* The variable AMD component for time periods before July 2013 is calculated based on monthly yield stats of 6-month government bonds on primary market, published by CBA.
For contracts signed in 20-Jul-2021 – 31-Jan-2022 period.
For contracts signed on or after 01-Feb-2022
**In case of a negative interest rate, the level of the variable component is set at 0% by the contract.