds (EDO) at 5.75%.
In turn, 6- and 12-year family bonds, intended for beneficiaries of the “Rodzina 800 plus” program, will bear an interest rate of 5.45%. and 6 percent in the first annual interest period.
The margins in subsequent interest periods for floating-rate bonds were left unchanged. The interest rate on one-year bonds (ROR) and two-year bonds (DOR) changes every month. It is calculated as the sum of the reference rate of the National Bank of Poland and the margin and, in the case of instruments offered in November, is 0%. for annual bonds and 0.15 percentage point for two-year-olds (i.e. no changes).
See also: At the last minute before the interest rate drops. Poles went for treasury bonds
The interest rate on four-year bonds (COI) changes every year and is calculated based on the sum of the CPI inflation index from the last 12 months and a margin of 1.5 percentage points. The same interest rate mechanism also applies to ten-year bonds (EDO). In the latter case, the unchanged margin is 2 percentage points. percent
Also, the interest rate on bonds addressed to recipients of the “Rodzina 800 plus” program changes every year and is equal to the inflation of the last 12 months and a margin of 2%. in the case of six-year bonds and a margin of 2.5 percentage points. for 12-year-olds.
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The Ministry of Finance also reminded that savings bonds can be purchased at branches of PKO Bank Polski and Customer Service Points of the PKO Bank Polski Brokerage Office or in the network of bond sales points of Bank Pekao. The bonds are also available on banks' websites and in the PeoPay mobile application.
