Return of the
Carpathian Tiger

The currency revaluation at the same time is also supported by the central bank with the aid of slowing inflation. Therefore we present you with the guaranteed premium deposit “Return of the Carpathian tiger”, whose yield depends on the development of the EURRON exchange rate.

This two-year deposit can provide you with the comfort of combining the classic deposit with a guarantee of deposited sum and the determined guaranteed yield to which we offer a yield depending on the development of the basic asset on financial markets.

You can open the “Return of the Carpathian tiger” after depositing funds with a minimum amount of investment of EUR 10 000,-.

To the determined guaranteed yield, J&T Bank offers a yield depending on the development of the basic asset on the financial markets. You can choose from 2 variants of the structured deposit:

1. RCT – suitable for investors expecting a volatile development of the EURRON exchange rate. It brings a 3,3% guaranteed yield and unlimited maximum yield, and a single premium yield from the deposit.
2. RCT 175% – suitable for investors expecting valorization of the EURRON exchange rate between 4,4% to 16,7% for 2 years. It has a guaranteed yield of 0% (return of principal), however, owing to leverage the potential yield grows two times faster up to 20%.  This is the advantage of the double premium yield from the deposit.

Yield profile of the deposit

It results from the graph that the “Return of the Carpathian tiger” deposit always brings a positive valorization in the minimum amount of 3,3%. On the other hand, the “Return of the Carpathian tiger 175%” deposit has a guaranteed yield of 0% (only the return of the principal) and the premium yield shall only grow with a positive development of the EURRON exchange rate (point A). Owing to its “turbo effect” it grows but the yield 1,75 times faster and as of 4% of valorization of the exchange rate (point B) it offers a better yield than the first deposit. At a 11,43% valorization of the EURRON exchange rate (point C), the deposit hereby achieves a 20% valorization and the premium yield is limited. Until the situation when the EURRON exchange rate was valorized by 16,7% (point D), the “Return of the Carpathian tiger 175%” deposit brings a higher yield than “Return of the Carpathian tiger”. In the case of a valorization of the EURRON exchange rate higher than 16,7% the first deposit variant is more advantageous, where the yield is not limited.

Also in the case of this deposit type you can utilize the benefits (stays at Grand Hotels and vouchers for shops in Bratislava, as well as in the High Tatras) in the same way as the deposit account.

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.