KB Kookmin Bank Launches 'KB Star Index-Linked Deposit' Offering Principal Protection and Additional Returns

Principal Guaranteed at Maturity, with Potential for Additional Returns Based on Underlying Asset Performance

KB Kookmin Bank has launched a new product, the 'KB Star Index-Linked Deposit,' which guarantees the principal upon maturity while also offering the potential for additional returns depending on the performance of the underlying asset.

The newly released 'KB Star Index-Linked Deposit 25-1' is a one-year maturity product based on the KOSPI 200 index as its underlying asset. It is available in two types: 'Growth Pursuit Type' and 'Growth Knock-Out Type.'

The 'Growth Pursuit Type' determines the maturity interest rate according to the increase rate of the underlying asset, offering a minimum annual rate of 2.55% and a maximum annual rate of 2.75% (as of May 9, 2025, before tax). The 'Growth Knock-Out Type' also provides a maturity interest rate based on the increase rate of the underlying asset, with a minimum annual rate of 2.40% and a maximum annual rate of 4.40% (as of May 9, 2025, before tax). However, for the 'Growth Knock-Out Type,' if the underlying asset rises by more than 10% during a certain period, the maturity interest rate is fixed at 2.40% per annum (as of May 9, 2025, before tax).

The subscription period runs until May 18, and applications can be made through KB Star Banking. The subscription limit is 50 billion KRW for each return structure, totaling 100 billion KRW.

A KB Kookmin Bank representative stated, "This product can be an especially attractive investment option during a low interest rate era, as it guarantees the principal and offers higher interest compared to regular time deposits," adding, "We plan to conduct product sales on a regular basis."