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Investment Solutions for Municipalities

Rate Structured Notes: The Art of the Possible CIBC Range Notes have a term to maturity of 5 years. The Notes provide a guaranteed coupon for the first year of the term. In all subsequent years, the Notes only provide a coupon of if the benchmark rate is greater than a certain threshold. 2.4% 1.6% 0.8% 0.0% Coupon Benchmark Rate Coupon in Years 2-5 Issuer Currency Term Coupon in Year 1 CIBC CAD 5 years 1.75% -Threshold 1.75% provided that the benchmark rate is greater than 1.75% on the valuation date jen Coupon Benchmark Frequency Quarterly 10-year CMS Rate CIBC Bond Bear Notes provide a fixed coupon in the first year. For all subsequent years, the coupon is calculated according to a pre-defined formula 4.0% 3.2% 2.4% 1.6% 0.8% 0.0% Coupon Benchmark Rate Issuer Currency Term Coupon in Year 1 CIBC CAD 5 years 1.75% Coupon in Years 2-5 1.50% x (benchmark rate - 1.75%), 0 igi Coupon Benchmark Frequency Quarterly 10-year CMS Rate CIBC CONFIDENTIAL 18
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