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Individually purchased products | Asset management | Private banker

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.



Individually purchased securities

You will find securities from all over the world in our offer:
Corporate bonds
Penta Fund
Products traded on the stock exchange
Are you interested? Arrange a no-obligations consultation with a private banker or give us your contact details and we will call you back.
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Corporate bonds

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

  • Above standard fixed yield
  • Regular payment of the yield to a chosen accountt
  • Possible sale of the bond before maturity

Disadvantages:

  • Your investment is not protected by the Deposit Protection Fund
Bond issues

with minimal investment 100 000 €

Bond issues

with minimal investment 3 000 €

Are you interested in this product? Arrange a no-obligations consultation with a private banker
or give us your contact details and we will call you back.
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PROJECTS FUNDED ALSO THROUGH THE BONDS FROM PENTA GROUP

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Penta Fund

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:


  • Penta Equity Fund SICAV, a.s. - for investors who are interested in investing in all portfolio companies and real estate projects of the Group.
  • Penta Real Estate Fund SICAV, a.s. - for investors who are interested in investing in real estate projects of the Group only.

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.


Penta Equity Fund

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.


Basic parameters

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.
AuditorErnst and Young Audit, s.r.o.
Minimum investmentCZK 1,000,000 / EUR 50,000
Entry feeMax. 5%
Management feeMax. 2 % of the average fund capital value
Targeted yield10% -15% p.a.
Penta Group’s average annual appreciation over the last 10 years is 14.46%
Subscription period16.12.2024 - 14.03.2025 *
Investment horizon5 years
Fund capital value (NAV) calculationMonthly
Profit distributionAccumulation
Trading dayEvery 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.


Investment share classes

NameISINCurrencyMin. appreciationMax. appreciationManagement fee*Performance fee**Exit feeOffering
A EURCZ0008053675EUR0 %10 %1.6 %100 % above 10 %Up to 4 years from issue max. 20%, then 0%.Public
B CZKCZ0008053667CZK0 %10 %1.6 %100 % above 10 %Up to 4 years from issue max. 20%, then 0%.Public
C EURCZ0008053659EUR--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 CZKCZ0008053642CZK--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 EURCZ0008053634EUR--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 Fund

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.
AuditorBDO Audit, s.r.o.
Minimum investmentCZK 1,000,000 / EUR 50,000
Entry feeMax. 5%
Management feeMax. 2 % of the average fund capital value
Targeted yield10% -15% p.a.
Penta Group’s real estate projects average annual appreciation over the last 10 years is 15%
Subscription period16.12.2024 - 14.03.2025 *
Investment horizon5 years
Fund capital value (NAV) calculationMonthly
Profit distributionAccumulation
Trading dayEvery 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.


Investment share classes

NameISINCurrencyMin. appreciationMax. appreciationManagement fee*Performance fee**Exit feeOffering
A EURCZ0008053592EUR0 %10 %1.6 %100 % above 10 %Up to 3 years from issue max. 20%, then 0%.Public
B CZKCZ0008053600CZK0 %10 %1.6 %100 % above 10 %Up to 3 years from issue max. 20%, then 0%.Public
C EURCZ0008053683EUR--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 CZKCZ0008053691CZK--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 EURCZ0008053709EUR--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.


Risks associated with the investment

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.com
Are you interested in this product? Arrange a no-obligations consultation with a private banker
or give us your contact details and we will call you back.
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Individually purchased products

Your 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.

Are you interested in this product? Arrange a no-obligations consultation with a private banker
or give us your contact details and we will call you back.
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Asset management

We provide our clients with asset management, i.e. the complex administration of financial assets, through Privatbanka Wealth Management. This offers a custom-made actively managed portfolio and other financial and non-financial benefits as well. If you wish to improve your assets efficiently and prefer to entrust the administration of your money to the professionals, this service is just right for you.

The Privatbanka Wealth Management service is available to the clients with a volume of financial funds of over € 100,000.


FIND OUT MORE
Other products and services

Over-limit fixed-term
deposits
Current accounts
and payments
Exchange deals
Loans
Are you interested? Arrange a no-obligations consultation with a private banker or give us your contact details and we will call you back.
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Over-limit fixed-term deposits

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.

Are you interested? Arrange a no-obligations consultation with a private banker or give us your contact details and we will call you back.
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PRIVATBANKA WEALTH ACCOUNT

Privatbanka Wealth Account is dedicated for demanding clients of the private banking including legal entities.
What do you get for FREE:

  • Opening and keeping account
  • MasterCard Gold payment card with individual insurance
  • Card payments abroad and home
  • Internet banking
  • SEPA payments
  • Cash deposits and withdrawals at a branch
  • Cash withdrawals from affiliate Prima Bank ATMs in Slovakia
  • Monthly account statement

INTEREST RATES

Are you interested? Arrange a no-obligations consultation with a private banker or give us your contact details and we will call you back.
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Looking for something else? Check the other current accounts we offer.
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EXCHANGE DEALS

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.

Are you interested? Arrange a no-obligations consultation with a private banker or give us your contact details and we will call you back.
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Loans

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:

  • standard with instalments or overdrafts,
  • up to € 100,000,
  • denominated in € or CZK,
  • maturity up to 3 years.
Are you interested? Arrange a no-obligations consultation with a private banker or give us your contact details and we will call you back.
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Private banker

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.

Select your banker