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Notice to individual borrowers whose loans were agreed and disbursed after 01.09.2022 and are based on 6-month Euribor

Dear customers,

Under the Methodology for Determining the Variable Interest Rate on Loans to Individuals, D Commerce Bank AD reviews and applies the 6-month Euribor rate twice a year, on 01.03 and 01.09.

The principal market index used by D Commerce Bank AD to set interest rates on its loans with maximum transparency, 6-month Euribor, stood at +2,746% on 27.08.2026. The Bank has no influence over changes to the index, whose value is determined by the average interest rates at which banks in the Eurozone lend to one another.

In consideration of our customers and our long-standing relationships, D Commerce Bank AD will apply a discount to the applicable 6-month Euribor rate that forms the reference interest rate on your loans for the period 01.09.2026 – 28.02.2027. Following the Bank’s reduction, instead of the actual 6-month Euribor market rate of +2,746%, your loan will be charged a reduced rate of (+1,68%).

For further information or assistance, please contact our Call Centre on short number *4004 or 0700 40 400, or visit your servicing branch.