NH NongHyup Bank Launches Principal-Protected Equity-Linked Deposit 26-1
NH NongHyup Bank announced on March 24, 2026, the launch of its “Equity-Linked Deposit (ELD) 26-1,” a principal-protected product designed to offer both security and potential for higher returns. The deposit, with a one-year maturity, links returns to the performance of the KOSPI 200 index.
Key Features of ELD 26-1
The ELD 26-1 offers principal protection, guaranteeing the return of the initial investment and a minimum contracted interest rate upon maturity. It is available in three types, each catering to different risk appetites and return expectations:
- KOSPI 200 Stable I: Offers annual returns ranging from 2.6% to 3.10% for general customers and 2.45% to 2.95% for corporate customers, depending on the underlying asset’s gain.
- KOSPI 200 Return I: Provides potential returns from 2.4% to 5.4% for individuals and 2.25% to 5.25% for corporate customers.
- KOSPI 200 Return II: Offers the highest potential return, up to 10.1% annually for individuals and 9.95% for corporate customers.
Subscription Details
Subscriptions for ELD 26-1 will be accepted from March 25 to April 3, 2026, through various channels, including:
- NH NongHyup Bank branches nationwide
- NH All One Bank
- NH Smart Banking
Understanding Equity-Linked Deposits
Equity-Linked Deposits (ELDs) are investment products that combine the safety of a fixed deposit with the potential for returns linked to the performance of an equity index. This structure allows investors to participate in market gains while mitigating downside risk through principal protection. As Park Hyun-ju, executive vice president for personal finance at NongHyup Bank, stated, ELDs are designed to help customers build stable assets while seeking additional returns.
Recent Trends in ELDs
NH NongHyup Bank has been actively launching principal-protected ELDs linked to the KOSPI 200 index. Previous offerings, such as ELD 25-5 launched in July 2025, also provided returns based on KOSPI 200 index fluctuations, with annual returns ranging from 1.5% to 5% for individuals and 1.5% to 4.6% for corporations. The bank has also offered variations like the ‘Index-Linked Deposit 25-8th Series, KOSPI 200 Profit Type 1’ in November 2025.
These products are particularly attractive in periods of fluctuating interest rates, offering a balance between security and potential growth. NongHyup Bank continues to emphasize its commitment to providing customers with diverse financial products to meet their individual needs.
Worth a look