Input Parameters
Calculated Rates
Total Pooled Deposit Rate
2.80%
Total Stand-Alone Deposit Rate
2.30%
Total Pooled Withdrawal Rate
4.50%
Total Stand-Alone Withdrawal Rate
5.50%
Synergy Benefit (Deposit)
+0.50%
Synergy Benefit (Funding)
-1.00%
Rate Composition Analysis
Pooled Deposit Rate = Reference Rate - Deposit Margin + Synergy Margin
Pooled Withdrawal Rate = Reference Rate + Credit Premium + Sovereign Premium + Withdrawal Margin - Synergy Margin
Rate Components Breakdown
Reference Rate
2.50%
Credit Risk Premium
+0.80%
Sovereign Risk Premium
+1.20%
Deposit Margin
-0.20%
Withdrawal Margin
+0.50%
Synergy Margin
±0.50%