Safe and effective profit with BAC A BANK's second public bond issuance - phase 1

The "golden" time to add bonds to your investment portfolio

2024 is considered a challenging period but also has many opportunities to increase investment yields. According to experts, the continuously low savings interest rate is the driving force for cash flow to shift to other investment channels.

Following the market in recent days, domestic gold prices have continuously reached new peaks despite the downward trend in world gold prices. Considered a safe haven, gold has recently been fraught with risks and unpredictable fluctuations due to its dependence on economic and geopolitical factors. Meanwhile, real estate is not easily accessible to the majority of investors because it requires large capital and in some cases, there are still many legal problems.

In the current context, bank bonds become a very suitable choice for those who are looking for a safe, low-risk investment channel. When deciding to participate in bonds, most investors will feel secure when the issuing organization is a reputable brand, has stable financial capacity and sustainable business development for many years.

Ms. Ha Anh (29 years old - office worker, currently living in Hanoi) said: "With a small but stable monthly income, I am always conscious of setting aside some money for investment activities. Applying the formula of dividing eggs into many baskets and diversifying the investment portfolio helps me minimize risks and increase the opportunity to make a profit."

About 2 years ago, I started to learn about and prioritize investing in bank bonds. I participated in 2 public bond issuances in 2022 of BAC A BANK. In the midst of the current market with many potential variables, this is an easy-to-implement investment channel, with safe and sustainable profits, and very suitable for my financial capacity. In addition, last year I also received interest from 2 Bond investments from BAC A BANK, the bank paid interest on time, so I feel very secure to continue investing in this issuance" - Ms. Ha Anh excitedly shared.

Safe and effective profit with public bonds issued by BAC A BANK

With the goal of optimizing capital efficiency for customers, from May 27, 2024 to 9:00 a.m. on June 17, 2024, Bac A Commercial Joint Stock Bank (BAC A BANK) officially offered 20,000,000 bonds for the second public issuance - phase 1. According to the plan in the next 3 years, BAC A BANK is expected to carry out 6 bond issuances, the total offering value at par value of all 6 phases is 9,000 billion VND.

At the first issuance, BAC A BANK bonds have a face value of 100,000 VND/bond; interest is paid periodically every 12 months; term of 7 years for the two bond symbols BAB201-07L, BAB201-07C, and 8 years for the bond symbol BAB201-08C. The expected bond redemption period is very flexible, 18 months, 24 months and 36 months from the date of issuance, corresponding to each bond symbol.

Investors who own BAC A BANK bonds issued to the public for the second time - phase 1 will enjoy optimal flexible interest rates each year, the interest rate is always higher than the 12-month term deposit interest rate with a maximum margin of up to 1.9%/year. More attractively, individual investors and institutional investors only need a minimum capital of 50,000,000 VND and 100,000,000 VND respectively to be able to access this safe and effective profit channel.

Similar to the previous issuance, this bond of BAC A BANK continues to be a non-convertible bond, without warrants, without collateral. The product is distributed directly at the Head Office and the BAC A BANK Branch/Transaction Office system nationwide, so it is easy to participate.

At the end of the offering, BAC A BANK's bonds will be centrally registered at the Vietnam Securities Depository (VSDC) and listed on the Hanoi Stock Exchange (HNX), in compliance with the Government's orientation for developing a healthy and transparent bond market. Accordingly, investors can proactively trade and mortgage bonds at super competitive interest rates, creating conditions for customers to be proactive in their finances if they suddenly need capital and fully exercise the rights of bond owners including transferring, donating, etc.

Throughout nearly 30 years of construction and development, BAC A BANK has always steadfastly pursued the consistent orientation of developing a multi-functional, modern bank, fully and diversely meeting the needs of banking and financial services for all economic sectors. Being licensed to issue and officially offer bonds to the public for the second time - phase 1 helps BAC A BANK balance liquidity, increase medium and long-term capital sources, affirm its solid financial health, and meet the capital safety and risk management criteria set by the State Bank.

For more information, please visit our website.www.baca-bank.vn, contact Customer Care Center 1800 588 828 (free) or receive direct consultation at the nearest BAC A BANK Branches/Transaction Offices.