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All of KB's offers
Acceptance of payment cards
Acceptance of payment cards via a payment terminal or internet allows you to offer your customers the option of paying for goods and services with a payment card. With KB, you can accept generally known payment cards from all card associations issued by any bank in the Czech Republic or abroad. You can also offer new and existing clients the Cash back service, which enables them to withdraw the cash they need at the checkout when paying by card.
Agreement on the Administration of a Purchase Price
The nature of the Agreement is the payment of the purchase price in the amount resulting from the purchase contract, the commitment of the bank to take the purchase price into administration and to pay the administered purchase price under the agreed terms (administered amount) to the seller or to return it to the purchaser.
Authorized overdraft on business current account
Authorized overdraft is a short-term contocurrent account (an account with an overdraft facility) in Czech currency which is used to finance deviations in the current funds of the client and is provided to the client's business current account. The client may draw on financial funds in the account up to the contractually agreed limit of the negative balance.
Bank Guarantee
Are you looking for an effective way to reduce your company's business risks? One way is to arrange a bank guarantee, one of the most frequently used security instruments available. A bank guarantee is a written declaration from a bank in the form of a letter of indemnity, which guarantees to satisfy a creditor's (beneficiary) claim for a certain financial amount if a debtor does not meet obligations or other conditions specified in the letter of indemnity. A bank guarantee is a universal security instrument that can be used worldwide.
Bankokarta
Do you need the ideal card for your every day payment needs? The first card to be issued with an EMV compliant chip in the Czech Republic ensures your complete security and peace of mind. Issued with either the Visa Electron or Maestro brand, this card allows you to withdraw cash from ATM's, or to make purchases in over 30 000 locations across the country.
Bank overdraft for a definite period and for an indefinite period in CZK and in foreign currency
Bank overdraft is used to finance operating requirements resulting from the business activity of the client. The credit is maintained on the current account of the client.
Barrier currency option
Barrier Currency Option enables to buyer to hedge his position against an undesirable development of currency rates. Barrier Currency Options can be divided into "Knock in" and "Knock out". Knock in options are options that behave same as currency call/put options, if they are activated during their life. Knock out options are options that behave same as currency call/put options, if they are not de-activated during their life (then they cease to exist). The measure of accepted risk results from the characteristic of Barrier Currency Options.
Bond issue
Primary emission (issue) of bonds represents the standard form of medium-term to long-term financing of activities of the enterprise, municipalities or the state through the capital market.
Business loans for project financing with support from the EU SF - Ponte Programme II
For the financing of projects supported from EU Structural Funds, two basic types of credits can be obtained: Loan for financing of EU grand and Standard loan for co-financing of the project.
Business operational loans
These are short-term, medium-term and long-term credits which can be obtained for operating requirements, investment requirements, current assets and for the temporary insufficiency of financial funds. The method of financing is a simple revolving or current account with an overdraft facility.
Business Silver Card
Does your company need a business payment card that will allow you to draw high weekly limits? Then the Business Silver Card, an international business card issued by KB for demanding clients, may be what you are looking for. The card also offers exclusive supplementary services, including the Travel insurance to gold and silver cards, UAMK assistance services and special terms for joining the ČSA loyalty program.
Capital markets trading
Do you have free financial resources? Would you like to invest in stocks, bonds or mortgage bonds? Are you interested in trading on the Prague Stock Exchange? Then you may use the services of KB in the area of capital markets trading!
Cash back - cash withdrawal at a vendor's cash desk with the use of credit cards
Cash back enables your clients to withdraw cash from a cash desk when paying by card. The service applies for VISA, VISA Electron, V Pay, Maestro, MasterCard Electronic and MasterCard (personal and business) debit cards, credit cards and charge cards, not only for cards by Komerční Banka, but also other banks that enable this service for their clients.
Corporate finance advisory
Corporate finance advisory for KB clients helps to implement plans of a strategic character. The Enterprise Finances team provides consulting services during acquisitions and the sale of companies within the Czech, Slovak and, via the incorporation of KB into the SG Group, the European and global markets.
Corporate program Domino
Would you like to increase the motivation and loyalty of your employees? If so, you may make use of the Corporate program Domino - the package enabling all your customers to find an advantageous individual solution to his/her personal financial needs. Due to the non-cash electronic transfer of your employee salaries to their respective accounts in KB, the program will save both time and money for your company. The program will help to increase labor productivity of your employees and decrease their turnover costs.
Cross currency swap
Are you looking for an efficient way to restrict the currency and interest rate risks? Then you can use the Currency Swap of the CCS type (Cross Currency Swap). This is basically an agreement about exchanging the security of two currencies and the interest costs related to these. Party A undertakes to purchase money in currency 1 from party B for a certain amount of money in currency 2, as of the firmly-set date and at the same time, it undertakes a reverse sale of the same amount of money in currency 1 for a certain amount of money in currency 2 in the same exchange rate and as of the firmly-set later date (within one year upon concluding the deal at the latest). Within the deal's duration, the parts mutually pay the interests of the currencies which they purchased at the beginning of the deal from each other.
Currency forward
Currency forward is a purchase or a sale of one currency for another currency in the rate agreed in advance between involved parties. The deal is settled with the forward value date (thus longer than 2 business days).
Currency Option (European type)
Currency Option represents a right (an option) to buy or sell a given amount in one currency for another currency, for the rate agreed in advance by counterparts, on the declared date.
Currency spot
Currency spot is a purchase or a sale of one currency for another currency in the rate agreed in advance between involved parties. The deal is settled with the spot value date, thus in two business days after the trade date.
Currency swap
Currency swap is a combination of two transactions, spot and forward.
This product consists in a purchase of one currency for another currency with at the latest spot settlement and a re-sale with a forward value date settlement.
Both transactions are concluded at the same moment.
Current account in CZK
Are you looking for a basic banking product that opens the door to most other KB products and services? You'll find it in the current account where you can deposit funds and make cash and non-cash payments in CZK. It also enables you to obtain associated KB products and services, e.g. mojebanka internet banking, profibanka PC banking, Expresní linka phone banking, or an authorized overdraft up to 3 milion CZK.
Current account in foreign currency
Are you looking for a basic banking product that opens the door to most other KB products and services? You'll find it in the current account where you can deposit funds and make cash and non-cash payments. It also enables you to obtain associated KB products and services, e.g. mojebanka internet banking, profibanka PC banking or Expresní linka phone banking. KB maintains current accounts in the following currencies: USD, EUR, AUD, CAD, CHF, GBP, JPY, NOK, PLN and SEK.
Custody Services
Custody services allow you the transactions settlement and safekeeping of assets at both national and international securities depositories. In addition, portfolio of custody services spans the income collection, corporate actions management and proxy voting services.
Developer financing
Developer Financing enables to finance a development project, i.e. a business plan whose objective is to build or purchase real estate to lease or sell.
Diners Club Corporate Card
Diners Club Corporate Card is a payment/credit product. This is a charge card so the card credit must always be paid off completely by the end of the interest-free period - in contrast to a credit card where it is enough if the only minimum amount is paid off.
Diners Club Road Account
Do you work in road transport and are you looking for an effective tool to pay highway tolls? The Diners Club Road Account is a charge card, which allows you to draw on funds for highway tolls using a short-term loan provided by Diners Club. For a minimal monthly fee of CZK 75 you get an easy way to pay highway tolls in the Czech Republic and Austria. Using the Diners Club Road Account you can postpone your payments for up to 48 days, and easily manage your company's cash flow. The card is blocked for all other types of transactions (ATM withdrawals, payments for goods), which makes it a highly secure payment tool. With a Diners Club Road Account, you do not need to keep your on-board unit charged and provide cash to your drivers. The card allows you to register all of your company's cars.
Direct channel
Do you want to send payment instructions easily and quickly and to load bank statements directly
from your accounting system environment? This is possible through the Direct channel, a simple
and efficient superstructure for the mojebanka service. The Direct channel saves time, makes
operations easier and reduces errors. You can find here
an updated list of accounting systems fully integrating the Direct channel. The service has been
designed for clients that use accounting systems in communication with the Bank or who need to
transfer large volumes of payments and statements (more than 3,500 payments per month). The service
is easy to operate and comes with top security protection based on electronic signature standards.
You can send an application for the personal or company certificate here.
Discount loan
Discount loan is short-term loan which speeds up access to cash from trade receivables. Komerčni banka discounts domestic drafts (matured within the territory of the Czech Republic) in Czech crowns and foreign (matured outside the territory of the Czech Republic), issued in Czech crowns and foreign currency.
Documentary collection
Does your company do business with trustworthy partners were documentary letters of credit would seem to be superfluous, yet at the same time you don't want to carry out transactions with no security at all? Then documentary collection may be exactly what you are looking for. This is a classic documentary payment instrument used in both domestic and foreign trade in most countries round the world. Documentary collection guarantees the vendor that submitted documents and/or goods in the case of documents of title are not released to the buyer without the buyer meeting set terms of collection.
Documentary Letter of Credit
Does your company need an effective instrument to reduce risks related to purchase of products that would at the same time provide securities to your business partners? Then it may be a good idea to make use of Documentary Letter of Credit opportunities, one of the most elaborated payment security instruments. A Documentary Letter of Credit offers an excellent payment security for both parties of business transactions - the seller and buyer.
Domestic payments in cash
Domestic payments in cash allow you to make cash deposits and withdrawals in Czech crowns and selected foreign currencies at KB business locations. Cash can be deposited either at KB cash counters, through night safes or in a sealed package. Withdrawals are possible either using withdrawal slips at the client's home branch or by personal cheque throughout the KB branch network.
Dynamic Card
The card for your every day payment needs. It provides attractive discounts and benefits at the country's largest network of petrol stations. Through a proud partnership with Benzina, we bring you a payment card with benefits attractive to motorists everywhere. With this Visa Electron card you can make payments in store or withdraw cash from ATMs all over the world. Additionally, a 2.2 % discount on fuel and other goods at Benzina petrol stations countrywide makes this more than just a payment card.
E-card
Would you like to be able to shop via the internet with complete confidence in the safety of your finances? If so, e-card is the payment product for you. Not really a card at all, the e-card is a virtual card which uses special security measures to ensure your on-line transactions are completed quickly and safely.
EDI KB
Does your company use the automated processing of data and need to exchange large amounts of data with the bank? If so, you can become a user of EDI KB electronic banking, based on the structured forms of the international standard UN/EDIFACT. The client can communicate with the bank 24 hours a day, while sending large volumes of payments both domestic (including the express payments) and foreign (express and urgent), or she/he can obtain from the bank statements, debit and credit advice about payments which are being processed in an on-line regime, in a comfortable and automated way.
Electronic Pledge of Receivables
In regular intervals in relation to the concluded contract, the client obtains through the MojeBanka or ProfiBanka application, receivables signed by electronic signature resulting in the actual receivables pledge. It is not necessary to print the reports of the receivables in paper form and consequently deliver them to KB. The whole process is very simple and administratively uncomplicated.
European Investment bank loan for Small and medium sized entrepreneurs
European Investment Bank (EIB) has developed new facility focused on Small and Medium sized Entrepreneurs (SMEs). Lower interest rate will enable KB to provide cheaper loans by 0,35% p.a.
Export documentary Letter of Credit advance loan
This is loan for the financing of production or the purchase of goods for export which is covered by a signed export contract and an opened letter of credit. The provision of credit is conditioned by the risk acceptance of the opening bank.
Export financing - Export consumer loan
The Export consumer loan is a specific loan provided by the bank of the exporter for the foreign purchaser / debtor (the debtor can be the bank of the foreign purchaser or the foreign purchaser). The loan is usually provided up to a level of 85% (in some cases up to 100 %) of the value of the business contract concluded between the exporter and his foreign purchaser.
Export financing - Export supplier loan financing
An export supplier loan is provided by the exporter to the foreign purchaser for the delivery of goods or services, i.e. the foreign purchaser can postpone the payment for the delivered goods or services. The originated receivable of the exporter from the foreign purchaser that has postponed maturity is passed by the exporter to the bank which charges a fee for this service so it does have possibility to apply retroactive regress on the exporter.
Export financing - Loan for the investments of Czech firms abroad
To finance investment projects abroad, a loan provided in relation to the investments of Czech corporate bodies abroad can be used; this is a medium-term or long-term loan (with a maturity of more than 3 years), which is provided to a foreign company controlled by a Czech company, for investments abroad (or in some cases directly to the Czech firm).
Factoring
Factoring enables the acquisition of 80 % of the value of an invoice immediately after its issue and the delivery of goods. It includes financing, a guarantee against payment insolvency or the poor financial status of customers and the collection and administration of short-term receivables with a deferred maturity within 90 days.
Financial promissory note
Does your company need a short-term loan or want to increase the value of its temporary available financial status? In that case, it can use financial promissory notes. This is a KB Investment banking product. It targets clients who need short-term borrowing, and who seek a partner (investor) who is willing to lend the money. Komerční banka has a provider's role in searching business counterparties. Then the bank collects a contract provision for a settlement between the issuer and the investor. The financial promissory note is a transaction tool, issued by the bank on behalf of the issuer (debtor) to the order of the investor (lender). The promissory note is transferable and it is issued with the due term from 1 day up to 12 months.
Foreign system of payments
Foreign payment (payment or bank transfer) is the most widespread and simplest payment instrument in the international non-cash payment system. Foreign payment is a transfer of financial funds ordered by a client of one bank in favour of a client of another bank. Payments are carried out through interbank accounts of the sender's and the beneficiary banks or, if necessary, of intermediary banks.
Forfaiting
Forfaiting is the purchase of the clients future due receivables by the bank. These are receivables from implemented business events and the purchase is made without the retroactive sanctioning of the original owner of the purchased receivable.
Forward Rate Agreement
FRA (Forward Rate Agreement) is a contract concluded between the bank and the client, the object of which is an agreement on the future interest rate for a particular term deposit or loan within a certain agreed future term. At the same time, no party actual provides to the other party a loan or accepts a term deposit from the other party, but the parties only exchange the difference between the interest rate agreed in the FRA transaction (the "FRA rate") and the actual market interest rate published on the financial market within the agreed time limit with respect to the term deposit or loan, which corresponds exactly to the terms of the FRA transaction.
Gold Card MasterCard / VISA
Do you demand the maximum from your payment card? Gold cards have long been recognised as the pinnacle of payment services. Our Gold cards, issued in partnership with MasterCard and VISA, are the most recognised and welcome means of payment in the world. Open the door to another world and enjoy not only peerless service, but also juicy extras such as the Travel insurance to gold and silver cards for trips abroad, worldwide assistance service ÚAMK for motorists, and inclusion in the ČSA OK Plus Frequent Flyer program.
Cheques for collection
KB mediates the collection of cheques payable at any domestic or foreign bank, both for KB clients and non-clients. The bank is only a mediator of the cheque collection and is not responsible for the result.
Immediate payment of bank cheques issued by other domestic banks in CZK
Komerční banka, a.s., pays out bank cheques of other domestic banks with which it has an agreement on mutual payment of bank cheques issued in Czech crowns. Cheques are paid to existing clients or cheque holders who are not KB clients upon submission and following verification of the signature on the cheque.
Immediate payment of cheques issued by other banks against loro accounts at KB
Cheques issued against loro accounts at Komerční banka, a.s., are immediately paid to all KB clients and not clients
cheque holders, provided they are able to demonstrate legal ownership of these cheques. With cheques issued against loro
accounts, the rightful cheque holder can be certain that the cheque will be paid immediately at any KB branch, irrespective
of the cheque amount.
A condition for immediate payment is that all other formal requirements are met.
Immediate payment of cheques issued in foreign currency
Komerční banka, a.s. pays certain cheques (either in cash or to an account) to its clients or cheque holders who are not its clients after being submitted. Criteria for determining whether a cheque will be paid immediately or accepted for redemption are the quality of the cheque and KB terms and conditions for the payment of foreign cheques. KB pays the following types of cheque immediately:
- traveller's cheques
- bank cheques issued by KB
- bank cheques payable at KB
- bank cheques (following verification of the signature on the cheque)
- money orders
- social welfare cheques
- cheques submitted by clients with a "Contract for the Payment of Foreign Currency Cheques Presented for Redemption"
Individual asset management
Do you have a considerable amount of money (at least 10 million CZK), which will be available for a longer period (a minimum of 6 months) and which value you would like to increse? Then the Individual Asset Management is the right thing for you. It is based on the establishment and management of a portfolio consisting of selected instruments on the financial market. This portfolio is managed by a responsible person in the Asset Management department of KB based on a contract and on the basis of authorization provided by the client. clientTrading is conducted on the client's account.
Interest Rate Option
In general, the option represents a right to buy or sell the defined instrument on agreed dates.
The instrument, in case of the interest rate option, is the exchange of payments from the agreed fixed rate for the payments from the determined floating interest rate.
Interest rate option enables to the buyer to hedge his position against the increase or the decrease of interest rates.
Interest Rate Swap
Interest rate swap (IRS) is an agreement on an exchange of cash flows denominated in one currency that are derived from a fixed or a variable base.
Party A undertakes to pay a party B agreed fixed interest on an agreed principal, for an agreed period, as of agreed due dates. At the same time the party B undertakes to pay the party A agreed float interest on the agreed principal, for the agreed period, as of agreed due dates.
Investment loan in CZK or foreign currency
This is loan for the acquisition of tangible and intangible investments (constructions, including projects, machines, equipment and sets, etc.), up to the level of the contractual price.
KB bank cheques
Do you need to make business payments or settle personal obligations other than by bank transfer, yet at the same time still ensure safe payment? Then KB Bank Cheques issued by Komerční banka are the ideal choice. KB guarantees cheque payment (provided the cheque has not been cancelled, possibly announced as stolen or lost), which means that the recipient is also assured of payment. KB issues Bank cheques in various currencies (CZK, CAD, CHF, DKK, EUR, GBP, NOK, SEK and USD). Bank cheques can be issued by transfer of the current account in an unlimited amount, possibly by payment of cash up to 100,000 CZK or its equivalent in FX.
KB EU POINT - Our subsidies services
KB EU POINT is a consulting service provided by Komerční banka for the financing of projects with subsidies from EU structural funds and other sources.
KB FleetLease
KB FleetLease is for company clients for the financing and operation of rolling stock. There is the option to use as operative or financial leasing or in the form of full-service leasing or fleet management.
KB FlexiRámec
KB FlexiRámec is a general agreement which enables you to apply to draw on various types of business credits and trade finance products.
KB Komplet
Does your company need a flexible package of banking products and services that you can put together according to your own requirements? This is precisely what the KB Komplet financial package offers medium and large companies handled by MEM business centers. Komplet includes a current account in crowns or a foreign currency (both alternatives are also possible), direct banking services, domestic payment transactions, an international business payment card, discount on foreign payment transactions (outgoing payments) and an authorized overdraft of up to CZK 3 million.
KB Leasing
KB Leasing is especially for clients who want to finance investments over CZK 1 million. It is provided as financial or operative leasing.
Loan for purchase of shares or ownership interest in CZK or foreign currency
This loan is provided for financing the purchase of ownership interest in a company and for the purchase of shares into a strategic portfolio, including privatisation.
Mojebanka
Do you want to communicate easily with your Bank and make the most of your banking transactions
through the Internet? If so, then Mojebanka, a modern internet banking service from Komerční banka,
is just what you need. The service will enable you to receive information about your accounts,
carry out banking transactions comfortably from your home or office, at any time day and night,
regardless of branch business hours. The Mojebanka service is easy to use and comes with top
security protection based on electronic signature standards.
You can send an application for the personal certificate here.
Mojekarta - the card with your own design
Do you want a card like no one else's? We have prepared a new service for you called Mojekarta where you can design the look of your company card yourself. You can place your company logo or a photo of your colleagues, etc. on the card. You can have a unique and original card for you or your colleagues.
Mojeplatba
Do you operate an internet store with goods or accept payments for services from your customers? Would you like to have the money for the goods and services on your account immediately? Do you want to simplify payments for your customers and to speed up dispatch of goods as much as possible? Then the Mojeplatba (MyPayment) service is intended exactly for you. It allows you to interconnect your internet store or portal with direct banking of Komerční banka (Commercial Bank).
Mortgage loan in CZK or foreign currency
This is medium-term or long-term loan used for investment, particularly into real estate which must be secured by the right of lien to the real estate, including real estate under construction.
MULTICASH
Does your company use automated data processing technology and does it need to exchange large volumes of data with the bank? In this case, you can become a user of KB MULTICASH. The client can communicate with the bank 24 hours a day, send the bank large volumes of payments in a convenient and automated manner - both domestic (including express payments) and foreign (express and urgent payments) - and on the other hand, get online statements from the bank as well as debit and credit advice about payments currently being cleared.
Non-cash domestic payment transactions
Do you need to transfer money between your accounts at Komerční banka or between your accounts at KB and accounts at other domestic banks? Then you will no doubt appreciate the benefits of our non-cash domestic payment transactions. Komerční banka accepts written payment orders for domestic payments from the client at the client's home branch. You do not have to waste your time queuing at the counter, because you can use self-serviced deposit boxes.Payment orders can also be made using direct banking products.
Payment of dividends and other direct payments
Does your company need to pay dividends or similar payments to a large group of physical and legal entities? Komerční banka can handle these bulk payments for you through its network of branches across the Czech Republic. Payments are made in Czech crowns, in cash or by non-cash transfer - depending on the terms agreed with the client.
Pension Insurance
Do you want to live without financial worries when retired? The Pension Insurance with State contribution can help you. It is a long-term savings product allowing a client to accumulate sufficient funds to be drawn after retirement.
Prestige Card
Does your company need a payment card that it can rely on in any situation? Not only can the Prestige Card be used for payment, the card also gives the cardholder automatic travel insurance on trips abroad. The Prestige Card is a better instrument for your company than ordinary payment cards. You can also monitor card use by choosing the frequency of statements that suits your needs. Managerial control over card use is also maintained by the ability to set various limits on funds drawn.
Profibanka
Are you interested in a direct banking service that combines the advantages of internet banking
with the efficiency of local applications? We have prepared the PC banking Profibanka, a top
direct banking product from KB, in order to provide a comprehensive solution for companies'
payment systems. With Profibanka you can carry out all banking transactions comfortably at home or
in your office, at any time day and night, regardless of the branch business hours. The service
is easy to use and employs top security protection based on electronic signature standards.
You can send an application for the personal certificate here.
Profi loan
Profi loan is short-term or medium-term loan which has a significantly shortened and simplified approval process. This loan is especially prepared for entrepreneurs and small and medium sized enterprises and serves for the financing of current funds, the acquisition of tangible investment assets and the financing of operating requirements.
Program Vital
Are you an employer who is willing to motivate your employees through higher financial evaluation under recognized tax conditions - favorable to both the company and the employees? Then Program Vital is the right product for you within which the employee has an opportunity to choose from two types of life instance. This depends on whether the employee prefers the savings insurance which is brings him/her better financial evaluation at the age of retirement or whether he/she intends to protect his/her family members. The program will allow you to motivate your employees and at the same time decrease the tax base of your company from contribution to your employees without any stint.
Promissory note of Trading
Do you possess a large amount of available money which value you want to increase? One of your choices is the Promissory note of Trading (DST). This will allow you to deposit the money under a very favorable interest rate which is based on the actual rates of the interbanking market. This is a non-transferable note, which is issued with the validity between 1 day and 12 months. It is issued in CZK or in several foreign currencies (EUR, USD and GBP). The minimum value of one deal is 20,000,000 CZK or the equivalent amount in another currency.
Receivables discounting
The Receivables discounting is paid for passing and matured receivables for the future receivables of the client which originated within the implemented business events to Komerční banka. This is the purchase of receivables with retroactive sanctioning of their original owner.
SEPA EuroPayment
So you make payments in EUR? Then SEPA EuroPayment is here for you - it is a European Council project for payment systems. The aim is to integrate the payment system and create a single euro payment area. It will enable payers to make cashless payments to the credit of payees anywhere in the eurozone using a single account and a single system of payment tools.
Stock list
Do you have a duty to create a public draft contract based on the stipulations of §186a of the Business Code or on the basis of the obligatory transfer offer as per the stipulations of §183a or 183b of the Business Code? The Stock List makes your duty simple. This is a product securing the client's (buyer) obligatory transfer offer. It is also designed for the owners of the securities (shareholders) or that of the public draft contract.
Structured binary deposit
Are you looking for a better yield on large cash balances? One possibility is the Komerční Banka Structured Binary Deposit. This product extends our range of deposit choices and can offer higher returns assuming the client selects the proper investment strategy. The client makes the decision to use either a standard time deposit or a deposit bill of exchange (a deposit bill of exchange with a term exceeding a one month yields a higher return than a time deposit). This product's term is one to twelve months and may be in Czech Crowns (CZK) or another deposit currency (EUR, USD or GBP). The minimum deposit is 20,000,000 CZK or the equivalent in one of the mentioned currencies.
Structured Corridor deposit
Are you searching for a way to significantly evaluate a larger amount of available funds? One of the possibilities is to use the Structured Deposit Corridor, which extends the offer of the deposit products. Upon a correctly-chosen investment strategy, it allows the clients to get a higher yield from the available money. The client can make a decision whether he/she will deposit the money in the form of a term deposit or a deposit bill of exchange. (A deposit bill of exchange with the validity exceeding the month ultimo offers higher evaluation than the term deposit.) The deal which is conducted in CZK or another currency of deposit (EUR, USD or GBP0) has a due date between 1 day and 12 months since the date of issue. The minimum value of the deal is 20,000,000 CZK or the equivalent amount in another currency.
Structured Deposit Scoop
Are you searching for a way to significantly evaluate a larger amount of available funds? One of the possibilities is to use the Structured Deposit Scoop, which extends the offer of the deposit products. Upon a correctly-chosen investment strategy, it allows the clients to get a higher yield from the available money. The client can make a decision whether he/she will deposit the money in the form of a term deposit or a deposit bill of exchange. (A deposit promissory note with the validity over month ultimo offers higher evaluation than the term deposit.) The deal which is conducted in CZK or another currency of deposit (EUR, USD or GBP0) has a due date between 1 day and 12 months since the date of issue. The minimum value of the deal is 20,000,000 CZK or the equivalent amount in another currency.
Structured Deposit Wedding Cake
Are you searching for a way to significantly evaluate a larger amount of available funds? One of the possibilities is to use the Structured Deposit Wedding Cake, which extends the offer of the deposit products. Upon a correctly-chosen investment strategy, it allows the clients to get a higher yield from the available money. The client can make a decision whether he/she will deposit the money in the form of a term deposit or a deposit bill of exchange. (A deposit promissory note with the validity over month ultimo offers higher evaluation than the term deposit.) The deal which is conducted in CZK or another currency of deposit (EUR, USD or GBP0) has a due date between 1 day and 12 months since the date of issue. The minimum value of the deal is 20,000,000 CZK or the equivalent amount in another currency.
Structured financing
Structured financing is a common name for the full spectrum of financial products (syndicated credits or credit lines) and procedures offered by investment banks (or investment departments of commercial banks) for a specific group of corporate clients.
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.
Syndicated loan
Syndicated loan is a special loan category where the Komerčni bank as the Arranger, forms a group of creditors to finance the debtor. As a potential debtor you may be required to submit offers from various arrangers from which you can select a specific solution which is adapted to your individual requirements.
Term account
Do you want to get a higher return on your invested money compared to the return offered on your current account and yet not increase the level of risk? These requirements are fulfilled by the Term Account. Here, you can deposit any amount starting from 5,000 CZK, possibly 1,000 EUR or USD, and all this for a couple of days (7 or 14), months (1, 3, 6 or 12) or even years (2, 3, 4, 5). In case of deposits below 12 months there is the possibility of automatic renewal during 5 years. As far as longer-time term deposits are concerned, every three months the interests are being added and you can operate with them. If you have any current account as a part of a package, you will get an interest bonus of 0.2% per year. In case of an emergency, the money of the deposits for more than 1 month will be immediately released. The opening, maintenance, and cancellation of the account are free-of-charge.
Term deposit with individual interest rate
Are you looking for a way to increase the return on your invested money more significantly than in standard term deposits while maintaining the same safety level? Then you can use the term deposit with an individual interest rate (TVIS). It is a deposit with the interest rate set by the dealer according to the current interbank market prices. The maturity of the TVIS Deposit ranges from O/N (overnight) to one year. The minimum amount of a transaction is approximately CZK 15 million for deposits of up to one week, and CZK 10 million for deposits of one week to 1 year, possibly an equivalent amount in a foreign currency tradable on the interbank market.
TF OnLine - modern application for Trade Finance products administration
Do you want to use a secure method of communication for arranging Trade finance products - bank guarantees, documentary letters of credit and collection? We offer the TF OnLine application, which is used to send requests for issue, implementation of changes and monitoring of the current status of processing of Trade Finance products. It is accessible from anywhere, 24 hours a day, 7 days a week. All you need for secure access to the application is a certificate on a chip card and a chip card reader.
