Garant bonds

Responsible investment in future topics

Garant bonds

Responsible investment in future topics

In the current market situation it is not easy to find interesting investments. Although stocks offer higher potential returns, they also entail risk. Alternatives are the guaranteed bonds offered by Erste Group. They allow you to invest in a variety of investment themes with reduced risk and the chance of an interesting return depending on the performance of the underlying asset. 

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How does a garant bond work?

Capital protection explained

Advantages

  • Garant bonds offer interesting income opportunities, with and without a minimum interest rate.
  • A wide range of underlyings and investment topics allow for a broadly diversified investment.
  • 1:1 participation in the positive performance of the underlying asset at maturity (any cap must be considered).
  • Minimum redemption at the defined capital guarantee at maturity and therefore protection against possible capital losses.

Risks to be considered

  • The right to repayment at the defined minimum redemption amount by the issuer only applies upon maturity.
  • During the term, price fluctuations are possible and premature sales may lead to capital losses.
  • Investors bear the credit risk of the issuer and the guarantor, i.e., the risk of changes in creditworthiness or insolvency.
  • This security is not covered by any deposit insurance scheme. Investors are exposed to the risk that the issuer and the guarantor may not be able to meet its obligations in the event of insolvency (illiquidity, over-indebtedness) or an official order (bail-in regime). There is the possibility of a total loss of the capital invested.

Important legal information

This information is provided for promotional purposes and is not an investment recommendation. This promotional information is no investment advice, and neither has it been prepared in accordance with the legal requirements for the promotion of independent investment research nor is it subject to any prohibition on dealing after dissemination of investment research.

These financial products are offered to the public in Austria. The final terms and the (base-) prospectus as well as any supplements form the relevant legal basis for this and are thus exclusively binding. Various regulations of the European Union and the Austrian Capital Market Act require a prospectus for these financial products: see the Prospectus Regulation (EU) 2017/1129 and the Commission Delegated Regulations (EU) 2019/980 and (EU) 2019/979. The issuer has prepared this prospectus and it has been approved by the competent authority of the home Member State. However, this does not mean that this authority also recommends the specific security. The law also requires a key information document ('KID') for specific products that are called 'packaged investment products' and defined in the PRIIPs Regulation. This key information document provides information on the main features of the financial product to which it relates.

Risk disclosure

Please note: Investments in securities present not only the opportunities described in the information provided but also risks. Future performance cannot reliably be predicted based on past market performance. We are not permitted, neither directly or indirectly, to offer, sell, resell or deliver these financial products to natural and/or legal persons (entities) who have their place of residence or, as the case may be, their registered office in a country where this is prohibited by the law. In such cases we are not allowed to offer any production information either. This applies especially to the US and to "U.S. persons" as defined by Regulation S under the Securities Act 1933 as amended.

N.B.: You are just about to buy a product that can be difficult to understand. Before deciding whether to invest, we recommend you read all the information available on the financial product you wish to acquire:

  • (base) prospectus
  • the final terms and conditions
  • any follow-on addenda and, where necessary,
  • the key information document (KID)

These documents are available for free at:
Erste Group Bank AG, Am Belvedere 1, 1100 Wien

Please also make sure to read our customer information sheet:

The analyses we make and the conclusions we draw are of a general nature and do not take into consideration the individual investor's personal circumstances like experience and knowledge, investment objective, financial situation, loss-absorbing capacity or risk tolerance.


Date: January 2025

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