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    Trading with Structured Products

    Invest in innovative savings and investment products

    Certificates provide an opportunity to invest in products that give a full or conditional guarantee on their par value in combination with an opportunity to achieve yields higher than the market average for conservative investment products.

    You can find the products that best suits you amongst the wide range of financial instruments designed for any types of investors or market participants. Certificates are instruments based on different types of underlying assets. The certificate’s yield and/or the protection of the investment’s par value depends on the performance of the underlying asset.


    • Full or conditional principal protection

      If you are a conservative investor and believe it is more important to protect your savings, you can select a product with full protection of the nominal value. If you tend to take risks, you can consider a product with conditional guarantee of the nominal value (embedded barrier), which may bring you a better yield.

    • Attractive returns

      Most certificates can bring yields higher than the current market levels of the yields offered by conservative investments. As an investor, you can choose between fixed annual interest payments, yield dependent on the performance of the underlying asset or bonus yield payable on the product’s maturity.

    • Wide range of underlying assets

      You can choose from many assets that are used as underlying assets. Regardless of whether you want exposure to well-known stock indices (EURO STOXX 50, S&P 500, etc.), single shares, a basket of blue-chip equities (big European and global companies) or commodities (gold, silver, oil), you will always manage to find the product that most suits you.

    • Term in line with your investment horizon

      With maturity of several months to 8 years, certificates are suitable both for short-term and long-term investors.

    • Immediate liquidity

      Certificates have a constant secondary market, so if you make substantial capital gains or need immediate liquidity, you can sell part or all of your investment.


    Certificates are products similar to bonds, where one issuer undertakes to pay the product’s par value, plus potential earnings, if predefined requirements are met at defined future date.


    • Freely transferrable, acquirable on a primary market and subsequently tradable on a secondary market.
    • With or without regular interest payments.
    • Fixed (guaranteed) or floating (uncertain) principal payment on maturity.
    • Linked to the performance of one or several underlying assets.

    Clients can trade certificates by placing orders, in the same way as ordinary securities. You can find out more details of their main features in the Frequently Asked Questions section.


    According to the bank’s current tariff for individuals.

    How to apply

    Visit registered office of the bank and sign an investment services contract. All you need is your ID card. Bonds are traded by placing an order by telephone, email or in person at one of our registered offices, on the basis of prior quote by our brokers or dealers.

    Application criteria

    To trade securities, you must be at least 18 years old and have a current or other account with KBC Bank.

    Frequently asked questions

    What are certificates and how can I trade them?

    Certificates are securities issued by banks as bonds. Their issuer unconditionally undertakes to buy them back on maturity. They can be acquired on a primary market and then traded on a secondary regulated market.

    Certificates entitle you to a fixed or floating principal payment on maturity and the option of regular interest payments.

    What are the main types of certificates and what determines whether my principal is guaranteed?

    The main types of certificates are:

    Structured products offering a guarantee on the money invested on maturity. Also, they may bear a fixed or variable yield for the investor for the entire term of the investment or on maturity, in the form of coupon payments or participation in the performance of the underlying asset.

    Bonus certificates
    Structured products without a guarantee on the money invested, but offering partial conditional protection. They are usually linked to the performance of the underlying asset, and a barrier is usually set.

    Convertible bonds
    Structured products without a guarantee on the money invested. They bear a comparatively high yield in the form of coupons paid regardless of the performance of the underlying asset. If the price of the underlying asset is above a preset barrier, the investor will receive 100% of the money invested on maturity. If the barrier is reached and/or the price of the underlying asset on maturity is lower than a preset strike price, the investor will receive a predetermined number of securities in the underlying asset (number = par value/strike price).

    Express certificates 
    Structured products without a guarantee on the money invested. Their maturity is generally longer, but if the underlying asset is traded above a certain level on preset assessment dates, the product will be bought back at a higher value. If the underlying asset is quoted under the relevant value, the product’s term will be automatically extended until the next assessment date.

    What is an underlying asset?

    This is the asset on the basis of which the certificate is structured. Indices, stocks, gold, oil, bonds, etc. can be used as underlying assets.

    What is a cap?

    For some products, there is an upper limit to the returns that can be made from the certificate. This cap should be noted when taking into account the certificate’s maximum buy-back price.

    What is a barrier?

    Some products offer a conditional protection mechanism for the par value through a so-called barrier. It is a level  preset on the basis of the initial value of the underlying asset. When that level is reached, the product’s protection mechanism will no longer apply.

    What are the advantages of investing in certificates compared with other investment schemes?

    The certificates’ main advantages are as follows: high liquidity, lack of management fees, full or conditional guarantee of the principal, option to choose a strategy for any type of market, high degree of protection, option to receive ongoing fixed yields and easy market access with a minimum investment.

    To what extent am I protected as an investor?

    Bulgaria operates a Securities Investor Compensation Fund which covers losses resulting from the bankruptcy of an investment firm of up to 90% of the assets held, but no more than BGN 40,000. Only investors classified as non-professional clients are entitled to compensation from the Fund.

    In accordance with current statutory provisions, KBC Bank keeps its clients’ securities separate from its own securities. Depending on the type of security, they are held at Central Depositary AD, Bulgarian National Bank or foreign depositaries.

    If an issuer becomes bankrupt, bondholders are ranked before shareholders when it comes to satisfying the claims of the creditors.

    What are the fees and commissions charged in the trade of securities?

    All fees and commissions are set out in the bank’s tariff, which is available on the KBC Bank website.

    What steps should I take to trade securities?

    To trade financial instruments through KBC Bank, you must become a customer of the bank and sign an investment service contract.

    How do I buy and sell financial instruments?

    Our brokers accept orders for financial instruments both by phone and email. Orders can be placed in selected offices of the bank.


    Markets in Financial Instruments Directive

    Harmonisation of regulations, procedures and requirements relating to transactions in financial instruments within the Community. 


    Capital Market Sales Department

    Brokers financial instruments
    Tel.: (+359 2) 91 985 490, (+359 2) 91 985 496

    Head of Capital Market Sales Department
    Tel.: (+359 2) 91 985 456


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