The annual rate of total costs includes the amount of principal, interest and the amount of calculated administrative fees.

» Retail loans
     - Unsecured consumer loans
     - Unsecured consumer loans via merchants
     - Consumer loans secured by mortgage
     - Consumer loans secured by pledge on government bonds
     - Mortgage loans
     - Auto loans

» Retail deposits
     - MKD
     - FCY
     - Package plus
     - Premium
     - Euro Bonus
     - 12/13

» Allowed retail current account overdraft

» Loans to legal entities
     - FCY
     - MKD

» Legal entity deposits
     - FCY deposits
     - MKD deposits