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Private banking represents the highest level of care of your financial assets. Whether you wish to decide on your investments by yourself or entrust their administration to our investment specialists, we will do everything we can to increase your assets and protect them from depreciation. At the same time, you can rely on the professionalism and individual approach of our private bankers. You don´t even need to visit the bank anymore. We will come to you and make the best products on the financial market available to you.
Select from two basic methods of how we would take care of your money.
1. You may control and guide the administration of your investments by yourself. By means of individually purchased securities and other financial instruments, you will gain access to a wide range of products from all over the world. It just depends on your preferences, and you can consult with our investment experts on individual matters at any time.
2. If you prefer to have professionals administrate your investments, use our asset management service. You just set the rules and we will take care of complete administration and improvement of your financial assets.
If you rank among investors who are not satisfied with their earnings on term deposits and at the same time prefer regular payments of stable earnings, we have an offer for you to invest in corporate bonds.
What is the corporate bond and what principle does it operate on?
As an investor, by purchasing bonds you lend money to the subject who issued them (the issuer). For this, the issuer pays an agreed interest profit on a regular basis and also repays the nominal value of the bonds upon their maturity.
As compared with term deposits, investment in bonds is not protected by the Deposit Protection Fund. On the other hand, corporate bonds bring much higher earnings to the investor, and an option to sell them even prior to their maturity.
From the wide supply of corporate bonds, our clients most frequently select bonds from the economically strong and diversified PENTA Group, which you may acquire exclusively via Privatbanka.
BENEFITS OF THE OFFERED BONDS
Disadvantages:
with minimal investment 100 000 €
with minimal investment 3 000 €
PROJECTS FUNDED ALSO THROUGH THE BONDS FROM PENTA GROUP
The Penta Group has the ambition to continue its dynamic growth in the coming years and has therefore decided to expand its current sources of financing by offering Penta funds.
Penta funds are qualified investor funds through which clients can invest directly in the Penta Group in a manner anal-ogous to its partners (owners) and participate in the economic results of all its portfolio companies and real es-tate projects, i.e., participate in the appreciation of assets.
Investments Group Limited has established:
Through these funds, the company will create sub-funds for qualified investors. The fund and its sub-funds are registered in the Czech Republic and regulated by the Czech National Bank.
Privatbanka, a. s., is the distributor of all funds and exclusively offers fund investment share classes (CAP/FLOOR) with a mechanism for protection against a decrease in investment value. These will only be distributed through Privatbanka, a. s.
The Penta Group want brands like Dr. Max, Fortuna, Penta Real Estate, Primabanka, and Penta Hospitals to continue growing and developing. By investing in ultimate portfolio holding through the Penta Equity Fund, investors can also share in their success.
| Name of Fund Name of Subfund Type of Fund Manager Administrator Consultant Depository |
Penta Equity SICAV, a.s. Penta Equity Subfund Qualified investor fund CODYA investičná spoločnosť, a.s. CODYA investičná spoločnosť, a.s. Penta Funds Management, s.r.o. UniCredit Bank Czech Republic and Slovakia, a.s. |
|---|---|
| Auditor | Ernst and Young Audit, s.r.o. |
| Minimum investment | CZK 1,000,000 / EUR 50,000 |
| Entry fee | Max. 5% |
| Management fee | Max. 2 % of the average fund capital value |
| Targeted yield | 10% -15% p.a. Penta Group’s average annual appreciation over the last 10 years is 14.46% |
| Subscription period | 16.12.2024 - 14.03.2025 * |
| Investment horizon | 5 years |
| Fund capital value (NAV) calculation | Monthly |
| Profit distribution | Accumulation |
| Trading day | Every last calendar day of a month |
* The subscription period for 1 CZK/1 EUR may be terminated before the expiry of the 3-month subscription period at the Administrator’s discretion.
| Name | ISIN | Currency | Min. appreciation | Max. appreciation | Management fee* | Performance fee** | Exit fee | Offering |
|---|---|---|---|---|---|---|---|---|
| A EUR | CZ0008053675 | EUR | 0 % | 10 % | 1.6 % | 100 % above 10 % | Up to 4 years from issue max. 20%, then 0%. | Public |
| B CZK | CZ0008053667 | CZK | 0 % | 10 % | 1.6 % | 100 % above 10 % | Up to 4 years from issue max. 20%, then 0%. | Public |
| C EUR | CZ0008053659 | EUR | - | - | 1.6 % | 20 % of appreciation above 8 % p.a. High Water Mark princip | Up to 4 years from issue max. 20%, then 0%. | Public |
| D CZK | CZ0008053642 | CZK | - | - | 1.6 % | 20 % of appreciation above 8 % p.a. High Water Mark princip | Up to 4 years from issue max. 20%, then 0%. | Public |
| I EUR | CZ0008053634 | EUR | - | - | 1.0 % | 20 % of appreciation above 8 % p.a. | Up to 4 years from issue max. 20%, then 0%. | Public |
Class A EUR and B CZK can only be invested in through the distributor Privatbanka.
* This is only the variable part of the fee. The management fee includes a fixed remuneration of CZK 100,000/month.
** This is the reallocation of fund capital in favour of class P.
Penta Real Estate is one of the leading developers in the Czech Republic and Slovakia. It is behind such iconic projects as Masarycka, SKY PARK by Zaha Hadid, Victoria Palace, and the new Bory district.
Investors will have the opportunity to invest exclusively in Penta's real estate portfolio through the Penta Real Estate Fund. This fund will include both completed income properties and development projects.
Basic parameters| Name of Fund Name of Subfund Type of Fund Manager Administrator Consultant Depository |
Penta Real Estate SICAV, a.s. Penta Real Estate Subfund Qualified investor fund CODYA investičná spoločnosť, a.s. CODYA investičná spoločnosť, a.s. Penta Funds Management, s.r.o. UniCredit Bank Czech Republic and Slovakia, a.s. |
|---|---|
| Auditor | BDO Audit, s.r.o. |
| Minimum investment | CZK 1,000,000 / EUR 50,000 |
| Entry fee | Max. 5% |
| Management fee | Max. 2 % of the average fund capital value |
| Targeted yield | 10% -15% p.a. Penta Group’s real estate projects average annual appreciation over the last 10 years is 15% |
| Subscription period | 16.12.2024 - 14.03.2025 * |
| Investment horizon | 5 years |
| Fund capital value (NAV) calculation | Monthly |
| Profit distribution | Accumulation |
| Trading day | Every last calendar day of a month |
* The subscription period for 1 CZK/1 EUR may be terminated before the expiry of the 3-month subscription period at the Administrator’s discretion.
| Name | ISIN | Currency | Min. appreciation | Max. appreciation | Management fee* | Performance fee** | Exit fee | Offering |
|---|---|---|---|---|---|---|---|---|
| A EUR | CZ0008053592 | EUR | 0 % | 10 % | 1.6 % | 100 % above 10 % | Up to 3 years from issue max. 20%, then 0%. | Public |
| B CZK | CZ0008053600 | CZK | 0 % | 10 % | 1.6 % | 100 % above 10 % | Up to 3 years from issue max. 20%, then 0%. | Public |
| C EUR | CZ0008053683 | EUR | - | - | 1.6 % | 20 % of appreciation above 8 % p.a. High Water Mark princip | Up to 3 years from issue max. 20%, then 0%. | Public |
| D CZK | CZ0008053691 | CZK | - | - | 1.6 % | 20 % of appreciation above 8 % p.a. High Water Mark princip | Up to 3 years from issue max. 20%, then 0%. | Public |
| I EUR | CZ0008053709 | EUR | - | - | 1.0 % | 20 % of appreciation above 8 % p.a. | Up to 3 years from issue max. 20%, then 0%. | Public |
Class A EUR and B CZK can only be invested in through the distributor Privatbanka.
* This is only the variable part of the fee. The management fee includes a fixed remuneration of CZK 100,000/month.
** This is the reallocation of fund capital in favour of class P.
Due to their risk profile, an investor in qualified investor funds is exposed to higher risks than an investor in traditional mutual funds, corporate bonds issued by the Penta Group, or term deposits. On the other hand, this increased risk is compensated by the significantly higher potential return that the investor can achieve when the recommended investment horizon is met.
More information at: www.pentafund.comYour investment options with us are almost unlimited.
We will arrange purchase of almost any financial instrument tradable in any of the world’s leading stock exchanges or off-exchange market.
Contrary to other banks, we offer our clients the ability to invest also in modern effective products such as funds tradable on the stock exchange – Exchange Traded Funds (ETF) or investment certificates. These investment instruments often represent a more favourable alternative for investments than the commonly used unit trusts.
Privatbanka’s over-limit fixed-term deposit lets you effectively increase the value of free financial funds in your fixed-term account.
Individual interest rates with maturity from one day to one year are available from as little as € 25,000 or equivalent in foreign currency.
Privatbanka Wealth Account is dedicated for demanding clients of the private banking including legal entities.
What do you get for FREE:
Privatbanka permits clients to flexibly handle their need for financial funds in foreign currencies as well as to make hedging deals on the foreign exchange market. We provide individual exchange rates to clients in trades from as little as € 5,000 or equivalent in foreign currency. The limit is one of the lowest in the Slovak banking market.
In determining the exchange rate we consider not only the volume of the specific transaction but also the total volume of the deals transacted by the client for a specific period of time. We also provide appealing conditions to clients who make frequent conversions of lower sums.
As a private banking client you may use an appealing loan secured by the assets we manage for you. In this way you get comfortable and quick access to cash without having to cash your portfolio.
WE GRANT LOANS:
A private banker is a specialised bank professional who provides individual care and a specific approach while retaining the principle of the highest discretion. The private banker has excellent knowledge of financial products, knows their clients and their needs. The banker assists in creating the investment strategy, and provides unbiased information about the situation on the financial market.
Sky Park
Bory Mall
Rosum
Pri mýte
ProCare
Svet zdravia
Dr.Max
Waltrovka
Digital park
