Structured Product

BCP/NatWest 3.0% AER 5 Year Deposit

BCP is delighted to launch the new BCP/NatWest 3.0% AER 5 Year Deposit, a market leading deposit that pays deposit interest of 3.0% at the end of years 1 to 5. The credit ratings for NatWest are strong at A+ (Fitch), A- (S&P) and A2 (Moody's).

Key Features

  • 3.0% Fixed deposit interest paid out at the end of years 1 to 5
  • Deposit with 100% Capital Security at maturity from NatWest Markets N.V.
  • Daily liquidity available in normal market & funding conditions (capital security does not apply and subject to an administration charge)
  • 5 year term 
  • Available to Credit Unions, Charities, Pensions, Religious Orders, Corporates, Friendly Societies and has been submitted for approval on the Aviva SDIO Platform 
  • Minimum Investment is €250,000 for Credit Unions; €100,000 for Corporates, Charities, Pensions, Religious Orders and Friendly Societies.
  • Closing Date is 28th September 2022

Product Downloads

Warning: If you withdraw before 29th September 2027, capital security will not apply to the portion of your investment being withdrawn. The withdrawal value may be more or less than the capital secure amount and you may lose some or all of the money you invest. Liquidity is only available in normal market and funding conditions. Warning: If NatWest Markets N.V. were to default, you could lose some or all of your investment and potential interest. Warning: Your investment is not covered by any Deposit Guarantee Scheme.

AER is Annual Equivalent Rate. p.a. is per annum. Credit ratings correct as of August 2022.

BCP Transatlantic Defensive ESG Kick-Out Bond

BCP is delighted to launch the new BCP Transatlantic Defensive ESG Kick-Out Bond, an equity investment strategy that provides exposure to a portfolio of 40 large companies with the biggest improvement in ESG scores across North America and Europe. The Bond aims to provide a return linked to the performance of these companies but with significant capital protection features.

Key Features

POTENTIAL GROSS RETURN of 10% per annum (100% maximum return over the 10 year term*)

  • Potential early maturity quarterly, from the end of year 1 onwards, if the Index is at or above the Autocall Barrier
  • Potential return accrues for each quarter that passes
  • Autocall Barrier is at 100% from the end of year 1 until the end of year 5 when it drops to 80% until maturity. At the end of the Term, the Index can fall by up to 20% and still pay a gain of 100%
  • Underlying S&P Transatlantic 40 ESG-Momentum Tilted Equal Weight Daily Risk Control 15% 50-Point Decrement Index provides exposure to a portfolio of 40 large companies with the biggest improvement in ESG scores across North America and Europe, with equal exposure in each region (20 companies selected from North America and 20 companies selected from Europe). 
  • Capital is fully protected unless the underlying Index is more than 50% below its initial level at maturity, where you will lose the same % by which the Index has fallen. Goldman Sachs Group (GSG) is the Guarantor and Goldman, Sachs & Co. Wertpapier GmbH (GSW) is the Issuer of the Bond. In the event GSG fails to meet its liabilities, you could lose some or all of your money
  • Key Risks:
    • Risk of Capital Loss – Your capital is at risk if the Index falls by more than 50% of the Initial Index Level at maturity. Your capital will be reduced by 1% for every 1% fall in the value of the Index at the end of the Bond. You may lose some, or all, of your investment amount.
    • Counterparty/Credit Risk – Your capital is exposed to the credit risk of The Goldman Sachs Group as the  Guarantor of the Certificate. If The Goldman Sachs Group defaults on its senior debt obligations you may suffer partial or full capital loss and potential return.
  • Summary Risk Indicator (SRI) of 5 out of 7, which is a medium-high risk class
  • Minimum Investment €20,000 (Increments of €1,000). Reduced minimum investment of €10,000 where the investment is completed in full through vespro.bcp.ie
  • Available to Personal, Pension, ARF, PRB, PRSA, SSAP, Charity, Religious Order and Corporate Investors
  • Closing Date 21st October 2022

* The maximum return will only occur if the Bond does not kick-out during the 10 year term (i.e. after 1 year or any quarterly observation thereafter) and the value of the Index at the Final Valuation Date is equal to or above 80% of the value of the Index at the Initial Valuation Date.

Product Downloads

Warning: If you invest in this product you may lose some or all of the money you invest. Warning: If you cash in your investment before 4th November 2032 you may lose some or all of the money you invest. Warning: The value of your investment may go down as well as up. You may get back less than you invest. Warning: If The Goldman Sachs Group were to default, you will lose some or all of your investment and potential return. Warning: Current Irish taxation legislation does not allow for a clear categorisation of the product as being subject to Capital Gains Tax (CGT) and there is a risk an alternative taxation basis may apply. Warning: The return on your investment in this product may be affected by changes in currency exchange rates.

IMPORTANT: The Bond does not provide any regular income, it is therefore not suitable for investors who need to take a regular income from their investment; it is suitable only as a capital growth investment. The Bond terminates automatically following Kick-out. The Bond is a listed Certificate and all investment returns will be paid gross of tax. ARF is Approved Retirement Fund. PRB is Personal Retirement Bond. PRSA is Personal Retirement Savings Account. SSAP is Small Self- Administered Pension.

BCP Enhanced Multi-Manager Bond 2

BCP is delighted to launch the new BCP Enhanced Multi-Manager Bond 2, a capital secure bond that provides exposure to a dynamic index comprised of a universe of 8 actively managed investment funds diversified across asset classes and regions with 100% or 90% capital protection at maturity. 

Key Features

  • Access 4 Best Performing Funds with high levels of participation and capital security at maturity
  • Growth Plus Version: 90% Capital Security at maturity and 250% Participation in the Index Performance
  • Protected Version: 100% Capital Security at maturity and 150% Participation in the Index Performance
  • Underlying Index is the Dynamic Allocation Fund Stars Index VC 4.
    • 4 best performing funds are selected from a universe of 8 leading funds
    • Index is dynamically rebalanced on a monthly basis
  • Capital Security of 90% (Growth Plus Version) and 100% (Protected Version) provided at maturity by BNP Paribas Issuance B.V. and guaranteed by BNP Paribas. Credit Ratings: AA- (Fitch), Aa3 (Moody’s) and A+ (S&P)
  • Investment term 5 years (Daily liquidity available in normal market and funding conditions. Capital security does not apply and subject to an administration charge)
  • Key Risks:
    • Risk of Capital Loss – If you invest in this Bond at maturity you can lose up to 10% (Growth Plus Version) of the money you invest.
    • Counterparty/Credit Risk – Your capital is exposed to the credit risk of BNP Paribas as the guarantor of the Certificate. If BNP Paribas defaults on its senior debt obligations you may suffer partial or full capital loss and potential return.
  • Summary Risk Indicator (SRI) of 2 out of 7, which is a low risk class
  • Available to Personal, Pension, ARF, PRB, PRSA, SSAP, Charity, Religious Order and Corporate Investors
  • Minimum Investment €20,000 (Increments of €1,000). Reduced minimum investment of €10,000 where the investment is completed in full through vespro.bcp.ie
  • Closing Date 24th October 2022

Product Downloads

Warning: If you invest in this product, at maturity you could lose up to 10% (Growth Plus Version) of the money you invest. Warning: The value of your investment may go down as well as up (Growth Plus Version). Warning: If you encash before 15th November 2027, capital  security will not apply to the portion of your investment being encashed. The encashment amount may be more or less than the capital secure amount and you may lose some or all of the money you invest. Liquidity is only available in normal market and funding conditions. Warning: If BNP Paribas were to default, you will lose some or all of your investment and potential returns. Warning: Current Irish taxation legislation does not allow for a clear categorisation of this product.

IMPORTANT: All investment returns will be paid gross of tax. Credit ratings correct as of September 2022. Source: Bloomberg. This marketing material has been produced by BCP, who are solely responsible for its contents. BNP Paribas has had no involvement in the production of this document and accept no responsibility for the accuracy or otherwise of the information set out in this document. ARF is Approved Retirement Fund. PRB is Personal Retirement Bond. PRSA is Personal Retirement Savings Account. SSAP is Small Self-Administered Pension.