Guaranteed
inflation-proof deposit

The guaranteed inflation-proof deposit brings an average annual interest rate always at least one percentage point higher than the rate of inflation in the Eurozone for the whole period of the deposit, though at minimum 10,2% on a deposit for 3 years or 15% on a deposit for 5 years.

Your savings will therefore retain their purchasing power regardless of inflation for a period of up to five years. Furthermore, in the case of very low inflation, a minimum interest yield limit is set, so you have the certainty that you will receive an attractive interest yield in all circumstances.

The minimum deposit amount is EUR 10 000,-.

The underlying asset is the harmonised index of consumer prices of the Eurozone countries (HICP excluding tobacco) published by Eurostat (unrevised).
 

Structured deposits

Structured deposits combine the advantages of a classic term deposit with the opportunity of a high rate of appreciation in the case of favourable performance of the underlying assets (currencies, commodities, stocks, etc.).

It is a deposit with a guaranteed interest yield, i.e. the bank will at the deposit’s maturity date pay out the principal and its accrued interest in the amount of the minimum guaranteed interest yield.
Moreover a structured deposit can bring you a premium yield derived from the underlying asset’s performance, without any market risk on your side whatsoever.

Disclaimer

This information was created by J&T BANKA, a.s., registered office: Pobřežní 14, 186 00 Praha 8, corporate registration number: 47115378, registered in the Commercial Register of Municipal Court in Prague, section: B, entry no. 1731, pursuing business in the Slovak Republic through a branch of J&T BANKA, a.s., branch of a foreign bank, located at Lamačská cesta 3, 841 04 Bratislava 4, corporate registration number: 35 964 693, registered in the Commercial Register of District Court Bratislava I, section Po, entry no. 1320/B (simply the “Bank”). The content of the information is a presentation of selected products offered by the bank and possibly also information on their nature and characteristics.  None of this information is intended as recommendation or advice as to the suitability or unsuitability of purchasing these products. Information concerning investment instruments serves exclusively for explaining the principles of the operation and the characteristics of the underlying assets from which the variable part of the yield derives.  In no way may this information be taken as a guarantee of the future development of these underlying assets, or as an investment recommendation or advice regarding investing in the mentioned investment instruments. The bank explicitly warns the client and the client takes note that products based on structured deposits are a sophisticated type of deposit product whose purchase is recommended primarily for persons with experience and knowledge of bank deposit products. The bank moreover expressly warns the client and the client takes note that the variable part of the yield may reach zero values, and the bank in no way guarantees that the variable part of the yield will achieve above-zero values. In such a case the final yield from a structured deposit may appear disadvantageous in comparison with fixed-yield deposits. The bank explicitly warns the client and the client takes note that even in the case that the variable part of the yield achieves above-zero values, the final yield from a structured deposit may appear disadvantageous in comparison with fixed-yield deposits. The Bank in no way guarantees that the variable part of the yield will reach a value that will make the final yield from the structured deposit appear more favourable in comparison with fixed-yield deposits. The development of the variable part of the yield over the duration of the deposit is not a guarantee of the same value of the variable part of the yield at the end of the deposit. This information is not intended for persons having their domicile or place of business in a state that prohibits the creation and distribution of such information or where doing so would contravene local legislation.