e-Finance CZ Anti-Inflation Bonds

Interest Yield

The bonds are appreciated with a variable interest rate, which is calculated as the sum of a fixed interest rate of 1% and the percentage change in the base consumer price index. To protect investors against potential deflation, the issuer has determined in the base prospectus that the variable interest rate will never be negative. The interest will be paid to the bondholder on 11/1/2026, 11/1/2027, 11/1/2028, and 11/1/2029.

Form of Bonds

The bonds are issued in physical form, registered, and are freely transferable by endorsement, with the transfer not requiring approval and not being subject to any fees. The subscription of the bond is also carried out without any charges.

Use of Funds Obtained from Bonds

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

Bond Redemption

The bondholder may request redemption at the end of the current yield period, provided that they do so no later than three months before its end. The notice period is 3 months.

Subscription and Purchase of Bonds

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

CNB Approval

The basic bond prospectus was approved by the Czech National Bank as the competent authority under Regulation (EU) 2017/1129.
Complete decision of the CNB on the approval of the basic prospectus of the bond offering program

The Czech National Bank approves this prospectus only in terms of its compliance with the standards of completeness, comprehensibility, and coherence imposed 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 securities.

Complete Information

Download: e-Finance CZ – Basic Prospectus of the Bond Program
Download: Final Terms of the Offer for the Issuance of e-Finance CZ Anti-Inflation Bonds 40

The issuance terms 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 an electronic data carrier CD.