Author and chief editor: Vitaliy Kisterny, October 28, 2026, 20:01:00

Today the National Bank announced a reduction in the standard risk calculation amounts for November 2026. For new personal loans, the indicator will fall from 17.65% to 16.94% per annum.

Personal loans: risk will be reduced to 16.94%

For new personal loans (excluding preferential ones), the standard risk calculation amount will decrease from 17.65% to 16.94% per annum.

This decision was made for November 2026.

Photo: © Belnovosti / Belarusian money that can be placed on a deposit or received in a loan. Author Vitaliy Kisterny

Three-year deposits become cheaper, down to 12.17%

For new demand deposits of physical persons in rubles with a return period of one to three years, the indicator will fall from 12.6% to 12.17% per annum.

For deposits with a term of more than three years - from 14.5% to 14.33% per annum.

Corporate loans: investment - up to 10.07%

For new investment loans to legal entities (excluding preferential ones) the standard risk will decrease from 10.45% to 10.07% per annum.

For other loans to legal entities (excluding preferential and investment ones) - from 11.79% to 11.39% per annum.

What does standard risk mean

This indicator is used to maintain financial stability. It limits the upper limit of interest rates.

The calculation is done as follows: the average level of rates of systemically significant banks plus a premium (dispersion measure).

Banks receive a signal level