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Everything KB offers
This page contains an overview of all the products and services designed for companies with a turnover under 60 million by Komerční banka. The product and service overview is arranged in alphabetical order.
Acceptance of Payment Cards
A convenient method of payment for your customers. Acceptance of payment cards via a payment terminal or the Internet allows for payment for goods and services with a payment card. With KB, you can accept payment cards from all card associations issued by any bank in the Czech Republic or abroad. The offer can be extended to include Cash back for withdrawal of cash at the checkout when paying by card.
Agreement on Administration of a Purchase Price
The essence of the Agreement is deposit of a purchase price by the buyer at the level resulting from the purchase contract, obligation on the part of the bank to accept the purchase price into its administration and to pay out the purchase price (administered amount) to the seller subject to the agreed conditions, or to return this to the buyer.
American Forward
American forward is modification of currency forward, which includes elements of an American type of currency option. The counterparties agree on the usual parameters such as the currency pair, the nominal and the maturity date. The buyer of the American forward is also entitled to request (at any time in the determined period given by the Start date and the maturity date) partial exercising (at any time until the maturity date). If the buyer of the American forward does not exchange the whole nominal by the maturity date of the American forward, the remaining amount of the nominal is settled on this date.
Authorised Overdraft in a Commercial Current Account
Authorised overdraft is a short-term overdraft in CZK for financing fluctuations in the client's current funds. It is provided in the business current account. The client can thus draw on funds in their account up to the contractually agreed limit of the debit balance.
Bank Guarantee
An effective method of decreasing commercial risks relating to doing business. A universal instrument for securing transactions which can be used the world over. A Bank guarantee is created by written declaration by the bank in a letter of guarantee that it will satisfy the creditor up to the level of a specific financial amount if the debtor fails to meet a specific obligation or if other conditions as set out in the letter of guarantee are not met.
Bank Cheque Issued by KB
A secure method of settling commercial payments or private liabilities. KB guarantees cashing of the cheque, so the recipient also gains certainty that he or she will receive his or her money. KB issues bank cheques in several currencies. Bank cheques can be issued by transfer from a current account up to an unlimited level, or in exchange for payment in cash up to the level of CZK 500,000 or the equivalent in foreign currency.
Bank Overdraft for a Definite or Indefinite Period in CZK and in a Foreign Currency
The Bank overdraft is especially intended for financing of operational requirements resulting from the client's commercial activities. The loan is administered in the client's current account.
Barrier Currency Option
The Barrier currency option allows the buyer to hedge his or her position against undesirable development of currency rates. Barrier currency options can be divided into ”knock in“ and ”knock out“ types. Knock in type options behave in the same way as currency (call/put) options, if they are activated during their existence. Knock out options behave in the same way as currency (call/put) options, if they are deactivated during their existence (they then expire). The level of risk accepted results from the character of the Barrier currency options.
Binary Currency Option
They buyer of a Binary option invests amount X (the premium) in expectation of receiving higher amount Y (the nominal amount) subject to meeting of defined conditions relating to development of the reference exchange rate.
Business Silver Card
Business payment cards with high weekly limits. An international payment card for demanding clients. Exclusive additional services, especially Travel insurance for embossed cards.
Car Insurance
A variable and flexible offer of car insurance. Each product is available in several alternatives. Motor vehicle liability insurance (so-called third party insurance), fully comprehensive insurance, additional insurance (windscreen insurance, luggage insurance, exclusive assistance service, accident insurance, rental fees during repair to the vehicle or insurance for the new price of the vehicle).
Cash Back – Payout of Cash at the Checkout in Shops Using Payment Cards
Cash back allows your clients to withdraw cash at the same time as paying by card at the checkout. The service is offered to holders of payment cards, this including debit, credit and charge cards, personal and business cards and VISA, VISA Electron, Maestro and MasterCard types.
Commodity Forward
The agreed fixed forward price of a commodity is compared with the closing price of the commodity published on the dates agreed when the transaction is arranged. The difference in the prices, for the given amount of commodity, is paid by the party in the disadvantageous position.
Commodity Option
In general, an option represents the right to purchase or sell a defined instrument on the agreed date. In the case of a Commodity option, instrument is understood to mean exchange of payments from the agreed fixed price of a commodity for payments dependent on the current prices or average prices of the reference commodity. Commodity option allows the buyer to hedge his or her position in terms of an increase or decrease in price of a specific commodity.
Commodity Swap
The agreed fixed forward price of the commodity is compared with the daily closing prices (or with the official, e.g. the official three-monthly pricing average). The difference in prices, for the given amount of commodity, is paid by the party in the disadvantageous position.
Corridor Structured Deposit
Structured Deposit Corridor extends the offer of deposit products, allowing clients a higher level of appreciation of free funds on correct estimation of market development. The client can decide whether to make the deposit in the form of a term deposit or deposit bill of exchange.
Credit Card for Entrepreneurs
A combination of a payment and loan product. Allows you to pay for goods and services and withdraw cash independently of the balance in your business current account. The credit card provides you easily and quickly with a loan up to the level of CZK 200,000, which you can drawn on anywhere in the world where you see the MasterCard logo. Now 2,2% price discount at Benzina filling stations.
Cross Currency Swap
Cross Currency Swap is an agreement on exchange of principals of two currencies and the interest costs relating to these. Party A undertakes to purchase funds in currency 1 from party B for a certain amount of funds in currency 2, on a fixed date and also undertakes to sell back the same amount of funds in currency 1 for a certain amount of funds in currency 2 at the same exchange rate and on a later fixed date, no later however than within one year from conclusion of the transaction. Over the course of the transaction, the parties mutually pay interest on the currencies, which they purchased from each other at the start of the transaction.
Currency Forward
The Currency forward product is purchase or sale of one currency for another currency subject to a rate agreed in advance by the participating parties. Settlement of the transaction takes place with a forward value date (i.e. longer than 2 working days from the date the transaction is agreed).
Currency Option
The Currency option product represents the right (option) to purchase or sell a specific amount of one currency for another currency subject to the foreign exchange rate agreed by the participants in advance on the agreed date.
Currency Spot
A Currency spot operation is purchase or sale of one currency for another currency subject to a rate agreed in advance by the participating parties. Settlement of the transaction takes place as standard with a spot value date, i.e. two working days after the date the transaction is concluded.
Currency Swap
A Currency swap (or also Foreign exchange swap) operation is a combination of two transactions, spot and forward. This product consists in sale of one currency for another currency with settlement no later than on the spot value date and buyback/resale with settlement on the forward value date. Both transactions are concluded at the same moment.
Current account for capital composition
Prior to their establishment, trade companies are designated a Current account for capital composition for the purpose of fulfilling their statutory obligations.
Current Account in a Foreign Currency
A basic banking product with the option of using most other products and services offered by KB. A current account for depositing funds and for implementation of cash and cashless payment transactions. It allows you to gain related products and services offered by KB. The Current account in a foreign currency is offered in the following currencies: AUD, BGN, CAD, DKK, EUR, GBP, HUF, CHF, JPY, NOK, PLN, RON, RUB, SEK, TRY and USD.
Current Account in CZK
A basic banking product with the option of using most other products and services offered by KB. A current account for depositing funds and for implementation of cash and cashless payment transactions especially in CZK. It allows you to gain related products and services offered by KBincluding an authorised overdraft up to the level of CZK 3 million.
Custody of Securities
On the basis of a contract Komerční banka, a.s. will arrange for you the settlement of securities transactions and ensure their safekeeping, including corporate events related to the holding of securities (eg payment of dividend or coupon, redemption). Based on your requirement KB will arrange also opening of segregated custody accounts with the Central Securities Depository Prague or foreign depositories.
Development Financing
Development financing allows for financing of a development project, i.e. business plan, the aim of which is to build or purchase real estate for the purpose of its rental or sale.
Direct Channel
Direct channel allows you to simply and quickly send payment orders and download bank statements directly in the environment of your accounting system. A simple and effective supplement to the MojeBanka service. An up-to-date list of accounting systems which Direct channel is fully integrated into can be found here.
Documentary Collection
A classic documentary payment instrument used above all in foreign trade. This instrument is used in most countries around the world. Documentary collection provides the seller with the certainty that the submitted documents, and goods in the case of documents of title, will not be issued to the buyer until the collection conditions are met.
Documentary Letter of Credit
An effective tool for limitation of risks relating to purchase of goods. One of the most elaborate payment security instruments. A Documentary letter of credit offers high quality payment security for both parties to the commercial transaction – both the seller and the buyer.
Domestic Cashless Payment Transactions
Domestic cashless transfers can be submitted in CZK in favour of accounts in Komerční banka and to other domestic bank and in foreign currency, only to accounts in Komerční banka. Orders can be submitted at any branch of the bank. A Self-service box is available for clients. Orders can also be submitted with the aid of direct banking products.
Domestic Cash Payment Transactions
Domestic cash transactions allow you to deposit and withdraw cash in CZK and selected foreign currencies at KB branches. Cash can be deposited at cash counters and withdrawals are made using a withdrawal slip or cheque at KB branches, which provide cash services.
E-card
Do you want to be able to make absolutely secure purchases on the Internet? e-Card is a virtual card, which ensures fast and secure implementation of your on-line transactions.
Export Buyer's Credit
The Export Buyer's Credit is a specific loan, which is provided by the exporter's bank to a foreign buyer/debtor (the debtor may be the foreign buyer's bank or the foreign buyer himself or herself). The loan is usually provided up to the level of 85% (in some cases up to 100%) of the value of the commercial contract concluded between the exporter and his or her foreign buyer.
Expresní linka
Expresní linka for modern, fast and convenient communication with the bank by telephone. A direct banking service, which allows you to use banking services whenever you want via the 955 559 559 line. By activating the additional Expresní linka Plus service, you can also gain access to your accounts via the Internet.
Expresní linka Plus
Expresní linka Plus is a service, which allows for fast access to information about your account at any time of the day or night. It also provides users of telephone banking and all other bank clients the possibility of downloading electronic statements.
Extendible Bonus-Reset Forward
Extendible Bonus-Reset Forward allows the client to implement several currency forwards for a significantly more advantageous exchange rate than usual for zero initial costs. However, the client does not know the resulting exchange rate or exchanged nominal until the maturity date. The transaction can be extended by the extendible period.
Extendible Forward
Extendible forward allows the client to implement several currency forwards for a significantly more advantageous exchange rate than usual for zero initial costs. However, the client does not know the exchanged nominal or whether the exchange will take place at all until the maturity date of individual currency forwards.
Extendible Structured Knock-In Forward
Extendible Structured Knock In Forward allows the client to implement several currency forwards for a significantly more advantageous exchange rate than usual for zero initial costs. However, the client does not know the resulting rate, the exchanged nominal or even whether the exchange will take place at all until the maturity date of individual currency forwards.
Financial Promissory Notes
A Komerční banka investment banking product. The purpose is to find a counterparty on the market for a client who wants to borrow funds for a short time, which is willing to lend the money. Komerční banka acts as the service provider, which looks for a counterparty for the transaction. The bank then collects contractual commission from the issuer and the investor for provision of the transaction.
Financing of an Export Supplier Loan
Export supplier loan financing – the exporter provides the foreign buyer with deferral of payment for goods or services supplied. The receivable created for the exporter owed by the foreign buyer, which has deferred maturity, is assigned by the exporter to the bank. The bank charges a specific fee for this service and has no possibility of exercising recourse towards the exporter.
Foreign currency term deposit account
Safe and attractive valuation of your funds in KB term deposit accounts. You may deposit any amount starting from EUR 1,000 or USD 1,000 for the period you deem appropriate (from 1 week to 5 years). The interest rate is guaranteed throughout the term of the deposit. The account opening, maintenance, and cancellation are FREE OF CHARGE.
Foreign Payment Transactions
Foreign payment – the most widespread and simplest payment instrument in foreign cashless payment transactions. Cashless transfer of funds.
Forfaiting
Forfaiting is assignment to KB for consideration of a client's receivables due in the future, which were created in terms of commercial transactions implemented. This concerns purchase of receivables without recourse to the original owner.
Forward Accumulator
Forward Accumulator allows the client to implement a currency forward for a more advantageous exchange rate than usual for zero initial costs. However, the client does not know the precise nominal, which will be exchanged, until the maturity date of the Forward Accumulator.
Forward Accumulator with Knock-out Barrier
Forward accumulator with Knock-Out barrier allows the client to implement a currency forward for a more advantageous exchange rate than usual for zero initial costs. On the other hand, the client does not know the precise nominal, which will be exchanged, until the maturity date of the Forward accumulator.
Forward Boost
Forward Boost allows the client to implement a currency forward for an agreed nominal amount for a more advantageous exchange rate than usual for zero initial costs.
Forward Corridor
Forward Corridor allows the client to implement a currency forward for an agreed nominal amount for a more advantageous exchange rate than usual for zero initial costs.
Forward Rate Agreement
An FRA transaction(Forward Rate Agreement) is a contract between the bank and the client, the subject of which is an agreement on the future interest rate for a particular deposit or loan within a certain agreed future period of time, whereas no actual provision of a loan or acceptance of a term deposit occurs between the contracting parties, but only exchange of the difference between the interest agreed in terms of the FRA transaction (“FRA rate”) and the current market interest listed on the financial market in the agreed future period of time for the term deposit or loan, which precisely corresponds to the conditions of the FRA transaction.
Forward Scoop
Forward Scoop allows the client to implement a currency forward for an agreed nominal amount for a more advantageous exchange rate than usual for zero initial costs.
Cheques for Collection
Komerční banka mediates collection of cheques payable in any domestic or foreign bank. The service is available to KB clients and other holders of cheques. The bank is only the intermediary for collection of the cheque and does not guarantee its result.
IKS Mutual Funds
Possibility of increasing the value of free funds via the capital markets if you do not want to or cannot invest directly into securities. The offer of mutual funds from Investiční kapitálová společnost KB ranks it among the most prestigious investment companies on the Czech market. The IKS Family of funds provides a wide range of possibilities for investing with a differing level of risk and various investment horizons.
Immediate Payout of Bank Cheques of other Domestic Banks Drawn up in CZK
Komerční banka, a.s.,cashes bank cheques of other domestic banks with which it has concluded an agreement on mutual payment of bank cheques issued in CZK. Cheques are cashed immediately after verification of the signature on the cheque.
Immediate Payout of Checks from Other Banks to the Debit of Loro Accounts Held with KB
Komerční banka ensures immediate cashing of cheques issued by other banks, issued to the debit of loro accounts held by KB subject to meeting of the stipulated conditions.
Immediate Payout of Cheques Drawn Up in a Foreign Currency
Komerční banka, a.s., cashes certain foreign cheques for its clients and cheque holders who are not its clients immediately on presentation. The quality of the cheque and KB conditions for cashing of foreign cheques are decisive for cashing of the cheque.
Interest Option
In general, an option represents the right to purchase or sell a defined instrument on the agreed date. In the case of an interest rate option, the instrument is understood to mean exchange of payments from the agreed fixed rate for payments from the determined reference interest rate. Interest rate option allows the buyer to hedge his or her position against increase or decrease of interest rates.
Interest Swap
Interest rate swap is an agreement on exchange of cash flows denominated in one currency, which are derived from a fixed or variable basis. Party A undertakes to pay party B the agreed fixed interest on the agreed principal for the agreed period on the agreed maturity dates and at the same time, party B undertakes to pay party A the agreed variable interest on the agreed principal for the agreed period on the agreed maturity dates.
KB EU Point
KB EU POINT is a consultancy service from Komerční banka for the field of financing projects with grants from the EU structural funds and other sources.
KB Funds
Increasing the value of free funds via the capital markets for those who do not want to or cannot invest directly into securities. The offer of mutual funds from Komerční banka is managed by one of the most prestigious investment companies on the Czech market – Investiční kapitálová společnost KB a.s.
KB Private Cheques
KB issues clients with blank private cheques for all types of current accounts.
Loan for Investment in CZK and in a Foreign Currency
A loan for acquisition of tangible or intangible fixed assets (buildings including projects, machinery and equipment or sets of these etc.) up to the level of the contractual price.
Loan for Operational and Investment Requirements in CZK and in a Foreign Currency
Operational financing of comprehensive commercial requirements with the aid of a single loan contract in CZK and other currencies. Possibility of financing operational requirements resulting from commercial activity and also acquisition of tangible and intangible fixed assets.
Loan for Purchase of Shares or Business Shares in a Trading Company in CZK or in a Foreign Currency
The loan is provided for financing of purchase of a business share in a commercial company and for purchase of shares into a strategic portfolio including privatisation.
Loan for SMEs from the Resources of the European Investment Bank
Loan resources from the European Investment Bank (EIB). On the basis of a contract between Komerční banka and the EIB, Komerční banka is able to provide loans with an interest rate 0.25% p.a. lower.
Loans for Housing Cooperatives and Flat Owners Associations
The suitable parameters of the offer enable financing even without securing and without guarantees from the owners of individual residential units or members of the association.
Financing is possible for the purposes of reconstruction, modernisation, repairs and operation of residential buildings, refinancing of previously provided lines of credit or loans.
Loans with support of CMZR Bank
Make the most of our long-term partnership with the Czech-Moravian Guarantee and Development Bank. We cooperate with CMZR Bank in field of guarantee programs and co-financing of development projects of our clients by subordinated debt by CMZR Bank.
Mark-to-market Forward
Mark-to-Market Forward allows the client to secure himself or herself against exchange rate risk and at the same time, limit the maximum risk of negative revaluation in the event of inauspicious development. The parties to the transaction agree on a forward exchange rate and on a rate limiting the maximum risk of negative revaluation.
Medicum Loan
Medicum is a flexible operational-investment loan with decreased fees and simplified process for application and approval, prepared specially for the requirements of doctors and dentists.
Mini Range Forward
Mini Range Forward allows the client to implement a currency forward for a more advantageous exchange rate than usual for zero initial costs.
Mobilní banka
A revolutionary Internet banking service from Komerční banka predominantly for individual and small-scale entrepreneurs. Mobilní banka allows you to use banking services any time and any place via the display and keyboard of your mobile telephone. Mobilní banka combines the flexibility of telephone banking and convenient Internet banking.
Mobilní banka 2
A direct banking service from Komerční banka available whenever you want and wherever you are via the display and keyboard of a mobile telephone which is connected to the Internet. Mobilní banka 2 is characterised by a high level of user friendliness and usefulness. Thanks to Mobilní banka 2, you always have important telephone numbers at hand.
MojeBanka
Simple communication with the bank via the Internet. MojeBanka – a modern Internet banking service from Komerční banka. MojeBanka allows you to gain information about your accounts and to perform banking operations from the comfort of your own home or office at any time of the day or night regardless of branch opening hours. MojeBanka utilises an advanced security solution based on electronic signature standards.
MojeKarta
MojeKarta – a card with your own design. Thanks to the MojeKarta service, you can design your own card just the way you like. You could for example have a picture of a favourite place, pet, your family or friends on the card.
MojePlatba
MojePlatba allows you to connect your e-shop with Komerční banka direct banking. You have the money for goods and services in your account immediately.
Mortgage Loan in CZK or in a Foreign Currency
A medium-term or long-term loan intended for investment, especially into real estate, which must be secured by mortgaging of real estate.
Multicurrency – acceptance of payment cards in foreign currencies
Service enabling receipt of payments in EUR, USD, GPB and RUB directly to a foreign-currency account in the given currency.
Operational Loans for Business
Short-term, medium-term and long-term loans for operational requirements, investment requirements, for current funds or for a temporary lack of funds. The method of financing is a one-off loan, revolving loan or bank overdraft in a current account.
Payment protection insurance
Apply for a Payment protection insurance to your Profi loan, and you will get more safety for your business with powerful instrument allowing to fulfil obligations even in case of unexpected events.
Perfect Savings
Take advantage of the attractive annual interest rate up to 2.50% and benefit from safe valuation of your funds. Use the Perfect Savings and deposit any amount exceeding CZK 5,000 for the period of 2, 3, 4 or 5 years, whereas the interest rate is guaranteed throughout the term of the savings. Any accrued interest is credited every 3 months. If need be, the deposited funds will be released immediately. The account is set up, maintained, and cancelled free of charge.
Permanent Forward Accumulator
Permanent forward accumulator allows the client to implement a currency forward for a more advantageous exchange rate than usual for zero initial costs. On the other hand, the client does not know the precise nominal, which will be exchanged, until the maturity date of the Forward Accumulator.
Permanent Forward Accumulator with Knock-out Barrier
Permanent forward accumulator with Knock-Out barrier allows the client to implement a currency forward for a more advantageous exchange rate than usual for zero initial costs. However, the client does not know the precise nominal, which will be exchanged, until the maturity date of the Forward Accumulator.
Ponte II Programme
Loans in the Ponte II Programme for financing projects with grants from the European funds. A loan for pre-financing a grant resolves the time discrepancy between payment of project costs and receipt of the grant. The loan for co-financing a project can be used to pay for costs, which are not covered by the grant.
Profi account
Business Account, which you can set up according to your needs. Let do your business easily with products and services of Profi account.
Profi account for Housing Cooperatives and Flat Owners Associations
Account for easy management of your finances
Profi account for start up entrepreneurs
Attractive account for starting your business which you can set up according to your business needs.
Profibanka
Profibanka PC banking is a KB direct banking product. It provides a comprehensive solution for the requirements of companies in the field of payment transactions. Operation is very simple and intuitive. The service uses an advanced security solution based on electronic signature standards.
Profi bill protection
Entrepreneurs insurance connected with Profi account. It covers regular monthly payments related with your business in case of work inability or total disability. It ensures also quick financial indemnity for your relatives in case of accidental death. The range of coverage is defined in accordance with the outgoing regular payments from the business account of the insured.
Profi Card
Profi Card is a payment card for your company. You retain management control over use of the card thanks to the possibility of setting various limits for drawing funds.
Profi Factoring
Profi Factoring is a modern and easy way of financing your trade receivables. With Profi Factoring, you not only gain financing, but also active management, collection and recovery of receivables by a factoring company.
Profi leasing
Profi leasing in a form of financial lease with buy option is designed to finance purchases of variety of machinery or equipment.
Profi Loan
The Profi loan is a business loan specially designed for small-scale entrepreneurs and SMEs with a significantly simplified and shortened approval process. The Profi loan is a short-term or medium-term loan and is intended for financing current funds, operational requirements or for purchase of tangible investment assets.
Profi Loan FIX
The Profi loan FIX is a business loan specially designed for small-scale entrepreneurs and SMEs with a significantly simplified and shortened approval process. It especially differs from the Profi loan in its annuity repayment with a fixed interest rate.
Profi Merlin
Profi Merlin – insurance, which protects you all around the world against the consequences of misuse of your payment card in the event of its loss or theft. Merlin is the only insurance, which also protects you in the event of misuse of cards issued by other banking institutions based in the Czech Republic. The other risks covered by Merlin insurance include theft of cash withdrawn using the card, loss or theft of personal documents and keys, theft and subsequent misuse of a mobile telephone and also theft or damage to goods, which were purchased and paid for using a KB card.
Profi Savings Account Bonus
A savings account in CZK for clients with free funds starting from CZK 5,000 with high appreciation and immediate access to deposited funds.
Programme Employer
Programme Employer for your employees. Programme Employer allows every employer to find an advantageous individual solution for their personal financial requirements. This will save your company time and money thanks to cashless transfer of salaries to the accounts of your employees in KB.
Ratchet
Ratchet allows the client to implement a set of currency forwards for a more advantageous exchange rate than usual for zero initial costs. The resulting right or obligation of the client to exchange the standard or increased transaction nominal and the resulting exchange rate depends on the development of the reference spot rate, more precisely, on breaching of the defined barriers.
Receivables Discounting (With Recourse)
Receivables discounting is assignment to KB for consideration of a client's receivables due in the future, which were created in terms of commercial transactions implemented. This concerns purchase of receivables without recourse to the original owner.
Scoop Structured Deposit
Structured Deposit Scoop extends the offer of deposit products, allowing clients a higher level of appreciation of free funds on correct estimation of market development. The client can decide whether to make the deposit in the form of a term deposit or deposit bill of exchange.
SEPA EuroPayment
Do you make payments in EUR? Then the SEPA EuroPayment is the perfect product for you – a KB product which can be used to make payments within the SEPA area (= EU 27 + Iceland, Lichtenstein, Norway, Monaco and Switzerland).
Soft Forward Accumulator
Soft forward accumulator allows the client to implement a currency forward for a more advantageous exchange rate than usual for zero initial costs. On the other hand, the client does not know the precise nominal, which will be exchanged, until the maturity date of the Forward accumulator.
Soft Forward Accumulator with Knock-out Barrier
Soft forward accumulator with Knock-Out barrier allows the client to implement a currency forward for a more advantageous exchange rate than usual for zero initial costs. On the other hand, the client does not know the precise nominal, which will be exchanged, until the maturity date of the Forward accumulator.
Structured Binary Deposit
Structured Binary Deposit extends the offer of deposit products, allowing clients a higher level of appreciation of free funds on correct estimation of market development. The client can decide whether to make the deposit in the form of a term deposit or deposit bill of exchange.
Structured Digital Deposit
Structured digital deposit extends the offer of deposit products, allowing clients a higher level of appreciation of their free funds on correct estimation of market development. The client can decide whether to make the deposit in the form of a term deposit or deposit bill of exchange.
Structured Dual Deposit
Structured dual deposit extends the offer of deposit products, allowing clients a higher level of appreciation of their free funds on correct estimation of market development. The transaction includes a limit condition, which determines the method and currency of payment of the deposit. Payment of the principal and interest either takes place in the deposit currency or in another agreed currency. The client can decide whether to make the deposit in the form of a term deposit or deposit bill of exchange.
Structured Reverse Dual Deposit
Structured reverse dual deposit extends the offer of deposit products, allowing clients a higher level of appreciation of their free funds on correct estimation of market development. The transaction includes a purchase option agreed in favour of the bank, on the basis of which, the bank is entitled to ask the client to sell the bank the agreed currency on the maturity date at the level of the deposit nominal subject to an exchange rate agreed in advance. The bank is only entitled to exercise the option if the limit condition is met. The client can decide whether to make the deposit in the form of a term deposit or deposit bill of exchange.
Supplementary Pension Insurance
Supplementary pension insurance with a state contribution for retirement without any financial worries. A long-term savings product for creation of sufficient financial reserves for your retirement.
Swaption
Swaption represents the right to enter into swap on some future date. The buyer of swaption gains a right (not obligation) to close a swap (swap defined in advance – notional amount, exchanged interest payments, calculation periods, maturity) with the seller of the swaption. The buyer pays option premium to the seller for this right.
Target Accumulator
Target accumulator allows the client to implement a series of currency forwards for a more advantageous exchange rate than usual for zero initial costs. The client does not know the precise nominal, which will be exchanged, until the maturity dates of the individual forwards. If the target amount is accumulated, the transaction ends and the remaining currency forwards are not settled at all.
Term deposit account maintained in CZK
Safe and attractive valuation of your funds in KB term deposit accounts. You may deposit any amount starting from CZK 5,000 for the period you deem appropriate (from 1 week up to 12 months). The interest rate is guaranteed throughout the term of the deposit. In case you own any of the specified current account packages, you will receive additional interest rate bonus of 0.2% per annum. The account opening, maintenance, and cancellation are FREE OF CHARGE.
Term Deposit with Individual Rate
The Term deposit with individual interest rate represents the possibility of saving free funds subject to very favourable interest conditions, derived directly from the current prices on the interbank market.
TF OnLine – Modern Application for Provision of Trade Finance Products
The TF OnLine application for secure communication with the bank in terms of Trade Finance products. This is used for sending requests for issue, performance of changes and monitoring the current states of processing of Trade Finance products. Available from anywhere in the world, 24 hours a day, 7 days a week.
Trading Deposit Bill of Exchange
The Promissory note of Trading offers depositing of free funds subject to very favourable interest conditions derived directly from the current prices on the interbank market. The Promissory note of Trading is a non-transferable promissory note with a maturity of 1 day to 12 months, which is issued in CZK and in certain foreign currencies.
Trading with Debit Notes
Provision of purchase and sale of bonds on the Prague Stock Exchange (PSE) or on international markets including settlement of transactions and management – c-client.
Trading with Debit Notes on the Prague Stock Exchange
Procurement of purchase and sale of bonds on the Prague Stock Exchange (PSE) including settlement of the transaction and administration.
Trading with Emission Permits
Trading with emission permits allows the client to optimise the number and structure of permits held, or gain free capital. Trading with emission permits is subject to value added tax.
Trading with Securities
Provision of purchase and sale of shares on the Prague Stock Exchange (PSE) or on international markets including settlement of transactions and management – c-client.
Trading with Securities on the Prague Stock Market + E86
Procurement of purchase and sale of shares on the Prague Stock Exchange (PSE) including settlement of the transaction and administration.
Travel Insurance
Travel insurance for peace of mind on your travels. Combination possible with a suitable additional insurance policy (accident, liability for damage, luggage and trip cancellation). Travel insurance programmes with a discount of 10%, for individuals and for families with children. Possibility of arranging Travel insurance on-line with a discount – saving you time and money.
VISA / MasterCard Business Gold Card
A Gold card for discerning clients. The most globally recognised payment card from VISA and MasterCard. The path to unrivalled payment services including attractive additional products and travel insurance for gold and silver cards.
Vital Programme
The Vital Programme is an advantageous means of motivation for your employees and your company. The Vital Programme allows the employee to choose from two types of life insurance. What is more, the company's tax base is decreased by the contributions paid to employees without limitation.
Warrant Trading
Procurement of purchase and sale of warrants on the Prague Stock Exchange (PSE) or on international markets including settlement of the transaction and administration – c-client.
Wedding Cake Structured Deposit
Structured Deposit Wedding Cake extends the offer of deposit products, allowing clients a higher level of appreciation of free funds on correct estimation of market development. The client can decide whether to make the deposit in the form of a term deposit or deposit bill of exchange.
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