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General Information

Money-Market Transactions

Here you will find a brief description of the most common products that protect against interest rate risks.

Hedging Products

Fiduciary Deposit

Objective

Tax-efficient investment. A fiduciary deposit is a fiduciary investment placed with an overseas bank and not subject to withholding tax. The investment is made in the name of Credit Suisse, but for the account and at the risk of the customer. Processing is normally carried out by Credit Suisse AG Guernsey Branch, for larger amounts investments can also be made at other banks on the euro market.

Fiduciary Time Deposits

An investment at a fixed rate of interest for a certain term of between 7 days and 12 months.

  • Minimum amounts: 7 to 25 days term: amounts above CHF 500,000 or equivalent in foreign currency
  • Minimum amounts: more than 25 days term: amounts above CHF 50,000 or equivalent in foreign currency
  • Commission: dependent on investment sum. Between 0.125% p.a. and 0.5% p.a.,
    min. CHF 200

Fiduciary Call Deposits

A short-term investment with no fixed term and with interest rates that are continually adjusted in line with market rates.

  • Minimum amount: CHF 500,000 or the equivalent in foreign currency
  • Term: no limit (subject to 48 hours' notice)
  • Commission: dependent on investment sum. Between 0.125% p.a. and 0.5% p.a.,
    min. CHF 200

Risk

Credit risk (credit rating of the foreign bank); exchange rate risk (in the case of foreign currency investments); possible transfer risk.

Prerequisite

A signed fiduciary agreement

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