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Deposit & Loan Rates

Date: 2016-03-20

Unit: Annual rate%

RMB deposit rates

Item

Benchmark interest rate of the PBC before adjustment

(August 26, 2015)

Quoted interest rate of PSBC before adjustment

(August 26, 2015)

Benchmark interest rate of the PBC after adjustment

(Effective from October 24, 2015)

Quoted interest rate of PSBC after adjustment

(Effective from October 24, 2015)

I. Demand Deposit

0.35

0.35

0.35

0.30

II. Time Deposit

i. Lump-sum deposit & withdrawal

3M

1.35

1.60

1.10

1.35

6M

1.55

1.81

1.30

1.56

1Y

1.75

2.03

1.50

1.78

2Y

2.35

2.50

2.10

2.25

3Y

3.00

3.00

2.75

2.75

5Y

-

3.00

-

2.75

ii. Time deposit by installments, lump-sum deposit and withdrawal by installments, principal deposit and interest withdrawal

1Y

1.35

1.60

1.10

1.35

3Y

1.55

1.81

1.30

1.56

5Y

-

1.81

-

1.56

iii. Time-demand optional deposit

40% discount of the interest rate on lump-sum deposit & withdrawal for less than a year of the same grade

III. Agreement Deposit

1.15

1.15

1.15

1.00

IV. Call Deposit

1D

0.80

0.80

0.80

0.55

7D

1.35

1.35

1.35

1.10

RMB Loan Benchmark Interest Rates

Item

Benchmark interest rate of the PBC before adjustment

(August 26, 2015)

Benchmark interest rate of the PBC after adjustment

(Effective from October 24, 2015)

I. Short-term Loan

6M or below

4.60

4.35

6M-1Y (inclusive)

4.60

4.35

II. Medium and Long-term Loan

1Y-3Y (inclusive)

5.00

4.75

3Y-5Y (inclusive)

5.00

4.75

Over 5Y

5.15

4.90

III. Personal Housing Provident Fund Loan

5Y or below

2.75

2.75

Above 5Y

3.25

3.25