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Our pledge to companies

Option purchase

Option purchase

The buyer of an option, in exchange for the payment of a premium, is insured against the movement of the interest rates beyond a certain level (exercise price).

It will be useful to you if your company has:

  • Financing (loan, mortgage, lease, credit facility, etc.)
  • An investment linked to interest rates

1. Financing


If your company has financing (loan, mortgage, leasing, credit facility, etc.), by means of the purchase of a cap of interest rates you can limit your cost for all or part of the term of the same, in exchange for the payment of a premium.

upon maturity of each period:

  • Receives the variable rate stipulated (EURIBOR 3 months, for example)
  • Pays a rate in agreement with the strategy:
    • if variable rate < cap: variable rate
    • if cap < variable rate: cap

Gráfico

The cap is settled by offset. The effect of the settlements of the cap for the client consists of neutralizing variable payments of his/her financing (if these pass the cap rate) to make them fixed.

2. Investment


If your company has an investment linked to the interest rates, by means of the purchase of a floor of interest rates you can ensure a minimum deposit level for all or part of the term of the same, in exchange for the payment of a premium.

At the maturity of each period, the client:

  • Pays the variable rate stipulated (EURIBOR 3 months, for example)
    • Receives a rate in agreement with the strategy:
      if variable rate < floor: floor
    • if floor < variable rate: variable rate

Gráfico

The floor is settled by offset. The effect of the settlements of the floor for the client consists of neutralizing variable charges of his/her investment (if these pass the floor rate) to make them fixed.



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