DSK Bank
The reference rate is the variable component — it moves according to the bank’s methodology. The margin is fixed for the term of the contract.
Sample interest calculation
An illustration of the formula, not an offer. Enter the margin from your offer; the reference rate is preloaded with the latest known value and may be changed by the bank.
Applicable value / update
Published applicable value: 0.41% for the period 01.01.2026–14.07.2026. First actual change after the euro adoption: 15.07.2026.
Reference-rate model / index Reference rate for new euro contracts after 01.01.2026; a deposit indicator based on BNB statistics, not EURIBOR.
How the index is formed Until 14.07.2026: the effective annual rate on outstanding term deposits in leva and euro combined of the Households sector with a maturity of over 1 day up to 2 years. From 15.07.2026: the same indicator, but for euro deposits only.
Scope / contracts New contracts after 01.01.2026; for older contracts the specific contractual methodology applies.
Notes DSK explicitly states that it does not use EURIBOR or any other international index as a substitute for these reference rates.
Sources
This information is an overview and is not legal or financial advice. For a specific loan, the contract and the bank’s latest published values and methodologies prevail. Data as of 23.06.2026, maintained manually.