Ural Bank for Reconstruction and Development

I thought to lay eggs in different baskets and take a second loan not in my bank, but in another. But 0.51% per day is, excuse me, per year a very tidy sum runs into O_o. I had about 30% per annum on the first loan at the UBRD, and it seemed a bit much. But I paid on time and now they have reduced to 15. Not that I was a fan of banks, but the Urals are mega loyal.