Dynamic deposit

Select a deposit with the higher profit opportunities

  • Higher profit opportunities - in good market conditions, income may be higher than in term deposit.
  • Guaranteed amount - irrespective of market fluctuations, the deposit principal will be paid out at 100% extent upon maturity.
  • Attractive offer - specially selected investments in global financial markets.

Current offer

Dynamic deposit – "US Internet Industry Leaders 2"

Deposit selling period - 22.11.2016. - 09.01.2017.
Deposit period - 1 year

Dynamic deposit "US Internet Industry Leaders 2" is linked to equities of three big US e-commerce companies: Amazon.com, Priceline Group and Facebook Inc. These are some of the leading companies in their fields with very competitive products and services that they offer their clients – the companies set the trends that the followers tend to follow. As such, these businesses can earn attractive profits from the business that they are doing.

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Investors are offered:

  • Deposit in EUR, conditional interest 0,40 - 0,60%.
  • Deposit in EUR with 1% risk premium, conditional interest 2,50 - 4,50%.

Dynamic deposit without risk premium offers conditional interest if at deposit maturity prices of all three stocks increase by at least 5% or more from their initial level. If at least one stock appreciates less than 5% or depreciates – conditional interest is not paid. In all cases 100% of deposit amount is paid out to the clients at deposit maturity.

Dynamic deposit with 1% risk premium offers significantly higher conditional interest. Condition for getting interest at maturity is the same as for deposit without risk premium. Risk premium is additional fee which allows increasing conditional return. Risk premium is not repaid at maturity.

Find out more about deposit

* Before concluding Dynamic deposit with risk premium it is necessary to fill in the questionnaire of Complex Financial Instruments, indicating details of the knowledge and experience of the Dynamic deposit with risk premium or similar financial instruments. The questionnaire can be filled in internetbank or in any Swedbank branch.

Current offers
Deposit name Sales Period Underlying performance from deposit launch date. Value as of: 16.11.2016
US Internet Industry Leaders 2 22.11.2016. - 09.01.2017.

Conditional interest:

Valid offers
Deposit name Deposit period Underlying performance from deposit launch date. Value as of: 16.11.2016
American Equities Trio 3 22.11.2016. - 23.11.2017. Comcast +1,42%
Cisco -0,86%
Alphabet +1,17%

Underlying asset: Comcast Corporation (69.16), Cisco Systems (30.09), Alphabet (780.32)

Conditional interest:

European companies 4 EUR / USD 11.10.2016 - 12.10.2017 Vinci -6,10%
Sanofi +12,53%
BMW +5,72%

Conditional interest:

American Equities Trio 2 30.08.2016 - 31.08.2017 AT&T Inc -3,61%
Pfizer Inc -7,96%
General Electric -0,48%

Underlying asset: AT&T Inc (40.96), Pfizer Inc (34.68), General Electric Co (31.20).

Conditional interest:

Leading Sportswear Companies 05.07.2016 - 06.07.2017 Nike -9,46%
Adidas +10,15%
Sketchers -28,50%

Underlying asset: Nike Inc. (55.92), Adidas AG (126.55), Skechers U.S.A. Inc (30.04)

Conditional interest:

US internet industry leaders EUR / USD 17.05.2016 - 18.05.2017 Netflix Inc. +31,22%
Amazon.com +9,16%
Facebook Inc +3,48%

Conditional interest:

European companies 3 05.04.2016 - 03.04.2019 Daimler +6,75%
Vinci -5,37%
Airbus Group +6,50%
Roche Holding +6,83%

Underlying asset: Daimler AG (59.52), Vinci SA (64.85), Airbus Group SE (56.74), Roche Holding AG (243.00)

Conditional interest:

Swedish Companies 2 23.02.2016 - 28.02.2019 H&M -3,07%
Svenska Cellulosa +3,97%
SEB +10,15%

Underlying asset: Hennes & Mauritz AB (H&M) (276.90), Svenska Cellulosa AB (256.70) un Skandinaviska Enskilda Banken AB (SEB) (83.25)

Conditional interest:

IT industry leaders 12.01.2016 - 12.01.2017 Adobe +16,87%
SAP +9,12%
Microsoft +15,03%

Underlying asset: Microsoft Corp (89.80), Adobe Systems Inc. (73.03), SAP SE (53.11)

Conditional interest:

Leading food companies 24.11.2015 - 28.11.2018 Nestle -10,13%
Danone -8,20%
Pepsi +1,79%

Underlying asset: Nestle SA (76.00), Danone SA (65.23), PepsiCo Inc (100.74)

Conditional interest:

Pharmacy stocks 4 13.10.2015 - 17.10.2018 Merck & Co Inc +22,61%
Medtronic Inc -0,01%
Novartis AG -20,85%

Underlying asset: Merck & Co Inc (50.72), Medtronic Inc (73.43), Novartis AG (88.50).

Conditional interest:

Electricity producers 01.07.2014 - 02.07.2018 -7,08%

Underlying asset: ABB Ltd (20.51), Siemens AG (97.67), Eaton Corp PLC (78.29), Emerson Electric Co (67.37), Schneider Electric SA (69.43), Hitachi Ltd (751.00), Mitsubishi Electric Corp (1291.00), Delta Electronics Inc (208.50).

Annual Conditional interest:

Largest global car makers 13.05.2014 - 14.05.2018 -4,58%

Underlying asset: Daimler AG (66.00), Volkswagen AG (187.70), Bayerische Motoren (88.11), Ford Motor Co (15.69), General Motors Co (34.36), Toyota Motor Corp (5635.00), Honda Motor Co Ltd (3389.00), Renault SA (66.14).

* Given the dividend payout from Ford Motor Company, the strike level for Ford Motor Company is being decreased from USD 15.69 to USD 15.3661.

Participation ratio:

Agribusiness companies 18.03.2014 - 18.09.2017 -7,45%

Underlying asset: Monsanto Co (114.00), Archer-Daniels-Midland Co (42.70), Agrium Inc (93.78), Deere & Co (87.57), liotash Corli of Saskatchewan Inc (34.53), Mosaic Co (49.04), Syngenta AG (322.80), Yara International ASA (250.60).

Participation ratio:

Swiss equities trio 28.01.2014 - 29.01.2018 Nestle +4,47%
Novartis -2,63%
Swatch Group -43,92%

Underlying asset: Nestle (67.27), Novartis (73.70), Swatch Group (538.05)

Annual Conditional interest:

European exporters 17.12.2013 - 17.12.2018 +5,19%

Underlying asset: Siemens (97.40), SAP (61.02), Bayer (99.40), Volkswagen (198.00), Sanofi (75.21), European Aeronautic Defence and Space Co (55.84), LVMH Moet Hennessy Louis Vuitton (130.05), Unilever (28.31), Nestle (63.95), Repsol (18.49).

Participation ratio:

Scandinavian companies 2 12.11.2013 - 14.05.2018 +19,90%

Underlying asset: ABB Ltd. (23.08 CHF), Assa Abloy AB-B (329.80 SEK), AstraZeneca PLC (351.90 SEK), Electroclux AB-B (156.0 SEK), Ericsson LM-B (81.65 SEK), Svenska Handelsbanken AB (96.93 SEK), Hennes & Mauritz AB (269.20 SEK), Nordea Bank AB (81.20 SEK), Skanska AB (122.20 SEK), SKF AB (175.80 SEK), Svenska Cellulosa AB (188.90 SEK).

Participation ratio:

Pharmacy stocks 2 15.10.2013 - 15.10.2018 +13,77%

Underlying asset: Pfizer Inc. (29.80), Merck & Co. Inc. (47.17), Johnson & Johnson (91.11), Eli Lilly & Co (48.91), Thermo Fisher Scientific Inc. (93.51), Teva Pharmaceutical Industries Ltd (39.87), Sanofi (72.70), Bayer AG (89.26), Roche Holding AG (244.30), Novartis AG (67.60).

Participation ratio:

US gas industrials 10.09.2013 - 11.09.2017 +0,18%

Underlying asset: Schlumburger: 86.58, Halliburton: 49.20, Agrium: 88.40

Participation ratio:

Emerging market currencies 2 23.07.2013 - 23.01.2017 +32,22%

Underlying asset: EUR/BRL: 2.9701, EUR/RUB: 43.0195, EUR/TRY: 2.5424, EUR/MXN: 16.7041, EUR/IDR: 13597.00

Participation ratio:

German companies' stocks 18.06.2013 - 19.06.2017 Basf SE +10,93%
SAP AG +40,56%
Siemens AG +39,62%

Underlying asset: Basf SE – 70.93, SAP AG – 56.63, Siemens AG – 78.42.

* Initial fixing date: 20.06.2013

Annual Conditional interest:

American equities trio 09.04.2013 - 10.04.2017 Kellogg Co +14,53%
McDonalds +18,33%
Johnson & Johnson +36,64%

Underlying asset: 3 stocks: Kellogg Co - 64.28, Johnson & Johnson - 82.32, McDonalds - 101.99

* Initial fixing date: 11.04.2013

Conditional Coupon:

Scandinavian companies 05.03.2013 - 06.03.2017 Fortum -6,42%
ABB -4,38%
Ericsson -42,84%

Underlying asset:: 3 stocks: Fortum Oyj - 14.80; ABB Limited - 21.69; Ericsson LM-B - 82.35.

* Initial fixing date: 07.03.2013

Conditional Coupon:

Europe's leading companies 19.12.2012 - 19.12.2016 Unilever +26,72%
Roche Holding +21,28%
Basf +10,86%

Underlying asset: 3 stocks: Unilever - 29,14, Roche Holding - 186,60, BASF - 71,17

* Initial fixing date: 21.12.2012

Conditional Coupon:

Special conditions and terms of offer Period Initial fixing price of underlying asset Final fixing price of underlying asset Profit of deposit Report
Pharmacy Stocks
134. Pharmacy Stocks EUR 14.05.2013 - 14.11.2016 Roche Holding AG - 246
Pfizer - 29.25
Merck & Co - 46.37
Roche Holding AG - 236.20
Pfizer - 32.12
Merck & Co - 64.18
0% Report
133. Pharmacy Stocks LVL 14.05.2013 - 14.11.2016 0% Report
US technology companies
S16. US technology companies 01.09.2015 - 02.09.2016 Apple Inc - 110.37
Netflix Inc - 101.06
Amazon.com Inc - 504.72
Apple Inc - 106
Netflix Inc - 97.45
Amazon.com Inc - 767.58
0% Report
European companies 2
S15. European companies 2 21.07.2015 - 21.07.2016 Safran SA - 62.84
Vinci SA - 56.33
Fresenius SE & Co KGaA - 62.406
Safran SA - 62.20
Vinci SA - 65.90
Fresenius SE & Co KGaA - 66.75
0% Report
Swiss companies
S14. Swiss companies 09.06.2015 - 09.06.2016 Novartis AG - 95.70
Roche Holding AG - 275.00
UBS Group AG - 20.43
Novartis AG - 79.65
Roche Holding AG - 259.70
UBS Group AG - 14.70
0% Report
European exporters 2
S13. European exporters 2 17.03.2015 - 17.03.2016 Airbus Group NV - 62.00
Daimler AG - 86.33
Novo Nordisk A/S - 378.70
Airbus Group NV - 58.46
Daimler AG - 62.77
Novo Nordisk A/S - 362,90
0% Report
Online retailing
S12. Online retailing 17.03.2015 - 17.03.2016 Amazon.com Inc - 373.24
Priceline group Inc - 1176.32
Netflix Inc - 60.74
Amazon.com Inc - 573.37
Priceline group Inc - 1325.73
Netflix Inc - 98.13
0.60% Report
US Banks
S11. US Banks 03.02.2015 - 03.02.2016 Bank of America Corp - 15.97
JPMorgan Chase & Co - 56.77
Wells Fargo & Co - 53.67
Bank of America Corp - 14.41
JPMorgan Chase & Co - 59.50
Wells Fargo & Co - 50.23
0.07% (guaranteed interest) Report
American equities quartet
128. American equities quartet EUR 29.01.2013 - 29.01.2016 Kellogg's - 58,50
McDonalds - 95,29
Johnson & Johnson - 73.92
Tiffany & Co. - 65,75
Kellogg's - 71,20
McDonalds - 120,43
Johnson & Johnson - 101,18
Tiffany & Co. - 62,48
0% Report
127. American equities quartet LVL 29.01.2013 - 29.01.2016 0% Report
Pharmacy stocks 3
S10. Pharmacy stocks 3 16.12.2014 - 21.12.2015 Pfizer Inc - 31.97
Novartis AG - 92.10
Bayer AG - 115.00
Pfizer Inc - 32.58
Novartis AG - 84,50
Bayer AG - 114.00
0,09% (Guaranteed interest) Report
Emerging market currencies
124. Emerging market currencies EUR 21.11.2012 - 23.11.2015 EUR/TRY - 2,3201
EUR/RUB - 40,1695
EUR/MXN - 16,7933
EUR/IDR - 12449
EUR/TRY - 3,055
EUR/RUB - 69,0562
EUR/MXN - 17,8707
EUR/IDR - 14680
0% Report
123. Emerging market currencies LVL 21.11.2012 - 23.11.2015 0% Report
Apple, Facebook, Google
S09. Apple, Facebook, Google 11.11.2014-10.11.2015 Apple - 112,82
Facebook - 74,25
Google - 545,38
Apple - 120,92
Facebook - 108,76
Google - 731,25
0,72% Report
Japanese car makers
S08. Japanese car makers 30.09.2014 - 30.09.2015 Toyota - 6275
Honda - 3588
Nissan - 1024,5
Toyota - 7195
Honda - 3705
Nissan - 1120,5
0,84% Report
Germany, France, Belgium
122. Germany, France, Belgium EUR 18.09.2012 - 18.09.2015 Allianz - 94.09
Deutsche Bank - 32.545
Basf - 67.44
Daimler - 39.225
Siemens - 79.49
Air Liquide - 99.52
Danone - 49.65
Total - 40.81
Vinci - 35.53
Anheuser-Busch Inbev - 67.04
Allianz - 142.30
Deutsche Bank - 25.995
Basf - 70.7
Daimler - 75.41
Siemens - 85.46
Air Liquide - 106.45
Danone - 55.17
Total - 41.56
Vinci - 58.64
Anheuser-Busch Inbev - 101.30
10,50% Report
121. Germany, France, Belgium LVL 18.09.2012 - 18.09.2015 12% Report
Aircrafts Producers
S07. Aircrafts Producers EUR 19.08.2014 - 19.08.2015 Boeing - 127,5
Airbus - 44,685
Lockheed - 175,1
Boeing - 145,09
Airbus - 62,4
Lockheed - 211,96
1,08% Report
European companies
120. European companies EUR 10.07.2012 - 10.07.2015 Hennes & Mauritz - 244
Fortum - 14.35
Statoil - 140.1
Telenor - 98.85
Carlsberg - 465
AP Moeller-Maersk - 11610
Siemens - 66.64
Basf - 54.66
Royal Dutch Shell - 27.87
ABB - 15.61
SAP - 47.5
Volkswagen - 133.7
Hennes & Mauritz - 316.90
Fortum - 15.68
Statoil - 134.50
Telenor - 170.20
Carlsberg - 591.50
AP Moeller-Maersk - 11610
Siemens - 87.08
Basf - 76.06
Royal Dutch Shell - 24.835
ABB - 19.01
SAP - 61.29
Volkswagen - 202.95
5,67% Report
119. European companies LVL 10.07.2012 - 10.07.2015 6,33% Report
US, Europe, China
110. US, Europe, China EUR 20.12.2011 - 19.06.2015 SPDR S&P 500 ETF Trust - 125.30
iShares EURO STOXX 50 - 22.90
iShares FTSE China 25 Index Fund - 35.33
SPDR S&P 500 ETF Trust - 210.25
iShares EURO STOXX 50 - 35.51
iShares FTSE China 25 Index Fund - 46.99
17,4% Report
109. US, Europe, China LVL 20.12.2011 - 19.06.2015 20,29% Report
Swedish companies
118. Swedish companies EUR 29.05.2012 - 29.05.2015 Svenska Handelsbanken - 203.0
Hennes & Mauritz - 215.8
Volkswagen AG - 112.821
SKF - 143.3
TeliaSonera - 44.28
Svenska Handelsbanken - 127.5
Hennes & Mauritz - 340.3
Volkswagen AG - 225.4
SKF - 206.6
TeliaSonera - 50.5
17% Report
117. Swedish companies LVL 29.05.2012 - 29.05.2015 17% Report
Commodities
116. Commodities EUR 24.04.2012 - 24.04.2015 BNP Paribas Oscillator DR Commodities EUR Index - 408.8872 BNP Paribas Oscillator DR Commodities EUR Index - 371,7258*
* Arithmetic average of 5 fixings
0%
115. Commodities LVL 24.04.2012 - 24.04.2015 0%
Global agriculture
108. Global agriculture EUR 15.11.2011 - 18.11.2014 BNP Paribas Global Agribusiness Excess Return Index 15 (EUR) - 284.7111 BNP Paribas Global Agribusiness Excess Return Index 15 (EUR) - 284.5238*
* Arithmetic average of 5 fixings
0%
107. Global agriculture LVL 15.11.2011 - 18.11.2014 0%
Africa
106. Africa EUR 11.10.2011 - 13.10.2014 S&P Access Africa EUR Index - 1263.67 S&P Access Africa EUR Index - 1098.50*
* Arithmetic average of 5 fixings
0%
105. Africa LVL 11.10.2011 - 13.10.2014 0%
Polish Zloty vs Swiss Franc
104. Zloty vs Swiss Franc 90 EUR 07.09.2011 - 09.09.2014 Exchange rate Swiss Franc (CHF) against Polish Zloty (PLN) - 3.490542 Exchange rate Swiss Franc (CHF) against Polish Zloty (PLN) - 3.4721 0%
103. Zloty vs Swiss Franc 95 EUR 07.09.2011 - 09.09.2014 0%
102. Zloty vs Swiss Franc 90 LVL 07.09.2011 - 09.09.2014 0%
101. Zloty vs Swiss Franc 95 LVL 07.09.2011 - 09.09.2014 0%
Emerging markets
112. Emerging markets EUR 07.02.2012 - 07.08.2014 iShares MSCI Emerging Markets Index Fund - 43.89 iShares MSCI Emerging Markets Index Fund - 41,61*
* Arithmetic average of 7 fixings
0%
111. Emerging markets LVL 07.02.2012 - 07.08.2014 0%
Major Russian enterprises
100. Major Russian enterprises 130 02.08.2011 - 04.08.2014 Market Vector Russia ETF - 35,43 Market Vector Russia ETF - 24,46 0%
99. Major Russian enterprises 110 02.08.2011 - 04.08.2014 0%
98. Major Russian enterprises 130 02.08.2011 - 04.08.2014 0%
97. Major Russian enterprises 110 02.08.2011 - 04.08.2014 0%
USA, Europe, Japan
78. USA, Europe, Japan with risk premium EUR 01.03.2011 - 02.06.2014 SPDR S&P 500 ETF Trust - 133.47
iShares Euro stoxx50 - 29.82
iShares MSCI Japan Index Fund - 11.52
SPDR S&P 500 ETF Trust - 177,78*
iShares Euro stoxx50 - 30,52*
iShares MSCI Japan Index Fund - 11.51*
* Arithmetic average of 5 fixings
7,02%2
77. USA, Europe, Japan EUR 01.03.2011 - 02.06.2014 7,91%
76. USA, Europe, Japan with risk premium LVL 01.03.2011 - 02.06.2014 8,78%2
75. USA, Europe, Japan LVL 01.03.2011 - 02.06.2014 9,69%
US Consumer goods companies
92. US Consumer goods companies with risk premium EUR 24.05.2011 - 26.05.2014 HJ Heinz - 53.82
Kraft Foods - 34.62
Kellogg - 56.78
Johnson & Johnson - 65.51
EliLilly - 37.92
AT&T - 31.11
Coca Cola - 66.7
McDonalds - 82.43
Procter & Gamble - 66.19
Verizon - 36.61
HJ Heinz - 72.52
Kraft Foods - 56.87
Kellogg - 67.79,
Johnson & Johnson - 101.14
EliLilly - 59.07
AT&T - 35.27,
Coca Cola - 40.87
McDonalds - 102.56
Procter & Gamble - 80.49
Verizon - 49.17
71.02%2
91. US Consumer goods companies EUR 24.05.2011 - 26.05.2014 36.20%
90. US Consumer goods companies with risk premium LVL 24.05.2011 - 26.05.2014 77.91%2
89. US Consumer goods companies LVL 24.05.2011 - 26.05.2014 43.09%
Emerging Asia
88. Emerging Asia with risk premium EUR 27.04.2011 - 25.04.2014 iShares MSCI Malaysia Index Fund - 15.01
iShares FTSE/Xinhua China 25 Index Fund - 45.21
iShares MSCI Singapore Index Fund - 14.45
iShares MSCI Taiwan Index Fund - 16.00
iShares MSCI South Korea Index Fund - 68.97
iShares MSCI Malaysia Index Fund - 15.67
iShares FTSE/Xinhua China 25 Index Fund - 36.05
iShares MSCI Singapore Index Fund - 13.47
iShares MSCI Taiwan Index Fund - 14.184
iShares MSCI South Korea Index Fund - 60.282
* Arithmetic average of 5 fixings
0%
87. Emerging Asia EUR 27.04.2011 - 25.04.2014 0%
86. Emerging Asia with risk premium LVL 27.04.2011 - 25.04.2014 0%
85. Emerging Asia LVL 27.04.2011 - 25.04.2014 0%
US brand companies
114. US brand companies EUR 20.03.2012 - 20.03.2014 Intel - 27,89
Philip Morris International - 86,84
McDonalds - 95,8
Procter & Gamble - 67,52
Kraft Foods - 38,21
Pfizer - 21,73
Merck - 37,6
Intel - 24,70
Philip Morris International - 80,28
McDonalds - 97,6
Procter & Gamble - 79,84
Kraft Foods - 52,89
Pfizer - 31,42
Merck - 56,26
Final basket performance: 19,11%
8%
113. US brand companies LVL 20.03.2012 - 20.03.2014 9,20%
Largest global economies
96. Largest global economies 115 EUR 28.06.2011 - 13.01.2014 iShares EURO STOXX 50 ETF - 29,345
SPDR S&P 500 ETF Trust - 131,97
iShares FTSE China 25 Index Fund - 42,95
iShares EURO STOXX 50 ETF - 31,325
SPDR S&P 500 ETF Trust - 183,52
iShares FTSE China 25 Index Fund - 36,45
0%
95. Largest global economies 105 EUR 28.06.2011 - 13.01.2014 11,50%
94. Largest global economies 115 LVL 28.06.2011 - 13.01.2014 0%
93. Largest global economies 105 LVL 28.06.2011 - 13.01.2014 13%
Global Infrastructure
70. Global Infrastructure with risk premium EUR 21.12.2010 - 20.12.2013 BNP Paribas Global Infrastructure Excess Return 15 (EUR) Index - 275,61 BNP Paribas Global Infrastructure Excess Return 15 (EUR) Index - 272,696
* Arithmetic average of 7 fixings
0%
69. Global Infrastructure EUR 21.12.2010 - 20.12.2013 0%
68. Global Infrastructure with risk premium LVL 21.12.2010 - 20.12.2013 0%
67. Global Infrastructure LVL 21.12.2010 - 20.12.2013 0%
Developed countries
58. Developed countries with risk premium EUR 21.09.2010 - 23.09.2013 Eurostoxx 50 - 2738,61
SPDR S&P 500 - 112,50
MSCI Japan - 9,74
Eurostoxx 50 - 2679,17*
SPDR S&P 500 - 115,93*
MSCI Japan - 10,91*
* Arithmetic average of 13 fixings
7,4%2
57. Developed countries EUR 21.09.2010 - 23.09.2013 7,57%
56. Developed countries with risk premium LVL 21.09.2010 - 23.09.2013 12,7%2
55. Developed countries LVL 21.09.2010 - 23.09.2013 12,87%
8 Emerging countries
74. 8 Emerging countries with risk premium EUR 01.02.2011 - 01.08.2013 224,6487 259,2223 15,70%
73. 8 Emerging countries EUR 01.02.2011 - 01.08.2013 224,6487 259,2223 5,39%
72. 8 Emerging countries with risk premium LVL 01.02.2011 - 01.08.2013 224,6487 259,2223 18,62%
71. 8 Emerging countries LVL 01.02.2011 - 01.08.2013 224,6487 259,2223 8,31%
Russia 1
66. Russia 1 (130) EUR 23.11.2010 - 23.05.2013 34,39 26,92 0%
65. Russia 1 (110) EUR 23.11.2010 - 23.05.2013 34,39 26,92 0%
64. Russia 1 (130) LVL 23.11.2010 - 23.05.2013 34,39 26,92 0%
63. Russia 1 (110) LVL 23.11.2010 - 23.05.2013 34,39 26,92 0%
Two Borders
62. Two Borders (130) EUR 21.09.2010 – 23.09.2013 45,98 41,70 0%
61. Two Borders (110) EUR 21.09.2010 – 23.09.2013 45,98 41,70 0%
60. Two Borders (130) LVL 21.09.2010 – 23.09.2013 45,98 41,70 0%
59. Two Borders (110) LVL 21.09.2010 – 23.09.2013 45,98 41,70 0%
Gold 1
54. Gold 1 with risk premium EUR 17.08.2010 - 18.02.2013 365,4473 381,6874 5,78%1
53. Gold 1 EUR 17.08.2010 - 18.02.2013 365,4473 381,6874 2,09%
52. Gold 1 with risk premium LVL 17.08.2010 - 18.02.2013 365,4473 381,6874 7,51%1
51. Gold 1 LVL 17.08.2010 - 18.02.2013 365,4473 381,6874 3,82%
Western Europe
84. Western Europe 110 EUR 29.03.2011 - 28.09.2012 29,25 25,91 0%
83. Western Europe 105 EUR 29.03.2011 - 28.09.2012 29,25 25,91 0%
82. Western Europe 100 EUR 29.03.2011 - 28.09.2012 29,25 25,91 0%
81. Western Europe 110 LVL 29.03.2011 - 28.09.2012 29,25 25,91 0%
80. Western Europe 105 LVL 29.03.2011 - 28.09.2012 29,25 25,91 0%
79. Western Europe 100 LVL 29.03.2011 - 28.09.2012 29,25 25,91 0%
Renewable energy
50. Renewable energy with risk premium EUR 16.06.2009.- 18.06.2012. 202,31 133,2793 0%
49. Renewable energy EUR 16.06.2009.- 18.06.2012. 202,31 133,2793 0%
48. Renewable energy LVL 16.06.2009.- 18.06.2012. 202,31 133,2793 15,6% (including guaranteed profit)
Infrastructure
47. Infrastructure with risk premium EUR 29.04.2009-31.10.2011 137,58 148,54 7,57%2
46. Infrastructure EUR 29.04.2009-31.10.2011 137,58 148,54 3,19%
45. Infrastructure LVL 29.04.2009-31.10.2011 137,58 148,54 12.98% (including 9% guaranteed)
Balanced strategy
44. Balanced strategy with risk premium EUR 19.12.2008-22.06.2010 371,7156 380,4862 4.5%2
43. Balanced strategy EUR 19.12.2008-22.06.2010 371,7156 380,4862 1.7%
42. Balanced strategy LVL 19.12.2008-22.06.2010 371,7156 380,4862 4.2%
Guaranteed profit
41. Guaranteed profit EUR 28.11.2008 - 28.11.2011 85,9635 88,69 8,17% (including 5% guaranteed)
40. Guaranteed profit LVL 28.11.2008 - 28.11.2011 85,9635 88,69 13,17% (including 10% guaranteed)
Global indices
39. Global indices with risk premium EUR This offer was not approved on 19/10/2008 due to occurrence of events referred to in Clause 6.3.3 of the General Terms of the Dynamic Deposit Agreement.
38. Global indices EUR
37. Global indices LVL
USA
36. USA with risk premium EUR 19.09.2008-17.09.2010 1188.22 1125.07 0%
35. EUR 19.09.2008-17.09.2010 1188.22 1125.07 0%
34. USA LVL 19.09.2008-17.09.2010 1188.22 1125.07 0%
Global innovations
33. Global innovations with risk premium EUR 29.08.2008-30.08.2010 69,76 48,2 0%
32. Global innovations EUR 29.08.2008-30.08.2010 69,76 48,2 0%
31. Global innovations LVL 29.08.2008-30.08.2010 69,76 48,2 0%
Global Agriculture
30. Global Agriculture with risk premium EUR 29.07.2008-29.01.2010 278.59 301.71 12%2
29. Global Agriculture EUR 29.07.2008-29.01.2010 278.59 301.71 4.6%
28. Global Agriculture LVL 29.07.2008-29.01.2010 278.59 301.71 7.9%
European banks
27. European banks with risk premium EUR 15.07.2008-13.01.2010 260.12 233.26 0%
26. European banks EUR 15.07.2008-13.01.2010 260.12 233.26 0%
25. European banks LVL 15.07.2008-13.01.2010 260.12 233.26 0%
Russia
24. Russia with risk premium EUR 10.06.2008-09.12.2009 1612,61 1135.56 0%
23. Russia EUR 10.06.2008-09.12.2009 1612,61 1135.56 0%
22. Russia LVL 10.06.2008-09.12.2009 1612,61 1135.56 0%
US against Western Europe
21. US against Western Europe with risk premium EUR 07.05.2008-29.10.2009 USD index-12866.8
Europe index-3855.86
5.07%
20. US against Western Europe EUR 07.05.2008-29.10.2009 USD index-12866.8
Europe index-3855.86
2.30%
19. US against Western Europe LVL 07.05.2008-29.10.2009 USD index-12866.8
Europe index-3855.86
3.14%
Sweden
18. Sweden with risk premium EUR 08.04.2008-08.10.2009 978.50 893.18 0%
17. Sweden EUR 08.04.2008-08.10.2009 978.50 893.18 0%
16. Sweden LVL 08.04.2008-08.10.2009 978.50 893.18 0%
Green technology
15 Green technology with risk premium EUR RP10 11.03.2008-11.09.2009 173.41 135.8 0%
14. Green technology EUR 11.03.2008-11.09.2009 173.41 135.8 0%
13. Green technology LVL 11.03.2008-11.09.2009 173.41 135.8 0%
Asian infrastructure
12. Asian infrastructure EUR 27.12.2007-29.06.2009 13.54 7.70 0%
11. Asian infrastructure LVL 27.12.2007-29.06.2009 13.54 7.70 0%
Next Eleven emerging countries
10. Next Eleven emerging countries EUR 25.09.2007-25.03.2009 102.14 46.38 0%
09. Next Eleven emerging countries LVL 25.09.2007-25.03.2009 102.14 46.38 0%
Eastern Europe
08. Eastern Europe EUR 10.07.2007-09.01.2009 30.798 5.5218 0%
07. Eastern Europe LVL 10.07.2007-09.01.2009 30.798 5.5218 0%
Baltics
06. Baltics EUR 01.05.2007-31.10.2008 100 44,07 0%
05. Baltics LVL 01.05.2007-31.10.2008 100 44,07 0%
Asia
04. Asia EUR 08.01.2007-27.06.2008 100 105.24 1.83%
03. Asia LVL 08.01.2007-27.06.2008 100 105.24 2.41%
Eastern Europe
02. Eastern Europe EUR 01.07.2006-02.07.2007 17.90 30.04 20.30%
01. Eastern Europe LVL 01.07.2006-02.07.2007 17.90 30.04 20.30%

1Risk premium not included.

2After deduction of 10% risk premium.

3According to deposit special conditions.

From 1 January 2010, the amended Law on Personal Income Tax imposes a tax on income earned by individuals from capital.

With our customers' convenience in mind, Swedbank will withhold the personal income tax on interest income already starting from this 1 January.

Our depositors won't need to pay the tax themselves or file any tax returns with the State Revenue Service (except when declaring liability for taxation is required under the Law on Personal Income Tax).

Imposition of tax explained

Under the amended Law on Personal Income Tax, a number of our banking services is subject to tax on income from capital, therefore we would like to offer you an explanation of how the tax is levied and collected.

  • Term Deposit (incl. holiday deposits and short-term deposits)

    • The tax rate is 10 % of interest income earned.
    • The law requires that the tax be withheld on the day of earning the income i.e. when the interest is paid out by the bank, starting with 1 Jan 2010 irrespective of the date of the contract.
    • Swedbank will withhold the tax automatically upon payout of interest upon deposit maturity and will transfer it to the government budget.
  • Term deposit with interest paid monthly

    • The tax rate is 10 % of interest income earned.
    • The law requires that the tax be withheld on the day of earning the income i.e. when the interest is paid out by the bank, starting with 1 Jan 2010 irrespective of the date of the contract.
    • Swedbank will withhold the tax automatically upon payout of interest upon deposit maturity and will transfer it to the government budget.
  • Dynamic Deposit

    • The tax rate is 10 % of interest income earned.
    • The law requires that the tax be withheld on the day of earning the income i.e. when the interest is paid out by the bank, starting with 1 Jan 2010.
    • Swedbank will withhold the tax automatically upon payout of interest - i.e. upon deposit maturity or at any other time when interest is paid - and will transfer it to the government budget.
  • Savings Account

    • The tax rate is 10 % of interest income earned.
    • The law requires that the tax be withheld on the day of earning the income i.e. when the interest is paid out by the bank, starting with 1 Jan 2010.
    • Swedbank will withhold the tax automatically upon payout of interest - i.e. once a quarter or at any other time when funds are paid out - and will transfer it to the government budget.
  • Maturity Savings Account

    • The tax rate is 10 % of interest income earned.
    • The law requires that the tax be withheld on the day of earning the income i.e. when the interest is paid out by the bank, starting with 1 Jan 2010.
    • Swedbank will withhold the tax automatically upon payout of interest - i.e. upon maturity - and will transfer it to the government budget.
  • Coming of Age Savings Account

    • The tax rate is 10 % of interest income earned.
    • The law requires that the tax be withheld on the day of earning the income i.e. when the interest is paid out by the bank, starting with 1 Jan 2010.
    • Swedbank will withhold the tax automatically upon payout of interest - i.e. once a year - and will transfer it to the government budget.
  • Dividends

    • The tax rate is 10%.
    • The law requires that the tax be withheld from dividends for publicly traded stock on the day of earning the income i.e. when the dividend is paid out, starting with 1 Jan 2010.
    • Tax on such dividends will be withheld automatically by Swedbank upon transfer of dividends to its customers.
    • Responsibility for withholding tax from other dividends which are paid out by a Latvian company, will lie with that company, while payment of the tax on dividends which are paid out by a foreign company will be the responsibility of the recipient of the dividends.
  • Life Insurance with Savings (Endowment Policies)

    • The tax rate is 10% of the income.
    • Income from life insurance policies with savings arises when the difference between cash surrender value (in case of early termination of insurance contract) or the sum paid upon maturity of the insurance contract and the insurance premiums paid is positive.
    • The tax will automatically be withheld by the insurer on the day of earning the income i.e. when the interest is paid out, and transferred to the government budget, starting with 1 Jan 2010.
  • Private pension funds

    • The tax rate is 10%.
    • Law states that from 1 Jan 2010 income earned from investment of contributions to private pension funds is also taxable.
    • The tax will be withheld automatically by Swedbank Atklātais Pensiju Fonds upon disbursement of the supplementary pension capital.
  • Investment Funds

    • The tax rate is 15%.
    • The law requires that capital gains i.e. income from disposal of such capital assets as investment fund units, be taxed.
    • The capital gain is determined as a difference between the disposal (e.g. selling) price and acquisition value of the capital asset. The capital asset acquisition value also includes the cost of acquiring and holding securities, as well as other expenses related to acquisition of the capital asset as laid down by law.
    • In case of disposal of investment fund units acquired on or before 31 December 2009, the taxable income is determined by deducting the unit acquisition value from the unit disposal value, divided by the number of months when the units were held and multiplying the number of months passed from 1 Jan 2010 to the month of sale (including).
    • Example:
      • In April 2009, a customer acquires fund units for EUR 1,000 (including EUR 15 unit purchase fee).
      • In Feb 2010, the fund units are sold for EUR 1,500.
      • The unit holding costs were EUR 7 during this period.
      • The capital gains tax payable by the customer is as follows:(1 500 - 1000 - 15 - 7) / 10 (the number of months when the units owned by the customer) * 2 (the number of months during which the units were owned by the customer after 01.01.2010) * 15% = 478 / 10* 2*15 % = EUR 14.34.
    • The capital gains will be calculated, tax liability will be declared and the tax will be paid by customers themselves. The tax return concerning capital gains must be filed with the State Revenue Service:
      • on or before 15th date of the following month if the monthly income exceeds EUR 711,44.
      • on or before 15th date of the first month in following quarter if the monthly income is below EUR 711,44.
      • on or before 15th date of the january in following year if the monthly income is below EUR 142,29.
  • Income from disposal of equities and debt securities

    From 1 Jan 2010, the tax is also payable on income earned by an individual from disposal of such capital assets as equity and debt securities. In law, such income is referred to as capital gains and represents a type of income from capital. In light of the fact that equities and debt securities are some of the most common types of securities in customer transactions, we have also included information on taxation of capital gains from those securities:

    • The rate of tax on capital gains is 15%.
    • The capital gain is determined as a difference between the disposal (e.g. selling) price and acquisition value of the capital asset (equity or debt security). The capital asset acquisition value also includes the cost of acquiring and holding the capital asset, as well as other expenses related to acquisition of the capital asset as laid down by law.
    • The day of earning income is the day when the individual (the taxpayer) receives money.
    • Income earned and loss suffered during a taxation year from disposal of capital assets (if several capital assets have been disposed of during the taxation year) may be summed up. If capital gain from disposal of one capital asset is negative, but from disposal of other capital asset - positive, then the incurred loss during the taxation year may be set off against the positive capital gain; if the calculated capital gain (if there has been only one capital asset disposal transaction) or the sum of capital asset disposal income and loss is negative, then it is disregarded for tax calculation purposes.
    • If the capital gain calculated or the sum of it is negative for the taxation year, then the incurred loss may not be set against a capital gain in the following taxation years or against other types of income in the taxation year.
    • If the capital gain calculated or the sum of it is negative for the taxation year, then the incurred loss may not be set against a capital gain in the following taxation years or against other types of income in the taxation year.
      • on or before 15th date of the following month if the monthly income exceeds EUR 711,44.
      • on or before 15th date of the first month in following quarter if the monthly income is greater than 142,29 EUR and below EUR 711,44.
  • Interest income from debt securities

    • Interest earned on debt instruments (e.g. coupon payments) also represents income liable to personal income tax since 1 Jan 2010.
    • The tax rate is 10%.
    • A tax exemption provided for in the law is income from Latvian or other European Union members state's or European Economic Area member state's government or municipal debentures. Individuals are not liable to pay income tax on such income in Latvia.
    • Responsibility for withholding the income tax from income paid lies with the payer of income. However, in cases when interest income is paid in a foreign country, it may be impossible to withhold the tax from such interest income, and then it will be the responsibility of the recipient of income to pay the applicable tax.

* The explanations provided here are for information only, and Swedbank cannot be held liable for any expenses or loss incurred should explanations by the State Revenue Service or other competent authority differ from those provided here.For complete information on taxation of incomes, please seek advice from the State Revenue Service or your tax consultants.

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