Friday, April 23 2010 14:00

"Structured" deposits from Ameriabank already available in financial market


ArmInfo. Ameriabank has launched an unprecedented service of "Structured" deposit for individual and legal persons in the Armenian financial market. The proposed deposit gives an opportunity of access to international markets and an unprecedented opportunity of income earning in these markets without market risks.

As Ameriabank press service told ArmInfo, the minimum deposit amount makes up $40,000. Income from this deposit consists of two parts: the first part is a fixed income paid by the bank in case of a traditional deposit, and the second part is an additional income which is formed as a result of change of international prices for underlying assets. Moreover, oil, gold and Dow Jones index are considered such assets. Additional income is part of the income formed due to change of asset prices and is determined by the bank on a daily basis through a participation factor as of the time of deposit attraction. This factor allows the bank to manage risks. The fixed asset rate has been established within 1-5% depending on a depositor choice, based on which the bank determines the depositor's share in this asset. According to the source, this kind of deposit enables to earn income even in case of unexpected change of the asset price, which will be equal to the primary income of "Structured" deposit at the given moment.

As the source reports, the bank offers two kinds of a structured deposit - by growth and reduction. So, in case if a growth deposit is chosen, additional income is paid when income from rise in the asset price exceeds the primary income calculated at a fixed rate, and in case if a reduction deposit is selected, additional income is paid when income from reduction of the asset cost is negative. In both cases, Ameriabank assures receipt of additional income in parallel with the primary income.
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