personal bank
A = P(1+r/n)^(nt)
A is the amount, P principle, n the number of times compounded per year and t time in the year.
r=.02
P=25000 and 3 years=t
A=25000(1+.02/1)^(3)
A= 26530.2 euros
Secure bank r=4.3%+.9%+.9%
A= 25000(1+.0448)^(3)= 28512.8
Secure back> private bank