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Structured products

BIL structured products allow you to diversify your portfolio and optimise its return at different levels of risk depending on the chosen product.

Structured products: attractive investments that are still relatively unknown to retail clients 1.

Structured products are securities or deposits repayable upon maturity or upon expiry of certain periods specified in the contracts. The conditions under which any interest or premium will be paid and the risk associated with the product result from the combination of the contract terms and various other factors such as indices, financial instruments, commodities and exchange rates. These structured products include an embedded option for hedging or speculative purposes with a view to optimising yield. The structured products designed by BIL allow you to diversify and optimise the returns on your portfolio with different levels of risk depending on the product chosen.

1 1Structured products are not risk-free. Please contact our BIL relationship managers to determine which products are most suited to your profile. Consult the EMTN base prospectus.

Innovative solutions

BIL offers three innovative solutions that combine different levels of risk and capital guarantee.

BIL Fix

  • You are guaranteed to redeem all invested capital less fees and charges at maturity.
  • Early redemptions are made at market value less fees and charges.
  • A fixed or rising interest rate is known and guaranteed over the period.

BIL Y.E.S.

  • You are guaranteed to redeem all invested capital less fees and charges at maturity.
  • Early redemptions are made at value less fees and charges.
  • Better yield prospects than conventional investments: The remuneration of each BIL Y.E.S. is linked to the performance of financial assets selected by our experts (shares, indices, exchange rates, etc.).
  • The income is variable depending on market conditions at the time of issue and takes the form of coupons or of a single premium at maturity.

BIL Plus

  • If the price rises, the investment is redeemed at par in cash.
  • If the price falls below a certain minimum set at issue, redemption is made in shares.
  • If you redeem early, you receive market value less fees and charges.
  • As with all complex products, structured products entail certain risks

To retrieve the latest Key Information Document for your BIL SA structured product, please consult the below links:

As with all complex products, structured products entail certain risks associated with market conditions or the underlying assets.

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