Structured notes available at OTP Bank
A structured note is a security that offers an investment opportunity, selecting from a wide range of underlying markets and financial instruments, with a yield that probably exceeds risk-free yields. This type of security was not issued under Hungarian Law. Its yield depends on the price evolution of the underlying product or index. The value of the note during its term or at its maturity is determined by the issuer of the security on the basis of a predetermined calculation methodology.
Available products
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This security is a structured note product of Citigroup, which provides an EUR-denominated investment opportunity linked to the performance of the Budapest Stock Exchange Central European Blue Chip Index, which follows the share price of the largest Central European companies, intended for investors willing to risk their capital to achieve returns above risk-free returns.
Purpose of the product: CitiGroup’s structured note product aims to provide an annual return of 6.50% of the nominal value in the event of early recall, or a positive return of the index in the event of a maturity call, while repaying the entire invested capital at maturity at the end of the 5th year, or even earlier.
Term: 5 years, but the security can be annually recalled during the first four years of the term.
Potential return on early recall: 6.50% of the nominal value per annual observation period.
Capital protection: the product is not capital-protected. If the final value of the index at maturity is equal to or higher than the redemption lower barrier percentage, the amount of capital payable at maturity is 100% of the nominal value. If, on the other hand, the final value of the index at maturity is lower than the redemption lower barrier percentage, the amount of capital payable at maturity will be lower than the nominal value, and in this case the capital loss is equal to the multiplication of the nominal value and the performance of the index. Due to the note’s 30% capital protection at maturity, the maximum capital loss is 70% of the nominal value.
This information is not comprehensive. Further detailed information can be found in the product documents below, which you are encouraged to read carefully before making an investment decision.
Product documents
This security is a structured note product of CitiGroup, providing a HUF-denominated investment opportunity linked to the performance of the “EURO STOXX Automobiles and Parts Price Index” which follows the share price of companies in the European automotive sector, for investors willing to risk their capital to achieve returns above risk-free returns.
The purpose of the product: CitiGroup’s structured note product aims to provide an annual return of 10.70% of the nominal value, while repaying the entire invested capital at maturity at the end of the 4th year, or even earlier.
Term: 4 years, but the security is callable during the first three years of the term.
Available return: 10.70% of the nominal value per one year observation period.
Capital protection: The product is not capital-protected; therefore, if the product is not called before maturity, the amount at maturity depends on whether the final value of the index is higher or equal to the capital limit. In this case, the amount at maturity is 100% of the nominal value. If, on the other hand, the final value of the index is lower than the capital limit, the amount at maturity will be lower than the nominal value. In this case, the capital loss of the amount invested is equal to the product of the nominal value and the performance of the index. Due to the note’s 35% capital protection at maturity, the maximum capital loss on the invested amount is 65% of the nominal value.
This information is not comprehensive. Further detailed information can be found in the product documents below, which you are encouraged to read carefully before making an investment decision.
Product documents
This security is a structured note product of CitiGroup, providing an EUR-denominated investment opportunity linked to the performance of the “EURO STOXX Automobiles and Parts Price Index” which follows the share price of companies in the European automotive sector, for investors willing to risk their capital to achieve returns above risk-free returns.
The purpose of the product: CitiGroup’s structured note product aims to provide an annual return of 8.80% of the nominal value, while repaying the entire invested capital at maturity at the end of the 4th year, or even earlier.
Term: 4 years, but the security is callable during the first three years of the term.
Available return: 8.80% of the nominal value per one year observation period.
Capital protection: The product is not capital-protected; therefore, if the product is not called before maturity, the amount at maturity depends on whether the final value of the index is higher or equal to the capital limit. In this case, the amount at maturity is 100% of the nominal value. If, on the other hand, the final value of the index is lower than the capital limit, the amount at maturity will be lower than the nominal value. In this case, the capital loss of the amount invested is equal to the product of the nominal value and the performance of the index. Due to the note’s 30% capital protection at maturity, the maximum capital loss on the invested amount is 70% of the nominal value.
This information is not comprehensive. Further detailed information can be found in the product documents below, which you are encouraged to read carefully before making an investment decision.
Product documents
This security is a structured note product of Citigroup, which provides an EUR-denominated investment opportunity linked to the performance of the “EURO STOXX Utilities Price Index”, which follows the share price of companies in the European utilities sector, for investors willing to risk their capital to achieve returns above risk-free returns.
The purpose of the product: CitiGroup’s structured note product aims to provide an annual return of 7.25% of the nominal value, while repaying the entire invested capital at maturity at the end of the 4th year, or even earlier.
Term: 4 years, but the security is callable during the first three years of the term.
Available return: 7.25% of the nominal value per observation period per year.
Capital protection: The product is not capital protected, so if the product is not called before maturity, the amount redeemed at maturity, i.e. the final redemption amount, depends on whether the final value of the index is higher or equal to the capital limit. In this case, the final redemption amount is 100% of the nominal value. If, on the other hand, the final value of the index is lower than the capital limit, the final redemption amount at maturity will be lower than the nominal value. In this case, the capital loss of the amount invested is equal to the product of the nominal value and the performance of the index.
This information is not comprehensive. Further detailed information can be found in the product documents below, which you are encouraged to read carefully before making an investment decision.
Product documents
This security is a structured note product of Societe Generale, which provides a HUF-denominated investment opportunity linked to the performance of the “iSTOXX Europe 600 Telecommunications GR Decrement 50 Index”, which follows the share price of European telecommunications companies for investors willing to risk their capital to achieve returns above risk-free rates.
The purpose of the product: Societe Generale’s structured note product aims to provide an annual return of 11.65% of the face value, while repaying the entire invested capital at maturity at the end of the 4th year, or even earlier.
Term: 4 years, but the security is callable during the first three years of the term.
Available return: 11.65% of the nominal value per observation period per year.
Capital protection: The product is not capital protected, so if the product is not called before maturity, the amount redeemed at maturity, i.e. the final redemption amount, depends on whether the final value of the index is higher or equal to the capital barrier. In this case, the final redemption amount is 100% of the nominal value. If, on the other hand, the final value of the index is lower than the capital barrier, the amount at maturity will be lower than the face value. In this case, the total loss of capital invested is equal to the product of the face value and the performance of the index.
This information is not comprehensive. Further detailed information can be found in the product documents below, which you are encouraged to read carefully before making an investment decision.
Product documents
This security is a structured note product of Societe Generale, which provides an EUR-denominated investment opportunity linked to the performance of the “iSTOXX Europe 600 Telecommunications GR Decrement 50 Index”, which follows the share price of European telecommunications companies for investors willing to risk their capital to achieve returns above risk-free rates.
The purpose of the product: Societe Generale’s structured note product aims to provide an annual return of 8% of the face value, while repaying the entire invested capital at maturity at the end of the 4th year, or even earlier.
Term: 4 years, but the security is callable during the first three years of the term.
Available return: 8% of the nominal value per observation period per year.
Capital protection: The product is not capital protected, so if the product is not called before maturity, the amount redeemed at maturity, i.e. the final redemption amount, depends on whether the final value of the index is higher or equal to the capital barrier. In this case, the final redemption amount is 100% of the nominal value. If, on the other hand, the final value of the index is lower than the capital barrier, the amount at maturity will be lower than the face value. In this case, the total loss of capital invested is equal to the product of the face value and the performance of the index.
This information is not comprehensive. Further detailed information can be found in the product documents below, which you are encouraged to read carefully before making an investment decision.
Product documents
This security is a structured note product of Société Générale (SG), providing investors with an opportunity to achieve returns in excess of risk-free returns depending on the evolution of the EUR/HUF price, without risking their invested capital.
The SG Árfolyamsáv 2028 Március Note is an investment product with a term of four years, whose return is determined by the EUR/HUF exchange rate. The maximum return on the face value of the note is 9% p.a., payable at the end of each year, provided that the EUR/HUF exchange rate fixes have remained within the exchange rate band for the year during the entire year and if the product is not called earlier.
The purpose of the product: to achieve a return on the invested capital depending on the evolution of the EUR/HUF exchange rate.
Term: 4 years. If held to maturity, the issuer promises to repay 100% of the invested capital at the end of the 4th year, or sooner if certain conditions are met.
Available return: Up to 9% of the face value per annum, payable at the end of each year following the issue if the note is not called earlier.
Capital protection: 100 per cent. However, 100 per cent of capital is only received by the investor on the maturity date or the early maturity date. This is due to the fact that during the term, the value of the structured note can be much lower compared to the invested capital, i.e. a sale during the term may result in a partial or complete loss of capital.
The structured note may be of interest to investors who expect an EUR/HUF exchange rate within the exchange rate bands specified in the product documents in the medium term, require annual coupon payments while avoiding to risk their invested capital.
The information provided herein is not comprehensive. Further detailed information can be found in the below product documents, which we encourage you to read carefully before making an investment decision.
Product documents
This security is a structured note product of Société Générale, which provides an EUR-denominated investment opportunity linked to the performance of the Solactive GDX EUR AR 5% Index, which tracks the share price of companies active in gold and silver mining, for investors willing to risk their capital to achieve returns above risk-free returns.
The purpose of the product: The purpose of the structured note product of Société Générale is to provide a nominal return of 8% per year and to repay the full invested capital at maturity at the end of the 4th year or earlier.
Term: 4 years, however, the security can be called in any year during the term.
Available return: A nominal return of 8% per annual observation period.
Capital protection: The product is not capital-protected, i.e. in case the product is not called before maturity, the final redemption amount depends on whether the final value of the index has reached the capital barrier. If it has not reached the capital barrier, the final redemption amount is 100% of the face value. If it has reached the capital barrier, the final redemption amount is equal to the multiplication of the face value and the performance of the index.
The information provided herein is not comprehensive. Further detailed information can be found in the below product documents, which we encourage you to read carefully before making an investment decision.
Product documents
This security is a structured note product of Société Générale, which provides an USD-denominated investment opportunity linked to the performance of the Solactive GDX EUR AR 5% Index, which tracks the share price of companies active in gold and silver mining, for investors willing to risk their capital to achieve returns above risk-free returns.
The purpose of the product: The purpose of the structured note product of Société Générale is to provide a nominal return of 12 per cent per year and to repay the full invested capital at maturity at the end of the 4th year or earlier.
Term: 4 years, however, the security can be called in any year during the term.
Available return: A nominal return of 12% per annual observation period.
Capital protection: The product is not capital-protected, i.e. in case the product is not called before maturity, the final redemption amount depends on whether the final value of the index has reached the capital barrier. If it has not reached the capital barrier, the final redemption amount is 100% of the face value. If it has reached the capital barrier, the final redemption amount is equal to the multiplication of the face value and the performance of the index.
The information provided herein is not comprehensive. Further detailed information can be found in the below product documents, which we encourage you to read carefully before making an investment decision.
Product documents
This security is a structured note product of J.P. Morgan, which offers a euro-denominated investment opportunity linked to the performance of the CECE Composite Index—comprising the portfolios of three equity markets—to investors willing to risk their capitals to achieve a yield that exceeds risk-free yields. The equity market index is composed of Czech, Polish, and Hungarian shares, selected on the basis of their market capitalisation.
The purpose of the product: The purpose of the structured note product of J.P. Morgan is to provide a nominal yield of 7.00% per year and to repay the full invested capital at maturity at the end of the 5th year, or even earlier.
The term: 5 years, however, the security can be called in any year of the term.
Available yield: A nominal yield of 7.00% per annual observation period.
Capital protection: The product is not capital-protected, thus in case the product is not called before maturity, the final redemption amount depends on whether the final value of the index reaches the capital barrier. If it does, the final redemption amount is 100% of the face value. If it does not, the final redemption amount is equal to the multiplication of the face value and the performance of the index.
The information provided herein is not comprehensive. Further detailed information can be found in the below product documents, which we encourage you to read carefully before making an investment decision.
Product documents
This security is a structured note product of Société Générale (SG), which provides an investment opportunity to the performance of the EURO STOXX Banks Price Index for investors who are willing to risk part of their capital in order to earn a return above the risk-free rate.
The SG Banks Index 2028 Június Note is a five-year investment product whose yield is determined by the EURO STOXX Banks Price Index. The terms of the note are designed to have a 5-year maturity, but the actual maturity of the product may be shorter, as the index's performance on the annual automatic early redemption observation dates may result in automatic early redemption.
The aim of the product is to achieve a return on the invested capital depending on the price development of the index, as well as to repay the entire invested capital at the end of the fifth year, or even earlier, while providing 75% capital protection at maturity.
The term: 5 years.
Potential yield: the positive performance of the index measured annually from the initial observation date, capped at 9% after Year 1, and at 18% after Year 2, which could be paid out at the end of each year after the issue, unless the note has been early redeemed. No cap after Year 3, Year 4 and Year 5.
Capital protection: 75% of the nominal value of the invested capital at maturity.
This information is not exhaustive. Further detailed information can be found in the product documents below, which we kindly ask you to study carefully before making an investment decision.
Product documents
This security is a structured note product of Societe Generale (SG), which offers investors the opportunity to achieve a return above the risk-free rate depending on the price evolution of the EUR/HUF exchange rate, without risking their invested capital.
The SG Árfolyamsáv Euró 2027 Június Note is a four-year investment product, the yield of which is determined by the evolution of the EUR/HUF exchange rate. The maximum return of the note is 5.00% per annum, which is paid out at the end of each year if the EUR/HUF exchange rate fixings stayed within the 365 - 420 exchange rate range throughout the year. In addition to this condition-dependent return, an additional bonus nominal return of 1% per annum will be paid in case of early redemption.
The aim of the product: to achieve a return on the invested capital depending on the price evolution of the EUR/HUF exchange rate.
The term: 4 years. If held until maturity, the issuer promises to pay at the end of Year 4, or sooner, if certain conditions are met, 100% of the invested capital.
Capital protection: 100 percent. However, the investor receives 100% of the capital only on the maturity date or on the early redemption date. During the term, the value of the structured note may be much lower compared to the invested capital, so the sale during the term may result in a partial or total loss of capital.
The structured note may be of interest to investors who expect the EUR/HUF exchange rate to remain within the above exchange rate range in the medium term, require regular coupon payments, while do not wish to risk their invested capital.
This information is not exhaustive. Further detailed information can be found in the product documents below, which we kindly ask you to study carefully before making an investment decision.
Product documents
The product is issued in the form of a Medium Term Note and is considered a security under the law of the place of circulation. This security is a structured note product of Société Générale (SG), which gives investors the opportunity to achieve returns above the risk free rate depending on the evolution of the EUR/HUF price, while not risking their invested capital.
The structured note may be of interest to investors who are likely to have a EUR/HUF exchange rate within the specified exchange rate range in the medium term, require regular coupon payments while not wanting to risk their invested capital.
- The aim of the product is to achieve a return on the invested capital depending on the evolution of the EUR/HUF exchange rate.
- The term: The product has a 3-year term and if it is held until maturity (as promised by the issuer), at the end of the 3rd year or sooner if certain conditions are met, it will repay 100% of the invested capital.
- Capital protection: 100 percent. However, this will only be received by the investor at the maturity date of the note or on the automatic early redemption dates. This is because during the term, the value of the structured note can be much lower compared to the invested capital, so a sale during the term may result in a partial or complete loss of capital.
