5.4% Europe/Gold Bonus&Safety

5.4% annual fixed interest rate and barrier being set at 49% of a benchmark index and Gold (LBMA Gold Price PM) with a term of 3 years. The 🖋️ subscription period lasts until May 19, 2026

How the certificate works

Investors receive a fixed interest rate of 5.4% annually. The certificate will be redeemed at 100% in May 2029 if the daily closing price of the EURO STOXX 50® Index and the daily LBMA Gold Price PM (3 PM London) always quoted above the respective barrier of 49% of the starting value throughout the term. If the barrier is violated, the certificate is redeemed according to the performance of the worse-performing index. In this case, a significant capital loss is possible.
 

Underlyings

This certificate is based on the well-known stock index EURO STOXX 50^® index and Goldserve as underlyings for this certificate. EURO STOXX 50^® is a registered trademark of STOXX Ltd. Details on the EURO STOXX 50^® index as well as the current list of index members can be found on the website of the index provider STOXX Ltd. 

Gold is used by many investors as an investment in the form of bars or coins. With this certificate, gold is represented by the spot gold price, the price of which is fixed in London for one troy ounce in US dollars. The price of gold is set twice a day and is determined and published by ICE Benchmark Administration Limited (IBA). The relevant price for observation is the LBMA Gold Price PM.
 

⏱ During the term

• You can buy and sell the certificate during trading hours at the current price.
• If the barrier was violated, investors bear the market risk.
• The price of the certificate is subject to various influencing factors, including the performance of the underlyings, their volatility, correlation and dividend expectations as well as the interest rate level. This price may fall below the issue price and, especially if at least one of the underlyings is close to the barrier, may fluctuate strongly.
   

⚠️ Issuer risk / Bail-in

Certificates are not covered by the Deposit Protection Scheme. Investors are exposed to the risk that Raiffeisen Bank International AG might be unable to fulfil its payment obligations in respect of the described financial instrument such as in the event of insolvency (issuer risk) or an official directive (Bail-in). A total loss of the capital invested is possible - further information ➨

An investment in securities involves opportunities and risks.