Nonguaranteed structured deposits

Valuation of free funds using structured deposits

Deposit products for higher
evaluation of free funds

Potential for over-the-top
evaluation of free funds

Individual store parameters

Dealing by phone
from anywhere

A team of experienced professionals
will help with choosing the optimal strategy

Deposit product that offers higher returns to clients on their disposable funds, provided they predict the market development correctly
Deposits in the form of term deposits
In case of deposit promissory notes:
- Instrument issued by Komerční banka and kept in custody of KB
- No need to present the note in person at maturity - with automatic settlement by Komerční banka
Clients assume certain level of risk (initial investment may not be fully recovered in extreme cases) with a view to generate higher returns on their investments

Clients assume certain level of risk (initial investment may not be fully recovered in extreme cases) with a view to generate higher returns on their investments
Clients are exposed to risks of an option seller – in case an option is exercised, the seller is in a situation, where the current market price of underlying assets sold by the seller may be significantly higher than the strike price or, conversely, the current market price of underlying assets purchased by the seller may be considerably lower than the strike price (to which the seller committed)
Dual deposits offer above-standard interest rates as well; however, they are not guaranteed structured deposits (with guaranteed principal) – in case the defined limit condition is met and the transaction is subsequently executed, the client’s loss from such transaction (compared to the current exchange rate) may exceed any received interest
Deposits in the form of deposit promissory notes cannot be terminated early

Dual Structured Deposit

Clients receive above-standard interest rates
Given transaction also involves binding conditions that specify the deposit payment method and currency – payment of principal and interest either in the deposit currency or another agreed currency, at a predetermined limit exchange rate
Final payment currency depends on the relation of the value of the reference exchange rate to the limit exchange rate as of the reference date
Agreed parameters namely include:
- Limit exchange rate
- Second currency agreed for payment (i.e. a reference exchange rate together with the deposit currency)
- Defined ratio of the reference exchange rate to the limit exchange rate for settlement in the original deposit currency
- Reference date relevant for the final payment currency selection

Useful information