Higher appreciation

Bonds may bring higher appreciation than common deposit products depending on the bond maturity.

Very safe

The bond act binds the issuer to redeem the face value of the bonds at maturity.

Liquidity

UniCredit Bank ensures liquidity on a daily basis in the secondary market at actual price.

No fees

The purchase, sale, and management of bonds are not subject to a fee.

Flexibility

UniCredit Bank offers a wide range of maturities and types of bonds at all times.

Besides senior unsecured bonds, UniCredit Bank also offers the bank’s own issue of mortgage bonds.

As regards the gain calculation method, we offer the following bonds

• Coupon and zero-coupon bonds
  • These bonds are securities with guaranteed gains paid out either at a certain interval or on a one time basis in the form of coupon payments, or is defined as the difference between the face value at maturity and the acquisition price for zero-coupon bonds.
• Structured bonds
  • These bonds are investment securities which may yield better appreciation than common interest-bearing instruments. The interest yield, though, is not guaranteed and depends on the development of the underlying asset. The underlying asset may be shares, stock indexes, exchange rates, commodities, etc.

Investment certificates

UniCredit Bank is an issuer or an issuing agent of investment certificates. These investment securities, as structured bonds, potentially offer better appreciation. However, unlike structured bonds, they normally do not include a capital guarantee of the amount invested. This means that these investment instruments bear higher risk and are reserved only to a limited circle of investors.

Other bonds

UniCredit Bank also functions as a primary dealer in the primary market of government bonds and, concurrently, as a market maker in secondary bonds.

UniCredit Bank Czech Republic and Slovakia, a.s. may issue mortgage bonds under a special legal regulation regulating the activities of banks established in the Czech Republic

WHO is the product for?

Very conservative investors, such as

• Institutional investors
• Legal entities
• Individuals

SPECIFICS of mortgage bonds

• Mortgage bonds are bonds whose face value and relative gains are backed in full by the receivables from mortgage loans (pledge).
• Holders of mortgage bonds have a preferential position under the insolvency law. The proceeds from the realization of the pledge are first used to satisfy the receivables of the mortgage bond holders and only then the receivables of other creditors.
• The interest yield of mortgage bonds issued before 1 January 2008 are exempt from income tax pursuant to the valid legal regulations of the Czech Republic.

BASIC PARAMETERS of mortgage bonds

• Issuer - UniCredit Bank Czech Republic and Slovakia, a.s.
• Form - Registered
• Type - In paper form (collective bond in own register) or in dematerialized form in the CDCP
  
• Liquidity - Daily; on the part of UniCredit Bank Czech Republic and Slovakia, a.s. at the actual market price
  
• Calculation agent - UniCredit Bank Czech Republic and Slovakia, a.s.
• Gains from bonds - Fixed/variable coupon or based on a discount

MORE information about prices and gains

For more information about individual issues of mortgage bonds offered, refer to the relevant exchange list, or contact your bank advisor, or our colleagues from the Debt Origination / Structuring & Bond Sales team.

UniCredit Bank Czech Republic and Slovakia, a.s. issues a wide range of its own bonds in CZK, EUR and USD. Investors may choose from a whole range of maturities from several months up to several years and from a diverse structure of interest yields.

WHO are the bonds primarily for

• Conservative investors, such as
• Legal entities
• Individuals
• Institutional investors

SPECIFICS of zero-coupon bonds

• The interest yield on the bond is not paid out to the investors on a regular basis, but results from the difference between the face value (100%) paid at maturity (or the redemption price) and the bond acquisition price (the so-called discount - the price is lower than the face value).
• The interest yield is subject to tax in line with the applicable legal regulations and calculation rules for income tax or withholding tax. 

SPECIFICS of coupon bonds

• The interest yield on the bond is paid out to the investors on a regular basis (monthly, quarterly, annually) or on a one-time basis at bond maturity.
• The interest yield (coupon) may be determined as a fixed amount or depending on the development of the market interest rates.
• The interest yield is subject to tax in line with the applicable legal regulations and calculation rules for income tax or withholding tax.

BASIC PARAMETERS of bonds

• Issuer - UniCredit Bank Czech Republic and Slovakia, a.s.
• Form - Registered
• Type - In paper form (collective bond in own register) or in dematerialized form in the CDCP
  
• Currency - CZK, EUR, USD
• Face value of 1 pc - 1 CZK, 1 EUR, 1 USD
  
• Liquidity - Daily; on the part of UniCredit Bank Czech Republic and Slovakia, a.s. at the actual market price
  
• Calculation agent - UniCredit Bank Czech Republic and Slovakia, a.s.
  
• Gains from bonds - Fixed/variable coupon or based on a discount
  

MORE information about prices and gains

For more information about individual issues of bonds offered, refer to the relevant EXCHANGE LIST, or contact your bank advisor, or our colleagues from the Debt Origination / Structuring & Bond Sales team.

UniCredit Bank Czech Republic and Slovakia, a.s. issues a whole range of bonds whose gains are derived from the development of the selected underlying asset.

WHO is the product for Conservative or dynamic investors, such as

• Individuals
• Legal entities
• Institutional investors

SPECIFICS of structured bonds

• Structured bonds potentially yield higher appreciation, however, interest yield is not guaranteed. Its amount is determined based on the development of the selected underlying asset.
• The interest yield on the bond is not paid out to investors on a regular basis, but on a one-time basis at bond maturity.
• The interest yield is subject to tax in line with the applicable legal regulations and calculation rules for income tax or withholding tax.

BASIC PARAMETERS of structured bonds

• Issuer - UniCredit Bank Czech Republic and Slovakia, a.s.
• Form - Registered
• Type - In paper form, collective bond in own register
  
• Currency - CZK, EUR, USD
• Face value of 1 pc - 1 CZK, 1 EUR, 1 USD
  
• Liquidity - Daily; on the part of UniCredit Bank Czech Republic and Slovakia, a.s. at the actual market price
  
• Calculation agent - UniCredit Bank Czech Republic and Slovakia, a.s.
  
• Bond gains - Variable coupon derived from the development of the selected underlying asset
  

MORE information about prices and gains

For more information about individual issues of bonds offered, refer to the relevant EXCHANGE LIST, or contact your bank advisor, or our colleagues from the Debt Origination / Structuring & Bond Sales team.