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| Criteria | Private Banking | Inner Circle | FriMi |
|
Salary Criteria - Salary in Sri Lankan Rupees
|
LKR. 400,000 or above | LKR. 150,000 to LKR. 399,999 | Up to LKR. 149,999 |
|
Salary Criteria - Salary in Foreign Currency
|
USD 2000 or equivalent in any designated foreign currency |
USD 500 to USD 1999 or equivalent in any designated foreign currency |
Up to USD 499 or equivalent in any designated foreign currency (Not applicable for FriMi) |
|
Total Deposits Portfolio
|
LKR. 3 Mn + monthly average balance of at least Rs. 10,000 in a current or savings account* |
LKR. 1.5 Mn + monthly average balance of at least Rs. 10,000 in a current or savings account | N/A |
|
Total Deposits and Loans Portfolio
|
LKR. 12 Mn + monthly average balance of at least Rs. 10,000 in a current or savings account* |
N/A | N/A |
| Government Security criteria | LKR. 10 Mn + monthly average balance of at least Rs. 10,000 in a current or savings account* |
LKR. 5 Mn + monthly average balance of at least Rs. 10,000 in a current or savings account | N/A |
*Customer must meet the standard Private Banking criteria within a grace period of 12 months, failing which the category will be changed
In the event that the minimum eligibility criteria is not met, the following charges will be applicable (subject to revisions in accordance with the standard bank tariff):
- Private Banking: A monthly service charge of Rs. 2,500/-
- Inner Circle: A monthly service charge of Rs. 1,250/-
- Individual and FriMi accounts are exempt from any charges
You are entitled to enjoy a special credit facility for our Credit Cards, Loans and Over Drafts, as outlined below.
| Income Band | Products offered under Credit Line | Maximum Credit line Multiplier | DSCR (Debt-Service Coverage Ratio) Consideration | Conditions |
|
Net Salary below, LKR. 150,000 |
None | N/A | N/A | Lending solutions through Helios lending platform |
|
Net Salary between, LKR.150,000 and Rs.249,000 |
Credit Card, |
8X net salary | DSCR 40% | 100% Salary Assignment compulsory |
|
Net Salary between, LKR. 250,000 and |
Credit Card, Personal Loan and Overdraft Facilities |
10X net salary | DSCR 45% | Salary Assignment or Standing instructions accepted |
|
Net Salary over, LKR. 400,000 |
Credit Card, Personal Loan and Overdraft Facilities |
12X net salary | DSCR 50% | Salary Assignment or Standing Instructions accepted |
