Structured deposits

Do you want to attractively appreciate your savings?
Structured deposits are an advantageous investment form bringing certainty of guaranteed yield with the possibility of getting attractive bonus yield. It is an ideal product for clients who want to try something other than a term deposit, but are not willing to risk losses related to investing in funds.

Rio structured deposits

RIO structured deposit

RIO structured deposit is an innovative structured product that guarantees a stable yield combined with the possibility of obtaining even more attractive bonus appreciation.

RIO structured deposit was offered from 11. February to 31 March 2013.

RIO structured deposit offers

  • advantageous 4-year deposit product with deposits starting from EUR 1,000
  • entry fee only 1.00%
  • guaranteed payment of the deposit on the maturity date
  • guaranteed minimum yield of 2.50% for the entire duration of the deposit
  • possible yield of up to 16% for the entire duration of the deposit
  • the amount of bonus yield depends on the value of the EUR/BRL exchange rate
  • the deposit is protected by the Deposit Protection Fund

Why RIO?

Rio de Janeiro is the most famous place in Brazil. We chose Brazil and its currency, the Brazilian real, as the underlying asset, because two major sporting events take place in the country over the next four years - 2014 FIFA World Cup and the Summer Olympics in Rio de Janeiro in 2016. These events also coincide with the duration of the RIO structured deposit.

Benefits of the RIO structured deposit

  • guarantees the payment of the deposit and the basic interest
  • attractive bonus interest may be achieved depending on the development of the euro/Brazilian real exchange rate
  • the deposit is protected by the Deposit Protection Fund
  • an ideal product for clients who want to try something other than a term deposit, but are not willing to risk losses related to investing in funds

Payment of yield

Date of yield payment** Basic interest- as guaranteed interest Annual bonus interest*
5 April 2014 1.00% 0%
5 April 2015 0.50% 2.25% or 4.50%
5 April 2016 0.50% 2.25% or 4.50%
5 April 2017 0.50% 2.25% or 4.50%

* It is paid if the condition is met
** If 5 April in the given year is a non-working day, the yield will be paid to clients on the next working day

What yield can be achieved?

The total yield consists of a basic and a bonus yield. Basic interest amounts to 2.50 % for the whole deposit period. The bonus yield may amount up to 13.50% for the whole term, depending on the development of the euro / Brazilian real exchange rate.
The basic interest will always be paid on 5 April of each year. If the condition for payment of the bonus interest has been met, the bonus yield will be paid together with the basic interest.
The maximum possible yield for the entire deposit period is 16%, i.e. potential gross yield on a deposit of EUR 1,000 is EUR 160.

RIO II structured deposit

Following the successful issue of the RIO structured deposit offered in February and March 2013, the bank has been offering a new issue of RIO II structured deposit since 2 September 2013. The issue is being sold for a limited period until 31 October 2013 or until the issue is sold out.

RIO II structured deposit is an innovative structured product that guarantees a stable yield combined with the possibility of obtaining even more attractive bonus appreciation.

RIO II structured deposit offers

  • advantageous 4-year deposit product with deposits starting from EUR 1,000
  • entry fee only 1.00%
  • guaranteed payment of the deposit on the maturity date
  • guaranteed minimum yield of 2.50% for the entire duration of the deposit
  • possible yield of up to 16% for the entire duration of the deposit
  • the amount of the bonus yield depends on the value of the EUR/BRL exchange rate
  • the deposit is protected by the Deposit Protection Fund

Why RIO?

Rio de Janeiro is the most famous place in Brazil. We chose Brazil and its currency, the Brazilian real, as the underlying asset, because two major sporting events take place in the country over the next four years - 2014 FIFA World Cup and the Summer Olympics in Rio de Janeiro in 2016. These events also coincide with the term of the RIO II structured deposit.

Benefits of the RIO II structured deposit

  • guarantees the payment of the deposit and the basic interest
  • attractive bonus interest may be achieved depending on the development of the euro/Brazilian real exchange rate
  • the deposit is protected by the Deposit Protection Fund.
  • an ideal product for clients who want to try something other than a term deposit, but are not willing to risk losses related to investing in funds

Payment of yield

Date of yield payment** Basic interest- as guaranteed interest Annual bonus interest*
7 November 2014 1.00% 0%
7 November 2015 0.50% 2.25% or 4.50%
7 November 2016 0.50% 2.25% or 4.50%
7 November 2017 0.50% 2.25% or 4.50%

* It is paid if the condition is met
** If 7 November in the given year is a non-working day, the yield will be paid to clients on the next working day

What yield can be achieved?

The total yield consists of a basic and a bonus yield. Basic interest amounts to 2.50 % for the whole deposit period. The bonus yield may amount up to 13.50% for the whole term, depending on the development of the euro / Brazilian real exchange rate.
The basic interest will always be paid on 7 November of each year. If the condition for payment of the bonus interest has been met, the bonus yield will be paid together with the basic interest.
The maximum possible yield for the entire deposit period is 16%, i.e. potential gross yield on a deposit of EUR 1,000 is EUR 160.

Price list

For information about prices please see the currently valid price list.




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