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Certificate with 100% principal protection – 3 years

EUR Digital Coupon Capital Protection Certificate on EURO STOXX Select Dividend 30 (Price) Index

The 100% principal protected certificate (EUR Digital Coupon Capital Protection Certificate on EURO STOXX Select Dividend 30 (Price) Index) is a combination of a debt financial instrument and a derivative, which at the same time protects the invested principal against loss if the stock index drops during the relevant period and allows participation in the capital market and predefined earnings if the stock index rises during the relevant period.

Features

  • Term: 3 years
  • Currency: EUR
  • Fundraising period: October 12 – November 06, 2026
  • Minimum amount to register the certificate: EUR 1,015
  • Principal protection level: 100%
  • Additional return: 4.70% p.a.
  • Conditions precedent to additional return: If the value of the EURO STOXX® Select Dividend 30 index on defined observation dates is same or higher than its value as of the investment start date, additional return will be paid to the client, irrespective of how much the index rose.

Target market

The 100% principal protected certificate is intended for:

  1. investors classified as professional investors
  2. investors classified as retail investors having an appropriate level of investment knowledge and experience
  3. investors for whom an investment in this certificate is suitable
  4. investors who stand to benefit from investing part of their financial assets for a period of three years

The 100% principal protected certificate is not intended for:

  1. investors without sufficient investment knowledge and experience
  2. investors for whom an investment in this certificate is not suitable
  3. investors who want to dispose of their invested financial assets before the certificate’s maturity date

Benefits

  1. 100% principal protection at maturity
  2. an opportunity to earn an additional return of 4.70 % p.a. if the EURO STOXX®Select Dividend 30 index on defined observation dates is same or higher than its value as of the investment start date. 

Risks

  1. The certificate includes the risk that the Issuer (UniCredit) will be unable to pay or perform its obligations, in which case all or part of the investment may be lost.
  2. If the certificate is sold before its maturity date, part of the invested principal may be lost because the invested principal is protected at maturity.

Use

According to the Key Information Document, the certificate matures on 12, November  2029.  

Underlying index observation dates for the additional return are as follows: November 4, 2027, November 6, 2028 and November 5, 2029.

Payment dates of the additional return are as following: November 11, 2027, November 13, 2028 and November 12, 2029.

If you register 10 certificates, the value of your investment is EUR 10,150, of which the entry fee (so-called agio) accounts for EUR 150. Below please find a few different examples of additional return payment on following observation dates:

a) If the closing value of the index on November 4, 2027 is 35% greater than its initial value,the additional return of 4.70% (EUR 470) will be paid to you on additional return payment date November 11, 2027.

b) If the closing value of the index on November 6,, 2028 is same as initial value,the additional return of 4.70% (EUR 470) will be paid to you on additional return payment date November 13, 2028.

c) If the closing value of the index on November 5,, 2029 is 35% lower than its initial value, there will be no payment of the additional return while you will receive on maturity date November 12, 2029 the protected principal oof EUR 10,000.

No. The principal is only protected at maturity. If you sell all or part of your registered certificates before the maturity date, you will be exposed to the risk of losing part of the principal invested.

This certificate may be registered with your Relationship Manager during the fundraising period.

Of course. The value of your certificate may be checked by entering the certificate’s ISIN (as specified in KID) at UniCredit onemarkets Croatia Homepage.

Zagrebačka banka will process the personal data entered in the form below for the purpose of arranging a meeting in one of its branches and will keep them for 30 days. We suggest that you enter your OIB, so the banker could prepare the best financial offers based on the available data.
Read more in the Information on Personal Data Processing.

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