Wednesday, July 11, 2007

Long Term Negotiable Certificate of Deposit

Wondering why UITFs are declining? Put the blame on LTNCDs!

LTNCDs are peso-denominated negotiable certificates of deposit with an amount of indebtedness of a bank and a designated maturity. It has a minimum maturity of usually five (5) years.

For its offer period, it is sold through the selling agents. Subsequently it is also offered through authorized market makers. LTNCDs represent the Bank's obligation to pay the face value upon maturity and the specified coupon or interest regularly (around every 3 months).

LTNCDs cater primarily to individuals and corporations in search of a superior investment alternative which can help diversify their portfolios. LTNCDs can also be purchased by financial or institutional investors.

As a bond-deposit hybrid, LTNCDs are high-yielding instruments that are negotiable. LTNCDs are also covered by PDIC insurance up to P250k per depositor. An investor can invest in an LTNCD for as low as P100k.

LTNCDs aim to mobilize savings and encourage long-term investment for individual investors as a tax-exempt certificate if held to maturity.

Just like the retail treasury bonds and the UITFs which were among the hottest financial instruments the past few years, the LTNCD is just a new vehicle to park your excess funds, and as such, some of the loopholes may not have surfaced. Remember that after a while, there were some revisions made in regulating RTBs and UITFs, and this had some minor effects (i.e. slight expenses and some confusion among investors). This may possibly happen with LTNCDs, especially when government regulators come in and get themselves involved in hot issues such as these.

Banks that have offered LTNCDs include BDO, BPI, and just recently, AIG-Philam Savings Bank.

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