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Internal Base Rate

Internal Base Rate (IBR) is the sum of the percentage of the price of liabilities in the Balance Sheet of Municipal Bank AD and the percentage of Non-Interest Expenses in the annual Income Statement of the Bank. IBR is calculated under an Internal Base Rate Definition Methodology of Municipal Bank AD and is applicable to loans provided in national and foreign currencies.

The current Internal Base Rate for loans to individuals and corporate entities is 6.96 %.

Internal Base Rates applied by Municipal Bank AD in the formation of the interest rates under loans provided to individuals and corporate customers


Date (as of)

IBR, (%) 

20.07.2009 9.12
22.02.2010 9.20
20.09.2017 6.96

Exchange Rates 2.12.2021

Buy 1.94620
Sell 1.96000
BNB Fixed Rate 1.95583
Buy 1.68850
Sell 1.76550
BNB Fixed Rate 1.72868
Buy 1.84600
Sell 1.91600
BNB Fixed Rate 1.87574
Buy 2.25500
Sell 2.33500
BNB Fixed Rate 2.30098

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