Anti-inflation bonds

Bonds e‑Finance CZ Anti-inflation 39 with annual interest INFLATION + 1 %

The company e‑Finance CZ issues, as of October 1, 2025, the inflation-linked bonds e‑Finance CZ Anti-inflation 39 within the e‑Finance CZ bond program, with a total maximum volume of CZK 3,000,000,000 and a maximum outstanding bond volume of CZK 500,000,000. The bonds e‑Finance CZ Anti-inflation 39 can be ordered from August 8, 2025.

Order form

Interest Yield

The bonds bear interest at a floating interest rate, calculated as the sum of a fixed interest rate of 1% and the percentage change in the underlying consumer price index. To protect investors against potential deflation, the issuer has specified in the base prospectus that the floating interest rate will never be negative. Interest will be paid to the bondholder on October 1, 2026, October 1, 2027, October 1, 2028, and October 1, 2029.

Form of Bonds

The bonds are issued in paper form, registered in the holder's name, and are freely transferable by endorsement. The transfer does not require approval and is not subject to any fees. Similarly, subscription to the bond is carried out without any fees.

Use of Proceeds from Bonds

The issuer intends to invest the proceeds obtained from the bonds primarily in the development and financing of business activities of the issuer, its parent company, and sister companies, particularly in the areas of construction, purchase, revitalization, leasing, operation, and sale of real estate; acquisition of business shares in commercial corporations whose main economic activity is the management of their own real estate; establishment of commercial corporations whose main economic activity is the management of their own real estate; management of business shares held by the issuer, parent company, or sister companies in commercial corporations; and the development and financing of commercial corporations in which the issuer, parent company, or sister companies hold a business share.

Bond Redemption

The bondholder may request redemption at the end of the current interest period, provided that such request is made no later than three months before its end. The notice period is 3 months.

Subscription and Purchase of Bonds

First, you will conclude a bond subscription and purchase agreement, then pay the issue price of the subscribed bonds either by transfer to the account specified in the agreement or in cash (cash only up to the equivalent of CZK 250,000), after which the bonds will be handed over to you. Bonds can also be sent by mail as an insured valuable shipment. The nominal value of one bond and the minimum investment amount is CZK 50,000. The bond subscription agreement can be concluded directly at the headquarters of e-Finance Group in Brno at Bratislavská 234/52, by correspondence, or after filling out the order form below.

Approval by the Czech National Bank

The base prospectus of the bonds has been approved by the Czech National Bank as the competent authority pursuant to Regulation (EU) 2017/1129.
Complete CNB decision on the approval of the base prospectus of the bond offering program

The Czech National Bank approves this prospectus only in terms of its compliance with the standards regarding completeness, comprehensibility, and consistency required by Regulation (EU) 2017/1129. This approval should not be understood as an endorsement of the quality of the securities that are the subject of this prospectus. Investors should conduct their own assessment of the suitability of investing in these securities. We recommend that potential investors read the prospectus before making an investment decision to fully understand the potential risks and returns associated with the decision to invest in the securities.

Complete Information

Download: e-Finance CZ – base prospectus of the bond program
Download: Final terms of the offer for the issue of e-Finance CZ Anti-inflation 39 Bonds

The issue conditions can also be reviewed at the issuer's headquarters at Bratislavská 234/52, Brno, where they are available free of charge in brochure form and on electronic data carrier CD.