Bank of Commerce: Investments

Investments
Investments for Business
Other Services

You.Treasure Time Deposit
We value what’s important for you. That’s why your Bancommerce has a time deposit with low initial investment and free accident insurance coverage. It’s a smart investment that lets you earn through time.

assured You.Assured One Special Savings Account
You’re now more confident. With You. Assured, a special savings account that offers market-based interest rate, Bancommerce helps you fulfill your long-term plans and goals with immediate investments. Choose terms that’s right for you through the one year and two year term placements.

assured2 You.Assured Two
You’re now more confident. With You. Assured, a special savings account that offers market-based interest rate, Bancommerce helps you fulfill your long-term plans and goals with immediate investments. Choose terms that’s right for you through the one year and two year term placements.

You.Committed Time Deposit
Your trust is valued here. We understand the importance of setting goals and long-term planning for you. Bancommerce presents a five year time deposit with fixed monthly interest earnings and five year time deposit with compounded earnings that’s withdrawable at the end of the fifth year so you have a choice that’s tailor fit for your needs. Security and dependability…that’s our commitment to you.

Five Fixed Monthly
Get a five (5) year time deposit with fixed interest based on the amount of placement. Enjoy tax-free earnings if the deposit is held until maturity and interests are credited to savings account monthly

Five Compounded
Take advantage of the highest yield tax-free! Deposit now at a guaranteed fixed rate and reap the profits after 5 years.

usd You.USD/Euro TIme Deposit and Savings
As flexible as you. Whether in dollars or euro, saving up for your future has never been so easy. Avail of the foreign currency time deposit or savings account of Bancommerce and get the best terms ever. Let us guide you to a brighter, more stable tomorrow.

euro Euro Deposits

Foreign Currency Time Deposit
A Euro- denominated Time deposit that offers market based interest rates for a minumum of thirty (30)days.

Treasury Products

Treasury bills
These are government securities which mature in less than a year. There are three tenors of Treasury Bills: 91-day, 182-day, and 364-day bills. The number of days are based on the universal practice of ensuring that the bills mature on a business day. Treasury Bills are quoted either by their yield rate, which is the discount, or by their price based on 100 points per unit.

Minimum lot size of Php 100,000

Retail Treasury Bonds
These are a hybrid of the FXTNs whose coupon are paid on a quarterly basis. At present, the terms available are: 3-year and 5-year.

Fixed Rate Treasury Notes / Treasury Bonds
These are government securities which mature beyond one year, that provide a steady stream of cash flows to the investor called coupon payments. At present, the following are the maturities of bonds: 2-year, 5-year, 7-year, 10-year, 20-year and 25-year bonds. These are sold at its face value on origination. The yield is represented by the coupons, expressed as a percentage of the face value on per annum basis, payable semi-annually.

Unit Investment Trust Fund (UITF)
Avail of the benefits of a trust investment even with limited means. Your funds will be consolidated with other investors' resources. The size of the pooled assets enables the fund to generate premium and volume discounts in the financial markets. This translates into higher returns for each and every investor.

Investment Management Account
Take advantage of our Trust Services Group's (Bancommerce-TSG) expertise in managing substantial portfolios. You need not worry about canvassing the market for high rates, having to bother about maturities, and, timing the market. While your assets remain in your name, management of your investment is placed in the good judgment of Bancommerce-TSG. This gives our Group the flexibility to react to any changes in the financial markets. Just sit back and watch your money grow. Minimum lot size of Php 1,000,000 a fee of 1% of the principal amount will be collected

one You.Assured One
You’re now more confident. With You. Assured, a special savings account that offers market-based interest rate, Bancommerce helps you fulfill your long-term plans and goals with immediate investments. Choose terms that’s right for you through the one year and two year term placements.

Treasury Products

Treasury bills
These are government securities which mature in less than a year. There are three tenors of Treasury Bills: 91-day, 182-day, and 364-day bills. The number of days are based on the universal practice of ensuring that the bills mature on a business day. Treasury Bills are quoted either by their yield rate, which is the discount, or by their price based on 100 points per unit.

Minimum lot size of Php 100,000

Retail Treasury Bonds
These are a hybrid of the FXTNs whose coupon are paid on a quarterly basis. At present, the terms available are: 3-year and 5-year.

Fixed Rate Treasury Notes / Treasury Bonds
These are government securities which mature beyond one year, that provide a steady stream of cash flows to the investor called coupon payments. At present, the following are the maturities of bonds: 2-year, 5-year, 7-year, 10-year, 20-year and 25-year bonds. These are sold at its face value on origination. The yield is represented by the coupons, expressed as a percentage of the face value on per annum basis, payable semi-annually.

Estate Planning (EP)
Let us help you plan your future! Systematically arrange your personal assets to achieve your own objectives in anticipation of the future. Allow our Trust Services Group to plan the administration and disposition of your Estate. Capitalize on the Group's proficiency to provide tax shelters, reduce expenses, and, ensure liquidity of your estate.

Minimum lot size of Php 500,000

Escrow Agency
Ensure effective transfer of your financial instruments or properties. Our Trust Group serves as an unbiased third party between two entities seeking to complete a transaction. The Group oversees strict adherence to agreed conditions to safeguard interests of both parties.

A minimal fee depending on the services that will be rendered

Mortgage Trust Indenture (MTI)
Make loaning easy! Facilitate negotiations with various creditors for substantial loans. The Trust Services Group acts as an impartial intermediary between a borrower seeking to borrow a sizeable amount from a group of creditors. Not only that, The Group assures competent administration of assets used as collateral for long term loans!