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The money market is a market of short-term money (short-term capital) with a maturity of up to 1 year that reflects the supply and demand for short-term financial resources, thereby allowing the bank's clients to assess temporarily available financial resources. In addition, the money market enables the bank's clients to secure against the expected movement of interest rates (hedging).

Term deposits are the simplest tool for effectively recovering available funds. They are realized in EUR, USD, GBP, CHF, HUF, PLN and CZK, or in another foreign currency, the interest rate being determined on the basis of current interest rates on the interbank money market and valid for the entire duration of the deposit.

The advantage is flexibility in implementation according to client requirements and higher resource revaluation compared to a current account. The Bank offers the possibility of making deposits by phone or through the Internet Dealing Internet application. The minimum volume for making a deposit by phone with an individual interest rate is € 30,000 or the equivalent in a foreign currency.

Terms and conditions

  • a current account held at a branch of VÚB Bank
  • a signed Framework Deposit Agreement

Contact

Corporate Sales
02/5055 9650, 02/5055 9630, 02/5055 9620, 02/5055 9610, 02/5055 9595, 02/5055 9520

A deposit bill of exchange is a tool for short-term cash investing in different currencies. Its advantage is flexibility (a maturity of 14 to 365 days) and a yield reflecting the current situation on the money market at the time of the agreed trade. The trade is negotiated by phone (based on the signed framework agreement), followed by a fax confirmation. The bills of exchange remain in the custody of VÚB Bank. The minimum trade volume is EUR 160,000, or its equivalent in a foreign currency.

Terms and conditions

  • signed Framework Contract for the issuance of investment bills and the contract for the custody of paper investment bills.

Contact

Corporate Sales
02/5055 9650, 02/5055 9630, 02/5055 9620, 02/5055 9610, 02/5055 9595, 02/5055 9520

The realization of FRA contracts allows the interest rate to be fixed for a predetermined period and the agreed volume of funds with a view to securing the interest yield or interest costs against adverse future interest rates.

On the day the contract is settled (on the first day of the time period), there is no real movement of funds in the amount of the contract, only the discounted difference between the negotiated rate of the FRA contract and the reference rate bound for the same period as the FRA contract is, is paid. The reference interest rate is the corresponding time and currency LIBOR and EURIBOR, or for trades in CZ, PRIBOR, and it is fixed 2 business days prior to the beginning of the agreed period. The minimum volume of the FRA contract is EUR 300,000.

Terms and conditions

  • the signed Framework Treasury contract, Product card, Termsheet for trade

Contact

Corporate Sales
02/5055 9650, 02/5055 9630, 02/5055 9620, 02/5055 9610, 02/5055 9595, 02/5055 9520

Interest rate swaps (IRSs) are a tool for managing interest rate risk, as they provide security against expected growth or a decrease in interest rates. The essence is the agreement of two parties on the reciprocal exchange of interest payments at the end of the agreed period on the basis of the fixed principal for the pre-agreed period.

The most commonly used method is a combination of fixed and variable interest rates. The interbank bid rate for setting the variable interest rate is EURIBOR in the case of EUR currency and for other LIBOR world currencies (G7), fixed for the relevant period.

Interest Options - As in the case of currency options, VÚB Bank provides a full range of interest rate options. The basis is the CAP option where the buyer (borrower) of this option is secured against the interest rate rises while taking advantage of the fall in the interest rate and the FLOOR option where the buyer (the lender) of the option is secured against the interest rate drop while benefiting from the rise in the interest rate.

Terms and conditions

  • the signed Framework Treasury contract, Product card, Termsheet for trade

Contact

Corporate Sales
02/5055 9650, 02/5055 9630, 02/5055 9620, 02/5055 9610, 02/5055 9595, 02/5055 9520

Structured products make it possible to secure against interest rate risk or provide the opportunity to raise interest yields, or reduce interest cost. Structured products are a combination of a variety of products, from FRA to options, and are tailored exactly to the needs of the client.

Terms and conditions

  • the signed Framework Treasury contract, Product card, Termsheet for trade

Contact

Corporate Sales
02/5055 9650, 02/5055 9630, 02/5055 9620, 02/5055 9610, 02/5055 9595, 02/5055 9520