Interest rates for 12-month deposits in late 2025 are projected to range between 5.5% and 6.5% annually, surpassing the forecasted inflation rate of 3.8%. This creates a favorable profit margin. However, these rates are typically associated with medium to long-term savings periods, which may not suit customers seeking flexible liquidity. In this context, transferable accumulation products like VIB's iDepo are emerging as an ideal solution, offering both profitability and flexibility.