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Investment notes

Investment notes

You are likely to earn not only when markets prosper

  • You have a chance to earn also when the value of the financial instrument to which the investment notes are linked is falling
  • You can sell investment notes before the set redemption date (in such cases their price depends on market conditions)
  • You will have to assume the risk of investment loss

Investment notes are non-equity securities you can invest in and earn both when the value of a financial instrument decreases and increases as long as it does not reach the pre-defined limit. It is, however, not guaranteed that you’ll get the nominal value of investment notes back.

When you buy investment notes during the primary offering, a subscription fee may apply, which is 1% of the note nominal value. During the offering the price of investment notes may be discounted.

More information on applied rates is available in the document "Securities services fees and commission charges" (PDF, 150 KB). Alternatively, you can call us on the 24/7 private customer line +370 5 268 2800 or business customer line +370 5 268 2822 or visit any SEB bank unit.


We recommend that before you sign any financial service agreement you read the service terms carefully and consult the staff of the bank if you need to.

Investment notes can be sold in the secondary market before the redemption date, but in that case their price may be higher or lower than their nominal value. This depends on changes in the value of the financial instrument to which the investment notes are linked, interest rate changes, time remaining until the notes redemption date, demand and supply of notes on the market and other factors.

Please note that investment notes are risky investment instruments, which should be chosen by investors who can assume higher investment risk. When you invest in these notes, you face the risk of losing invested funds, i.e. there is no guarantee that on the redemption date you will get the nominal value of investment notes back if the value of the financial instruments to which investment notes are linked changes unfavourably.

This content is for your information only and cannot be understood as personal recommendation, order or invitation to invest and may not constitute any basis or part of any subsequent transaction. Investment return is associated with risk, the value of investments may increase or decrease, thus former positive performance results are not indicative of future results. Before you decide to invest in structured investment instruments you should familiarise yourself with relevant issue prospectuses and related risk factors and independently or with the help of consultants assess whether the risks are acceptable to you.

All risk factors related to investment notes are described in their issue prospectuses and in the publication "Description of risks related to financial instruments" (PDF, 150 KB, in Lithuanian). Alternatively, you can call us on the 24/7 private customer line +370 5 268 2800 or business customer line +370 5 268 2822 or visit a SEB bank unit of your choice.

Please note that the services described here are not intended for investors within the jurisdiction other than that of SEB bank units providing these services and investment opportunities, authorisation to invest and investing in locations of certain jurisdictions, including the United States of America, Canada, Japan and Australia, may be unlawful. SEB bank may not advise on investment issues, promote investments, solicit or offer investments where any such may be unlawful. If you live or read information on this website at a location within the jurisdiction other than the one of the SEB bank unit which provides this information, you are responsible for compliance with the laws and other legal acts which may be applicable to you. If you need more information, please contact your SEB bank account manager or any SEB bank unit.

The profitability of investment notes depends on the change in the value of the financial instruments (shares, commodities, currencies, etc.) to which the notes are linked, so on the redemption date you can receive a premium should the value of the financial instrument change favourably. In some cases only interest can be paid for investment notes.
 

Capital guarantee

If conditions specified in the issue prospectus for investment notes occur (for instance, the reference item value reaches the set limit), your investment is not backed up by capital guarantee. So you face the risk that the redemption price of investment notes may be lower than their nominal value. In this case you can lose part or all of your invested funds.

If no such conditions occur, you will be paid out the nominal value of investment notes on the redemption date and you can also receive a premium for favourable change in the value of the financial instrument. This premium can be paid not only on the redemption date, but also during the maturity term of investment notes.

Guaranteed interest

Guaranteed interest may be paid to you for investment notes. It can be paid in either of the two ways:

  • paid out for the whole investment term on the redemption date
  • paid out periodically at set dates (for instance, once annually)

 

For more information about structured investment instruments, investment risks, terms and prices of securities transactions call our 24/7 line +370 5 268 2800 or visit a SEB bank unit of your choice.


We recommend that before you sign any financial service agreement you read the service terms carefully and consult the staff of the bank if you need to.

Investment notes can be sold in the secondary market before the redemption date, but in that case their price may be higher or lower than their nominal value. This depends on changes in the value of the financial instrument to which the investment notes are linked, interest rate changes, time remaining until the notes redemption date, demand and supply of notes on the market and other factors.

Please note that investment notes are risky investment instruments, which should be chosen by investors who can assume higher investment risk. When you invest in these notes, you face the risk of losing invested funds, i.e. there is no guarantee that on the redemption date you will get the nominal value of investment notes back if the value of the financial instruments to which investment notes are linked changes unfavourably.

This content is for your information only and cannot be understood as personal recommendation, order or invitation to invest and may not constitute any basis or part of any subsequent transaction. Investment return is associated with risk, the value of investments may increase or decrease, thus former positive performance results are not indicative of future results. Before you decide to invest in structured investment instruments you should familiarise yourself with relevant issue prospectuses and related risk factors and independently or with the help of consultants assess whether the risks are acceptable to you.

All risk factors related to investment notes are described in their issue prospectuses and in the publication "Description of risks related to financial instruments" (PDF, 150 KB, in Lithuanian). Alternatively, you can call us on the 24/7 private customer line +370 5 268 2800 or business customer line +370 5 268 2822 or visit a SEB bank unit of your choice.

Please note that the services described here are not intended for investors within the jurisdiction other than that of SEB bank units providing these services and investment opportunities, authorisation to invest and investing in locations of certain jurisdictions, including the United States of America, Canada, Japan and Australia, may be unlawful. SEB bank may not advise on investment issues, promote investments, solicit or offer investments where any such may be unlawful. If you live or read information on this website at a location within the jurisdiction other than the one of the SEB bank unit which provides this information, you are responsible for compliance with the laws and other legal acts which may be applicable to you. If you need more information, please contact your SEB bank account manager or any SEB bank unit.

What does the amount receivable on the redemption date depend on?

For instance, you are investing in an issue of investment notes described below.

If the final value of the financial instrument to which the investment notes are linked falls below the specified limit, the investment notes are not backed up by capital guarantee, i.e. on the redemption date you will be refunded the redemption price of the investment notes based on the actual change in the value of the financial instrument.

If the final value of the financial instrument to which the investment notes are linked rises above or equals the specified limit, you will be refunded the nominal value of investment notes (EUR 100) on the redemption date.

In any case, regardless of the change in the value of the financial instrument, on the redemption date you will be paid guaranteed interest, i.e. 10% of the nominal value of investment notes (EUR 10).

Example

For instance, the defined initial value of the financial instrument is 250 and the pre-defined value limit of the financial instrument is 60% of the initial value (or 150). Based on the hypothetical figures provided above, we calculate as follows:

Final value of financial instrument Change in the value of financial instrument Guaranteed interest Redemption price of investment note
300 20% EUR 10 EUR 100 + EUR 10 = EUR 110
250 0% EUR 10 EUR 100 + EUR 10 = EUR 110
175 -30% EUR 10 EUR 100 + EUR 10 = EUR 110
75 -70% EUR 10 EUR 30 + EUR 10 = EUR 40

Please note that this example aims to explain how the amounts receivable by the investor are calculated and there is no guarantee that the investor who has acquired investment notes will receive the amounts specified here on the redemption date.

 

For more information about structured investment instruments, investment risks, terms and prices of securities transactions call our 24/7 line +370 5 268 2800 or visit a SEB bank unit of your choice.


We recommend that before you sign any financial service agreement you read the service terms carefully and consult the staff of the bank if you need to.

Investment notes can be sold in the secondary market before the redemption date, but in that case their price may be higher or lower than their nominal value. This depends on changes in the value of the financial instrument to which the investment notes are linked, interest rate changes, time remaining until the notes redemption date, demand and supply of notes on the market and other factors.

Please note that investment notes are risky investment instruments, which should be chosen by investors who can assume higher investment risk. When you invest in these notes, you face the risk of losing invested funds, i.e. there is no guarantee that on the redemption date you will get the nominal value of investment notes back if the value of the financial instruments to which investment notes are linked changes unfavourably.

This content is for your information only and cannot be understood as personal recommendation, order or invitation to invest and may not constitute any basis or part of any subsequent transaction. Investment return is associated with risk, the value of investments may increase or decrease, thus former positive performance results are not indicative of future results. Before you decide to invest in structured investment instruments you should familiarise yourself with relevant issue prospectuses and related risk factors and independently or with the help of consultants assess whether the risks are acceptable to you.

All risk factors related to investment notes are described in their issue prospectuses and in the publication "Description of risks related to financial instruments" (PDF, 150 KB, in Lithuanian). Alternatively, you can call us on the 24/7 private customer line +370 5 268 2800 or business customer line +370 5 268 2822 or visit a SEB bank unit of your choice.

Please note that the services described here are not intended for investors within the jurisdiction other than that of SEB bank units providing these services and investment opportunities, authorisation to invest and investing in locations of certain jurisdictions, including the United States of America, Canada, Japan and Australia, may be unlawful. SEB bank may not advise on investment issues, promote investments, solicit or offer investments where any such may be unlawful. If you live or read information on this website at a location within the jurisdiction other than the one of the SEB bank unit which provides this information, you are responsible for compliance with the laws and other legal acts which may be applicable to you. If you need more information, please contact your SEB bank account manager or any SEB bank unit.

Please note that investment notes are risky investment instruments, which should be chosen by investors who can assume higher investment risk.

Premium risk

If the value of the financial instruments to which investment notes are linked changes unfavourably, the premium will not be paid out to the investor. In such a case the investor will be paid the note nominal value on the redemption date if the conditions specified in the notes issue prospectus do not occur (for instance, the value of the financial instrument does not reach the set limit) during their maturity.

Market risk

The price of investment notes, where these are sold to the bank before the redemption date, may be higher or lower than their nominal value, i.e. there is no guarantee that the investor will get the note nominal value back before the redemption date. The price of investment notes in the secondary market depends on changes in the value of the financial instrument to which the notes are linked, interest rate changes, time remaining until the redemption date, demand and supply of investment notes on the market and other factors.

Liquidity risk

Investors may incur losses if they want to sell their investment notes as quickly as possible or are unable to sell them to the bank for a certain time interval. The opportunity to sell investment notes to the bank before the redemption date depends on their liquidity in the secondary market.

Bank credit risk

By investing in investment notes investors assume the issuer’s (bank’s) credit risk, i.e. the risk that the bank which issued these investment notes fails to settle with investors under the set terms and conditions. It should be noted that bank credit risk is not covered by insurance, i.e. the bank’s obligation to redeem the investment notes is not insured by state company Indėlių ir investicijų draudimas.

Risk of investment loss

If conditions specified in the issue prospectus for  investment notes occur (for instance, the value of the financial instrument reaches the set limit), your investment is not backed up by capital guarantee. It means that on maturity investors are paid the actual value of the investment, which can be lower than the nominal value of investment notes. In this case investors may lose part or, should it come to the worst, the whole of their invested amount.

Description of Risks Related to Financial Instruments (PDF, 150 KB, in Lithuanian)

For more information about structured investment instruments, investment risks, terms and prices of securities transactions call our 24/7 line +370 5 268 2800 or visit a SEB bank unit of your choice.


We recommend that before you sign any financial service agreement you read the service terms carefully and consult the staff of the bank if you need to.

Investment notes can be sold in the secondary market before the redemption date, but in that case their price may be higher or lower than their nominal value. This depends on changes in the value of the financial instrument to which the investment notes are linked, interest rate changes, time remaining until the notes redemption date, demand and supply of notes on the market and other factors.

Please note that investment notes are risky investment instruments, which should be chosen by investors who can assume higher investment risk. When you invest in these notes, you face the risk of losing invested funds, i.e. there is no guarantee that on the redemption date you will get the nominal value of investment notes back if the value of the financial instruments to which investment notes are linked changes unfavourably.

This content is for your information only and cannot be understood as personal recommendation, order or invitation to invest and may not constitute any basis or part of any subsequent transaction. Investment return is associated with risk, the value of investments may increase or decrease, thus former positive performance results are not indicative of future results. Before you decide to invest in structured investment instruments you should familiarise yourself with relevant issue prospectuses and related risk factors and independently or with the help of consultants assess whether the risks are acceptable to you.

All risk factors related to investment notes are described in their issue prospectuses and in the publication "Description of risks related to financial instruments" (PDF, 150 KB, in Lithuanian). Alternatively, you can call us on the 24/7 private customer line +370 5 268 2800 or business customer line +370 5 268 2822 or visit a SEB bank unit of your choice.

Please note that the services described here are not intended for investors within the jurisdiction other than that of SEB bank units providing these services and investment opportunities, authorisation to invest and investing in locations of certain jurisdictions, including the United States of America, Canada, Japan and Australia, may be unlawful. SEB bank may not advise on investment issues, promote investments, solicit or offer investments where any such may be unlawful. If you live or read information on this website at a location within the jurisdiction other than the one of the SEB bank unit which provides this information, you are responsible for compliance with the laws and other legal acts which may be applicable to you. If you need more information, please contact your SEB bank account manager or any SEB bank unit.

For more information about structured investment instruments, investment risks, terms and prices of securities transactions call our 24/7 line +370 5 268 2800 or visit a SEB bank unit of your choice.


We recommend that before you sign any financial service agreement you read the service terms carefully and consult the staff of the bank if you need to.

Investment notes can be sold in the secondary market before the redemption date, but in that case their price may be higher or lower than their nominal value. This depends on changes in the value of the financial instrument to which the investment notes are linked, interest rate changes, time remaining until the notes redemption date, demand and supply of notes on the market and other factors.

Please note that investment notes are risky investment instruments, which should be chosen by investors who can assume higher investment risk. When you invest in these notes, you face the risk of losing invested funds, i.e. there is no guarantee that on the redemption date you will get the nominal value of investment notes back if the value of the financial instruments to which investment notes are linked changes unfavourably.

This content is for your information only and cannot be understood as personal recommendation, order or invitation to invest and may not constitute any basis or part of any subsequent transaction. Investment return is associated with risk, the value of investments may increase or decrease, thus former positive performance results are not indicative of future results. Before you decide to invest in structured investment instruments you should familiarise yourself with relevant issue prospectuses and related risk factors and independently or with the help of consultants assess whether the risks are acceptable to you.

All risk factors related to investment notes are described in their issue prospectuses and in the publication "Description of risks related to financial instruments" (PDF, 150 KB, in Lithuanian). Alternatively, you can call us on the 24/7 private customer line +370 5 268 2800 or business customer line +370 5 268 2822 or visit a SEB bank unit of your choice.

Please note that the services described here are not intended for investors within the jurisdiction other than that of SEB bank units providing these services and investment opportunities, authorisation to invest and investing in locations of certain jurisdictions, including the United States of America, Canada, Japan and Australia, may be unlawful. SEB bank may not advise on investment issues, promote investments, solicit or offer investments where any such may be unlawful. If you live or read information on this website at a location within the jurisdiction other than the one of the SEB bank unit which provides this information, you are responsible for compliance with the laws and other legal acts which may be applicable to you. If you need more information, please contact your SEB bank account manager or any SEB bank unit.

Would you like to buy investment notes?

You can buy investment notes in either of the two ways:

When you buy investment notes during the primary offering, a subscription fee may apply, which is 1% of the note nominal value. During the offering the price of investment notes may be discounted.

More information on applied rates is available in the document "Securities services fees and commission charges" (PDF, 150 KB). Alternatively, you can call us on the 24/7 private customer line +370 5 268 2800 or business customer line +370 5 268 2822 or visit any SEB bank unit.

Would you like to sell investment notes?

To sell previously bought investment notes, visit any SEB bank unit. You can sell investment notes in the secondary market before the set redemption date, but in that case their price will depend on market conditions.

For more information about structured investment instruments, investment risks, terms and prices of securities transactions call our 24/7 line +370 5 268 2800 or visit a SEB bank unit of your choice.


We recommend that before you sign any financial service agreement you read the service terms carefully and consult the staff of the bank if you need to.

Investment notes can be sold in the secondary market before the redemption date, but in that case their price may be higher or lower than their nominal value. This depends on changes in the value of the financial instrument to which the investment notes are linked, interest rate changes, time remaining until the notes redemption date, demand and supply of notes on the market and other factors.

Please note that investment notes are risky investment instruments, which should be chosen by investors who can assume higher investment risk. When you invest in these notes, you face the risk of losing invested funds, i.e. there is no guarantee that on the redemption date you will get the nominal value of investment notes back if the value of the financial instruments to which investment notes are linked changes unfavourably.

This content is for your information only and cannot be understood as personal recommendation, order or invitation to invest and may not constitute any basis or part of any subsequent transaction. Investment return is associated with risk, the value of investments may increase or decrease, thus former positive performance results are not indicative of future results. Before you decide to invest in structured investment instruments you should familiarise yourself with relevant issue prospectuses and related risk factors and independently or with the help of consultants assess whether the risks are acceptable to you.

All risk factors related to investment notes are described in their issue prospectuses and in the publication "Description of risks related to financial instruments" (PDF, 150 KB, in Lithuanian). Alternatively, you can call us on the 24/7 private customer line +370 5 268 2800 or business customer line +370 5 268 2822 or visit a SEB bank unit of your choice.

Please note that the services described here are not intended for investors within the jurisdiction other than that of SEB bank units providing these services and investment opportunities, authorisation to invest and investing in locations of certain jurisdictions, including the United States of America, Canada, Japan and Australia, may be unlawful. SEB bank may not advise on investment issues, promote investments, solicit or offer investments where any such may be unlawful. If you live or read information on this website at a location within the jurisdiction other than the one of the SEB bank unit which provides this information, you are responsible for compliance with the laws and other legal acts which may be applicable to you. If you need more information, please contact your SEB bank account manager or any SEB bank unit.

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