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Date: 2019/12/12 00:01:08
Bid Ask
95.97 -
Difference 0.01% (0.01)

General attributes

Type of bondStructured bonds and notes
Bond stylesenior
Issuer typefinancial institution
Country of issueAT
Current coupon0.000%
Coupon stylevariable
Coupon payment date2021/07/23
Coupon payment periodat maturity
Yield to maturity p.a. (before capital gains tax)-
Value date2016/06/07
Repayment value90.00
Nominal value10,000
Capital gains tax-
Accrued Interest0.00
Investor tolerance2 (scale 1-7)
Last trading day2021/07/15

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CZ Performace reportPDF Download
Key Information DocumentPDF Download

Scale: ABS REL         Instrument

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The chart is composed of values which are the arithmetic average values of bid / ask (MID) from previous working day. Performances under 12 month have only little informative value. Information about previous performance does not guarantee future performance.
Source: Česká spořitelna, a. s.
Advantages Details you should be aware of

What does the Prémiový dluhový cenný papír PROFIT 5 offer?

  • An interesting yield potential of up to 35% for its duration.
  • 100% participation in the regularly observed trend of the underlying asset – STOXX®Europe Select 50 share index.
  • Underlying: www.investicnicentrum.cz/
  • A min. 90% return on its nominal value at its maturity date.
  • The regular observation and fixing of attained yields. The resulting yield is calculated as a 100% participation of the average quarterly fixed values of the monitored underlying asset.
  • Immediate access to funds. You can sell the premium bond at any time even prior to the maturity date for a market price quoted in the Česká spořitelna Exchange Rate List.
  • Prémiový dluhový cenný papír PROFIT 5 does not guarantee a return on the invested amount.  It guarantees 90% return of its nominal value at the maturity date.
  • The premium bond holder bears the issuer´s credit risk.
  • The prices are quoted in percentages of the nominal value. The buying price means the client is selling, the selling price means the client is buying. 
  • Guarantee:  90% return on the nominal value of the PDCP at the maturity date
  • Participation: 100% in the regularly observed trend of the underlying asset
  • Maximum payout:  135% of the PDCP nominal value
  • Formula for premium: 100% + (average/initial value - 1), minimum 90%, maximum 135%
  • Underlying asset: STOXX®Europe Select 50 (for more information please visit: www.stoxx.com)
  • Nominal value of one premium bond: CZK 10,000
  • Minimum investment: 1 piece
  • Currency: Czech crown  (CZK)
  • Fixing the initial value of the underlying asset: 12 July 2016
  • Observation: quarterly, always at 12 January, 12 April, 12 July, 12 October with the convention of next working day
  • Last observation: 12 July 2021
  • Liquidity: daily according to the Česká spořitelna Exchange Rate List 
  • Maturity date: 23 July 2021
  • Issuer: Erste Group Bank AG
  • Price for the provision of early redemption: 2% of the transaction volume


An interesting yield potential of up to 35% in five years with a min. 90% return on the nominal value of PDCP PROFIT 5 at its maturity date.

Every rationally thinking person looks for ways of how to most effectively increase the value of his money. However it is not that easy to assess and consider the best investment solution for you. For many it is important to know beforehand what the trend of the investment might be, and most of all what is its yield potential and market risk taken. If these parameters are also important to you, then the Prémiový dluhový cenný papír PROFIT 5 is here for you.
The yield of the five-year Prémiový dluhový cenný papír PROFIT 5 stems from the trend of highly reputable European companies which are marked above all by the low fluctuation in the value of their shares and paying out a high long-term dividend yield.
These are represented by the European  STOXX®Europe Select 50 share index, which is not just limited to countries of the Eurozone, but selects shares of companies from all the major European markets across all economic sectors  (e.g. shares of companies such as ALLIANZ, GLAXOSMITHKLINE, BAE SYSTEMS, SWISSCOM, KUEHNE + NAGEL, ČEZ, RTL, VIVENDI, MARKS & SPENCER, LAGARDERE, TELEFONICA DEUTSCHLAND and others). Every quarter the structure of the index is reviewed and according to the current market trend the representation of each company and their weight in the index is optimised.

Payment notes

How does the Prémiový dluhový cenný papír PROFIT 5 work?

  • The yield of the five-year PDCP PROFIT 5 depends on the trend of STOXX® Europe Select 50 share index  containing high quality shares of companies from all major European markets.
  • On 12 July 2016 the initial value of the underlying asset will be fixed.
  • The underlying asset is monitored quarterly. Every quarter the value of the underlying asset is fixed on the observation day.
  • The average value of the underlying asset is calculated from the sum total of these 20 values gained during observation. It is compared with its initial value.
  • During the lifetime of the premium bond the negative value may also be included.
  • The total yield is calculated at the maturity date as follows: 100% + (average of the underlying asset values from all 20 observations/initial value of the underlying  asset – 1), while the closing average value of the underlying asset may be negative up to – 10%.
  • The minimum return of PDCP PROFIT 5 at its maturity date is 90% of its nominal value.
  • The maximum level of the premium is fixed at 35% for the duration of the PDCP PROFIT 5, i.e. in 5 years.
  • The regular observation and averaging of the obtained values partly protect the investor from any sharp fall in the prices of the monitored underlying asset just before the maturity date. The total yield does not only depend on the closing value of the observed underlying asset.

Examples of scenarios at maturity – see the leaflet


  • The Premium Bond maturity date is 23 July 2021
  • Česká spořitelna pays out the yield and nominal value 
  • It takes 3 working days to settle the buying and selling of the Premium Bond

Secondary market

  • The minimum purchased quantity: 1 piece
  • The Bond can be sold even prior to the maturity date for the price according to Česká spořitelna Exchange Rate List which you can find here at the Investment Centre/Exchange Rate Lists

Legal note

The content on this page is for informational purposes only for existing investors. This product is not offered for subscription and is not a public offering.


Evropský akciový index STOXX® Europe Select 50, který se neomezuje pouze na země eurozóny, ale vybírá akcie společností ze všech hlavních evropských trhů napříč všemi ekonomickými  odvětvími  (např. akcie společností ALLIANZ, BAE SYSTEMS, BIC, GLAXOSMITHKLINE, KOMERČNÍ BANKA, NN, RTL, SWISSCOM, VIVENDI a další). 


In our know-how area you can find all relevant details on the different types of bonds. The tutorial gives you selected information about the functionality of bonds and assists you in making your investment decision. In our glossary we explain the most important keywords and within the FAQ section you can find answers to the most common questions concerning this topic.


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