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Everything KB offers
This page contains an overview of all the products and services designed for companies with a turnover over 60 million by Komerční banka. The product and service overview is arranged in alphabetical order.
Acceptance of Payment Cards
A convenient method of payment for your customers. Acceptance of payment cards via a payment terminal or the Internet allows for payment for goods and services with a payment card. With KB, you can accept payment cards from all card associations issued by any bank in the Czech Republic or abroad. The offer can be extended to include Cash back for withdrawal of cash at the checkout when paying by card.
Agreement on Administration of a Purchase Price
The essence of the Agreement is deposit of a purchase price by the buyer at the level resulting from the purchase contract, obligation on the part of the bank to accept the purchase price into its administration and to pay out the purchase price (administered amount) to the seller subject to the agreed conditions, or to return this to the buyer.
American Forward
American forward is modification of currency forward, which includes elements of an American type of currency option. The counterparties agree on the usual parameters such as the currency pair, the nominal and the maturity date. The buyer of the American forward is also entitled to request (at any time in the determined period given by the Start date and the maturity date) partial exercising (at any time until the maturity date). If the buyer of the American forward does not exchange the whole nominal by the maturity date of the American forward, the remaining amount of the nominal is settled on this date.
Authorised Overdraft in a Commercial Current Account
Authorised overdraft is a short-term overdraft in CZK for financing fluctuations in the client's current funds. It is provided in the business current account. The client can thus draw on funds in their account up to the contractually agreed limit of the debit balance.
Bank Guarantee
An effective method of decreasing commercial risks relating to doing business. A universal instrument for securing transactions which can be used the world over. A Bank guarantee is created by written declaration by the bank in a letter of guarantee that it will satisfy the creditor up to the level of a specific financial amount if the debtor fails to meet a specific obligation or if other conditions as set out in the letter of guarantee are not met.
Bank Cheque Issued by KB
A secure method of settling commercial payments or private liabilities. KB guarantees cashing of the cheque, so the recipient also gains certainty that he or she will receive his or her money. KB issues bank cheques in several currencies. Bank cheques can be issued by transfer from a current account up to an unlimited level, or in exchange for payment in cash up to the level of CZK 500,000 or the equivalent in foreign currency.
Bank Overdraft for a Definite or Indefinite Period in CZK and in a Foreign Currency
The Bank overdraft is especially intended for financing of operational requirements resulting from the client's commercial activities. The loan is administered in the client's current account.
Barrier Currency Option
The Barrier currency option allows the buyer to hedge his or her position against undesirable development of currency rates. Barrier currency options can be divided into ”knock in“ and ”knock out“ types. Knock in type options behave in the same way as currency (call/put) options, if they are activated during their existence. Knock out options behave in the same way as currency (call/put) options, if they are deactivated during their existence (they then expire). The level of risk accepted results from the character of the Barrier currency options.
Binary Currency Option
They buyer of a Binary option invests amount X (the premium) in expectation of receiving higher amount Y (the nominal amount) subject to meeting of defined conditions relating to development of the reference exchange rate.
Business Gold Card
Business Gold cards from VISA and MasterCard – the most recognised payment instrument in the world. Unrivalled payment services and attractive additional products in terms of a single card.
Business Prestige Card
Business Prestige Cardis a payment card for your company, with which you will receive automatic travel insurance for foreign travel. You retain management control over use of the card thanks to the possibility of setting various limits for drawing funds.
Business Silver Card
Business payment cards with high weekly limits. An international payment card for demanding clients. Exclusive additional services, especially Travel insurance for embossed cards.
Cash Back – Payout of Cash at the Checkout in Shops Using Payment Cards
Cash back allows your clients to withdraw cash at the same time as paying by card at the checkout. The service is offered to holders of payment cards, this including debit, credit and charge cards, personal and business cards and VISA, VISA Electron, Maestro and MasterCard types.
Cash Pooling
Cash pooling KB is an effective tool for interest optimization. It enables comfortable liquidity management of single entity corporate, as well as economically connected group of corporate clients or municipality. This service offers both, zero balanced accounts and notional option of cash pooling in the Czech Republic or a cross-border alternative. Zero balanced accounts allow physical cash concentration and optimal sharing of all connected accounts' funds. Notional Cash pooling provides interest optimization without real transfer of funds. KB's Cash pooling offers tailor-made solutions in order to meet specific needs of our clients.
Commodity Forward
The agreed fixed forward price of a commodity is compared with the closing price of the commodity published on the dates agreed when the transaction is arranged. The difference in the prices, for the given amount of commodity, is paid by the party in the disadvantageous position.
Commodity Option
In general, an option represents the right to purchase or sell a defined instrument on the agreed date. In the case of a Commodity option, instrument is understood to mean exchange of payments from the agreed fixed price of a commodity for payments dependent on the current prices or average prices of the reference commodity. Commodity option allows the buyer to hedge his or her position in terms of an increase or decrease in price of a specific commodity.
Commodity Swap
The agreed fixed forward price of the commodity is compared with the daily closing prices (or with the official, e.g. the official three-monthly pricing average). The difference in prices, for the given amount of commodity, is paid by the party in the disadvantageous position.
Consultancy for Commercial Financing
Corporate finance consultancy provided to KB clients helps them to implement plans, mainly of a strategic nature. The Corporate finance team provides consultancy services for acquisitions, mergers and sales of companies on the Czech, Slovak and, thanks to incorporation of KB into the SG Group, also on the European and global market.
Corridor Structured Deposit
Structured Deposit Corridor extends the offer of deposit products, allowing clients a higher level of appreciation of free funds on correct estimation of market development. The client can decide whether to make the deposit in the form of a term deposit or deposit bill of exchange.
Cross Currency Swap
Cross Currency Swap is an agreement on exchange of principals of two currencies and the interest costs relating to these. Party A undertakes to purchase funds in currency 1 from party B for a certain amount of funds in currency 2, on a fixed date and also undertakes to sell back the same amount of funds in currency 1 for a certain amount of funds in currency 2 at the same exchange rate and on a later fixed date, no later however than within one year from conclusion of the transaction. Over the course of the transaction, the parties mutually pay interest on the currencies, which they purchased from each other at the start of the transaction.
Currency Forward
The Currency forward product is purchase or sale of one currency for another currency subject to a rate agreed in advance by the participating parties. Settlement of the transaction takes place with a forward value date (i.e. longer than 2 working days from the date the transaction is agreed).
Currency Option
The Currency option product represents the right (option) to purchase or sell a specific amount of one currency for another currency subject to the foreign exchange rate agreed by the participants in advance on the agreed date.
Currency Spot
A Currency spot operation is purchase or sale of one currency for another currency subject to a rate agreed in advance by the participating parties. Settlement of the transaction takes place as standard with a spot value date, i.e. two working days after the date the transaction is concluded.
Currency Swap
A Currency swap (or also Foreign exchange swap) operation is a combination of two transactions, spot and forward. This product consists in sale of one currency for another currency with settlement no later than on the spot value date and buyback/resale with settlement on the forward value date. Both transactions are concluded at the same moment.
Current account for capital composition
Prior to their establishment, trade companies are designated a Current account for capital composition for the purpose of fulfilling their statutory obligations.
Current Account in a Foreign Currency
A basic banking product with the option of using most other products and services offered by KB. A current account for depositing funds and for implementation of cash and cashless payment transactions. It allows you to gain related products and services offered by KB. The Current account in a foreign currency is offered in the following currencies: AUD, BGN, CAD, DKK, EUR, GBP, HUF, CHF, JPY, NOK, PLN, RON, RUB, SEK, TRY and USD.
Current Account in CZK
A basic banking product with the option of using most other products and services offered by KB. A current account for depositing funds and for implementation of cash and cashless payment transactions especially in CZK. It allows you to gain related products and services offered by KBincluding an authorised overdraft up to the level of CZK 3 million.
Custody of Securities
On the basis of a contract Komerční banka, a.s. will arrange for you the settlement of securities transactions and ensure their safekeeping, including corporate events related to the holding of securities (eg payment of dividend or coupon, redemption). Based on your requirement KB will arrange also opening of segregated custody accounts with the Central Securities Depository Prague or foreign depositories.
Development Financing
Development financing allows for financing of a development project, i.e. business plan, the aim of which is to build or purchase real estate for the purpose of its rental or sale.
Diners Club Corporate Card
Diners Club Corporate Card is a type of charge card that you can use as a classical payment or as a credit card. The loan on the card must always be repaid in full by the end of the interest-free period.
Direct Channel
Direct channel allows you to simply and quickly send payment orders and download bank statements directly in the environment of your accounting system. A simple and effective supplement to the MojeBanka service. An up-to-date list of accounting systems which Direct channel is fully integrated into can be found here.
Discount Loan
The Discount loan is a short-term loan, which speeds up access to funds from commercial receivables. Komerční banka discounts domestic bills of exchange in CZK and foreign ones issued in CZK and foreign currencies.
Documentary Collection
A classic documentary payment instrument used above all in foreign trade. This instrument is used in most countries around the world. Documentary collection provides the seller with the certainty that the submitted documents, and goods in the case of documents of title, will not be issued to the buyer until the collection conditions are met.
Documentary Letter of Credit
An effective tool for limitation of risks relating to purchase of goods. One of the most elaborate payment security instruments. A Documentary letter of credit offers high quality payment security for both parties to the commercial transaction – both the seller and the buyer.
Domestic Cashless Payment Transactions
Domestic cashless transfers can be submitted in CZK in favour of accounts in Komerční banka and to other domestic bank and in foreign currency, only to accounts in Komerční banka. Orders can be submitted at any branch of the bank. A Self-service box is available for clients. Orders can also be submitted with the aid of direct banking products.
Domestic Cash Payment Transactions
Domestic cash transactions allow you to deposit and withdraw cash in CZK and selected foreign currencies at KB branches. Cash can be deposited at cash counters and withdrawals are made using a withdrawal slip or cheque at KB branches, which provide cash services.
E-card
Do you want to be able to make absolutely secure purchases on the Internet? e-Card is a virtual card, which ensures fast and secure implementation of your on-line transactions.
EDI KB
KB EDI is an electronic banking service for transfer of large volumes of data. You can communicate with the bank 24 hours a day, send the bank large volumes of payments, both domestic (including express payments) and also foreign payments (express and urgent payments). You can also gain statements from the bank and debit and credit advice about payments just now being cleared on-line.
Electronic Pledging of Receivables
Make use of the simple and administratively undemanding process of electronic pledging of receivables. As specified in the contract, the client sends lists of receivables signed with an electronic signature via the MojeBanka or Profibanka application at regular intervals.
Export Buyer's Credit
The Export Buyer's Credit is a specific loan, which is provided by the exporter's bank to a foreign buyer/debtor (the debtor may be the foreign buyer's bank or the foreign buyer himself or herself). The loan is usually provided up to the level of 85% (in some cases up to 100%) of the value of the commercial contract concluded between the exporter and his or her foreign buyer.
Export Documentary Letter of Credit Advance Loan
A loan for pre-financing production or purchase of goods for export, which is covered by a signed export contract and open letter of credit. Provision of the loan is subject to acceptance of risk by the opening bank.
Extendible Bonus-Reset Forward
Extendible Bonus-Reset Forward allows the client to implement several currency forwards for a significantly more advantageous exchange rate than usual for zero initial costs. However, the client does not know the resulting exchange rate or exchanged nominal until the maturity date. The transaction can be extended by the extendible period.
Extendible Forward
Extendible forward allows the client to implement several currency forwards for a significantly more advantageous exchange rate than usual for zero initial costs. However, the client does not know the exchanged nominal or whether the exchange will take place at all until the maturity date of individual currency forwards.
Extendible Structured Knock-In Forward
Extendible Structured Knock In Forward allows the client to implement several currency forwards for a significantly more advantageous exchange rate than usual for zero initial costs. However, the client does not know the resulting rate, the exchanged nominal or even whether the exchange will take place at all until the maturity date of individual currency forwards.
Factoring
Factoring allows you to gain 80% of the value of an invoice immediately after it has been issued and the goods delivered. In addition to financing, this product includes a guarantee against insolvency (declared or not) on the part of customers as well as collection, administration and recovery (in the form of reminders) short-term receivables with deferred maturity up to 90 days (in exceptional cases up to 120 days).
Financial Promissory Notes
A Komerční banka investment banking product. The purpose is to find a counterparty on the market for a client who wants to borrow funds for a short time, which is willing to lend the money. Komerční banka acts as the service provider, which looks for a counterparty for the transaction. The bank then collects contractual commission from the issuer and the investor for provision of the transaction.
Financing of an Export Supplier Loan
Export supplier loan financing – the exporter provides the foreign buyer with deferral of payment for goods or services supplied. The receivable created for the exporter owed by the foreign buyer, which has deferred maturity, is assigned by the exporter to the bank. The bank charges a specific fee for this service and has no possibility of exercising recourse towards the exporter.
Foreign currency term deposit account
Safe and attractive valuation of your funds in KB term deposit accounts. You may deposit any amount starting from EUR 1,000 or USD 1,000 for the period you deem appropriate (from 1 week to 5 years). The interest rate is guaranteed throughout the term of the deposit. The account opening, maintenance, and cancellation are FREE OF CHARGE.
Foreign Payment Transactions
Foreign payment – the most widespread and simplest payment instrument in foreign cashless payment transactions. Cashless transfer of funds.
Forfaiting
Forfaiting is assignment to KB for consideration of a client's receivables due in the future, which were created in terms of commercial transactions implemented. This concerns purchase of receivables without recourse to the original owner.
Forward Accumulator
Forward Accumulator allows the client to implement a currency forward for a more advantageous exchange rate than usual for zero initial costs. However, the client does not know the precise nominal, which will be exchanged, until the maturity date of the Forward Accumulator.
Forward Accumulator with Knock-out Barrier
Forward accumulator with Knock-Out barrier allows the client to implement a currency forward for a more advantageous exchange rate than usual for zero initial costs. On the other hand, the client does not know the precise nominal, which will be exchanged, until the maturity date of the Forward accumulator.
Forward Boost
Forward Boost allows the client to implement a currency forward for an agreed nominal amount for a more advantageous exchange rate than usual for zero initial costs.
Forward Corridor
Forward Corridor allows the client to implement a currency forward for an agreed nominal amount for a more advantageous exchange rate than usual for zero initial costs.
Forward Rate Agreement
An FRA transaction(Forward Rate Agreement) is a contract between the bank and the client, the subject of which is an agreement on the future interest rate for a particular deposit or loan within a certain agreed future period of time, whereas no actual provision of a loan or acceptance of a term deposit occurs between the contracting parties, but only exchange of the difference between the interest agreed in terms of the FRA transaction (“FRA rate”) and the current market interest listed on the financial market in the agreed future period of time for the term deposit or loan, which precisely corresponds to the conditions of the FRA transaction.
Forward Scoop
Forward Scoop allows the client to implement a currency forward for an agreed nominal amount for a more advantageous exchange rate than usual for zero initial costs.
Cheques for Collection
Komerční banka mediates collection of cheques payable in any domestic or foreign bank. The service is available to KB clients and other holders of cheques. The bank is only the intermediary for collection of the cheque and does not guarantee its result.
Immediate Payout of Bank Cheques of other Domestic Banks Drawn up in CZK
Komerční banka, a.s.,cashes bank cheques of other domestic banks with which it has concluded an agreement on mutual payment of bank cheques issued in CZK. Cheques are cashed immediately after verification of the signature on the cheque.
Immediate Payout of Checks from Other Banks to the Debit of Loro Accounts Held with KB
Komerční banka ensures immediate cashing of cheques issued by other banks, issued to the debit of loro accounts held by KB subject to meeting of the stipulated conditions.
Immediate Payout of Cheques Drawn Up in a Foreign Currency
Komerční banka, a.s., cashes certain foreign cheques for its clients and cheque holders who are not its clients immediately on presentation. The quality of the cheque and KB conditions for cashing of foreign cheques are decisive for cashing of the cheque.
Interest Option
In general, an option represents the right to purchase or sell a defined instrument on the agreed date. In the case of an interest rate option, the instrument is understood to mean exchange of payments from the agreed fixed rate for payments from the determined reference interest rate. Interest rate option allows the buyer to hedge his or her position against increase or decrease of interest rates.
Interest Swap
Interest rate swap is an agreement on exchange of cash flows denominated in one currency, which are derived from a fixed or variable basis. Party A undertakes to pay party B the agreed fixed interest on the agreed principal for the agreed period on the agreed maturity dates and at the same time, party B undertakes to pay party A the agreed variable interest on the agreed principal for the agreed period on the agreed maturity dates.
Issue of Bonds
Primary issue of bonds represents a standard form of medium-term to long-term financing of bank, municipal or government activities via the capital market.
KB EU Point
KB EU POINT is a consultancy service from Komerční banka for the field of financing projects with grants from the EU structural funds and other sources.
KB FleetLease
KB FleetLease is used by corporate clients for financing and operation of their vehicle fleet. The main product is full-service leasing, but the offer also includes operational leasing without services, reverse leasing and fleet management.
KB FlexiRámec
With KB FlexiRámec, you will receive a framework contract, which allows you to request drawing on various types of business loans and Trade Finance products.
KB Komplet
Make use of aversatile package of banking products and services, which can be drawn up according to your personal requirements. Komplet includes a current account in CZK or foreign currency (or both alternatives), direct banking services, domestic payment transactions, a business payment card and discount on foreign payment transactions (outgoing payments).
KB Leasing
KB Leasing is intended for financing of investments over CZK 1 million. It is provided as financial or operational leasing. Both forms of leasing provide attractive tax savings.
KB Private Cheques
KB issues clients with blank private cheques for all types of current accounts.
Loan for Investment in CZK and in a Foreign Currency
A loan for acquisition of tangible or intangible fixed assets (buildings including projects, machinery and equipment or sets of these etc.) up to the level of the contractual price.
Loan for Purchase of Shares or Business Shares in a Trading Company in CZK or in a Foreign Currency
The loan is provided for financing of purchase of a business share in a commercial company and for purchase of shares into a strategic portfolio including privatisation.
Mark-to-market Forward
Mark-to-Market Forward allows the client to secure himself or herself against exchange rate risk and at the same time, limit the maximum risk of negative revaluation in the event of inauspicious development. The parties to the transaction agree on a forward exchange rate and on a rate limiting the maximum risk of negative revaluation.
Mini Range Forward
Mini Range Forward allows the client to implement a currency forward for a more advantageous exchange rate than usual for zero initial costs.
MojeBanka
Simple communication with the bank via the Internet. MojeBanka – a modern Internet banking service from Komerční banka. MojeBanka allows you to gain information about your accounts and to perform banking operations from the comfort of your own home or office at any time of the day or night regardless of branch opening hours. MojeBanka utilises an advanced security solution based on electronic signature standards.
MojeKarta
MojeKarta – a card with your own design. Thanks to the MojeKarta service, you can design your own card just the way you like. You could for example have a picture of a favourite place, pet, your family or friends on the card.
MojePlatba
MojePlatba allows you to connect your e-shop with Komerční banka direct banking. You have the money for goods and services in your account immediately.
Mortgage Loan in CZK or in a Foreign Currency
A medium-term or long-term loan intended for investment, especially into real estate, which must be secured by mortgaging of real estate.
MULTICASH
KB MULTICASH is an international multi-banking system, which allows you to operate accounts held in various banks in the Czech Republic and abroad. Via this single application, you can communicate with the bank 24 hours a day, send the bank large volumes of payments, both domestic (including express payments) and also foreign payments (express and urgent payments), conveniently and in an automated manner, as well as gaining statements from the bank and debit and credit advice about payments just now being cleared on-line.
Multicurrency – acceptance of payment cards in foreign currencies
Service enabling receipt of payments in EUR, USD, GPB and RUB directly to a foreign-currency account in the given currency.
Operational Loans for Business
Komerční banka offers you short-term, medium-term and long-term loans for operational and investment requirements for current funds or for a temporary lack of funds. The method of financing is a one-off loan, revolving loan or bank overdraft in a current account.
Payment of Dividends and Other Direct Payments
Komerční banka offers the possibility of bulk payment of dividends or similar monetary amounts to a large group of natural persons and corporate entities. The bank performs this bulk payment via the branch network throughout the whole of the Czech Republic. Amounts may be paid out in cash or by means of cashless transfer.
Perfect Savings
Take advantage of the attractive annual interest rate up to 2.50% and benefit from safe valuation of your funds. Use the Perfect Savings and deposit any amount exceeding CZK 5,000 for the period of 2, 3, 4 or 5 years, whereas the interest rate is guaranteed throughout the term of the savings. Any accrued interest is credited every 3 months. If need be, the deposited funds will be released immediately. The account is set up, maintained, and cancelled free of charge.
Permanent Forward Accumulator
Permanent forward accumulator allows the client to implement a currency forward for a more advantageous exchange rate than usual for zero initial costs. On the other hand, the client does not know the precise nominal, which will be exchanged, until the maturity date of the Forward Accumulator.
Permanent Forward Accumulator with Knock-out Barrier
Permanent forward accumulator with Knock-Out barrier allows the client to implement a currency forward for a more advantageous exchange rate than usual for zero initial costs. However, the client does not know the precise nominal, which will be exchanged, until the maturity date of the Forward Accumulator.
Photofinance: Programme for financing of photovoltaic power plants
Photovoltaics is one of the relatively easily available solutions for use of renewable sources of energy. Purchase prices guaranteed by the state over the long term, tax advantages, savings on own costs, and other benefits – all of this makes construction of photovoltaic solar power plants a profitable and safe investment.
Ponte II Programme
Loans in the Ponte II Programme for financing projects with grants from the European funds. A loan for pre-financing a grant resolves the time discrepancy between payment of project costs and receipt of the grant. The loan for co-financing a project can be used to pay for costs, which are not covered by the grant.
Profibanka
Profibanka PC banking is a KB direct banking product. It provides a comprehensive solution for the requirements of companies in the field of payment transactions. Operation is very simple and intuitive. The service uses an advanced security solution based on electronic signature standards.
Program for Financing of Agricultural Biogas Plants
Biogas plants are another way to make use of an alternative energy source from biomass. Make use of the services provided by the team of KB experts, who will provide you with individual consultation from when you process the business plan for the construction and financing of the biogas plants.
Programme Employer
Programme Employer for your employees. Programme Employer allows every employer to find an advantageous individual solution for their personal financial requirements. This will save your company time and money thanks to cashless transfer of salaries to the accounts of your employees in KB.
Ratchet
Ratchet allows the client to implement a set of currency forwards for a more advantageous exchange rate than usual for zero initial costs. The resulting right or obligation of the client to exchange the standard or increased transaction nominal and the resulting exchange rate depends on the development of the reference spot rate, more precisely, on breaching of the defined barriers.
Receivables Discounting (With Recourse)
Receivables discounting is assignment to KB for consideration of a client's receivables due in the future, which were created in terms of commercial transactions implemented. This concerns purchase of receivables without recourse to the original owner.
Scoop Structured Deposit
Structured Deposit Scoop extends the offer of deposit products, allowing clients a higher level of appreciation of free funds on correct estimation of market development. The client can decide whether to make the deposit in the form of a term deposit or deposit bill of exchange.
SEPA EuroPayment
Do you make payments in EUR? Then the SEPA EuroPayment is the perfect product for you – a KB product which can be used to make payments within the SEPA area (= EU 27 + Iceland, Lichtenstein, Norway, Monaco and Switzerland).
Soft Forward Accumulator
Soft forward accumulator allows the client to implement a currency forward for a more advantageous exchange rate than usual for zero initial costs. On the other hand, the client does not know the precise nominal, which will be exchanged, until the maturity date of the Forward accumulator.
Soft Forward Accumulator with Knock-out Barrier
Soft forward accumulator with Knock-Out barrier allows the client to implement a currency forward for a more advantageous exchange rate than usual for zero initial costs. On the other hand, the client does not know the precise nominal, which will be exchanged, until the maturity date of the Forward accumulator.
Structured Binary Deposit
Structured Binary Deposit extends the offer of deposit products, allowing clients a higher level of appreciation of free funds on correct estimation of market development. The client can decide whether to make the deposit in the form of a term deposit or deposit bill of exchange.
Structured Digital Deposit
Structured digital deposit extends the offer of deposit products, allowing clients a higher level of appreciation of their free funds on correct estimation of market development. The client can decide whether to make the deposit in the form of a term deposit or deposit bill of exchange.
Structured Dual Deposit
Structured dual deposit extends the offer of deposit products, allowing clients a higher level of appreciation of their free funds on correct estimation of market development. The transaction includes a limit condition, which determines the method and currency of payment of the deposit. Payment of the principal and interest either takes place in the deposit currency or in another agreed currency. The client can decide whether to make the deposit in the form of a term deposit or deposit bill of exchange.
Structured Financing
Structured financing - this is the joint name for a entire range of financing products and procedures that Komerční banka offers to a specific group of corporate clients.
Structured Reverse Dual Deposit
Structured reverse dual deposit extends the offer of deposit products, allowing clients a higher level of appreciation of their free funds on correct estimation of market development. The transaction includes a purchase option agreed in favour of the bank, on the basis of which, the bank is entitled to ask the client to sell the bank the agreed currency on the maturity date at the level of the deposit nominal subject to an exchange rate agreed in advance. The bank is only entitled to exercise the option if the limit condition is met. The client can decide whether to make the deposit in the form of a term deposit or deposit bill of exchange.
Supplementary Pension Insurance
Supplementary pension insurance with a state contribution for retirement without any financial worries. A long-term savings product for creation of sufficient financial reserves for your retirement.
Swaption
Swaption represents the right to enter into swap on some future date. The buyer of swaption gains a right (not obligation) to close a swap (swap defined in advance – notional amount, exchanged interest payments, calculation periods, maturity) with the seller of the swaption. The buyer pays option premium to the seller for this right.
Syndication Loan
The Syndicated loan is a special category of loan. Komerční banka, in the role of the arranger, forms a group of creditors which will finance the debtor. As the potential debtor, you can ask various arrangers to present offers, from which you select a specific solution according to your individual requirements.
Target Accumulator
Target accumulator allows the client to implement a series of currency forwards for a more advantageous exchange rate than usual for zero initial costs. The client does not know the precise nominal, which will be exchanged, until the maturity dates of the individual forwards. If the target amount is accumulated, the transaction ends and the remaining currency forwards are not settled at all.
Term deposit account maintained in CZK
Safe and attractive valuation of your funds in KB term deposit accounts. You may deposit any amount starting from CZK 5,000 for the period you deem appropriate (from 1 week up to 12 months). The interest rate is guaranteed throughout the term of the deposit. In case you own any of the specified current account packages, you will receive additional interest rate bonus of 0.2% per annum. The account opening, maintenance, and cancellation are FREE OF CHARGE.
Term Deposit with Individual Rate
The Term deposit with individual interest rate represents the possibility of saving free funds subject to very favourable interest conditions, derived directly from the current prices on the interbank market.
TF OnLine – Modern Application for Provision of Trade Finance Products
The TF OnLine application for secure communication with the bank in terms of Trade Finance products. This is used for sending requests for issue, performance of changes and monitoring the current states of processing of Trade Finance products. Available from anywhere in the world, 24 hours a day, 7 days a week.
Trading Deposit Bill of Exchange
The Promissory note of Trading offers depositing of free funds subject to very favourable interest conditions derived directly from the current prices on the interbank market. The Promissory note of Trading is a non-transferable promissory note with a maturity of 1 day to 12 months, which is issued in CZK and in certain foreign currencies.
Trading with Debit Notes
Provision of purchase and sale of bonds on the Prague Stock Exchange (PSE) or on international markets including settlement of transactions and management – c-client.
Trading with Debit Notes on the Prague Stock Exchange
Procurement of purchase and sale of bonds on the Prague Stock Exchange (PSE) including settlement of the transaction and administration.
Trading with Emission Permits
Trading with emission permits allows the client to optimise the number and structure of permits held, or gain free capital. Trading with emission permits is subject to value added tax.
Trading with Securities
Provision of purchase and sale of shares on the Prague Stock Exchange (PSE) or on international markets including settlement of transactions and management – c-client.
Trading with Securities on the Prague Stock Market + E86
Procurement of purchase and sale of shares on the Prague Stock Exchange (PSE) including settlement of the transaction and administration.
Vital Programme
The Vital Programme is an advantageous means of motivation for your employees and your company. The Vital Programme allows the employee to choose from two types of life insurance. What is more, the company's tax base is decreased by the contributions paid to employees without limitation.
Warrant Trading
Procurement of purchase and sale of warrants on the Prague Stock Exchange (PSE) or on international markets including settlement of the transaction and administration – c-client.
Wedding Cake Structured Deposit
Structured Deposit Wedding Cake extends the offer of deposit products, allowing clients a higher level of appreciation of free funds on correct estimation of market development. The client can decide whether to make the deposit in the form of a term deposit or deposit bill of exchange.
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