BEI FX 5.25% JAN31 PLN
EU000A3LUC58European Investment BankSupranationalMOT
- Last price
- 98.80
- as of 13/10/2026
- Gross yield
- 5.57%
- Net yield
- 4.87%
- Maturity
- 24/01/2031
- 4y 3m
Simulation for information and education only, computed automatically from the values entered. It is not financial advice, nor a recommendation or solicitation to buy or sell. Prices and data may be inaccurate or out of date: always check with your broker and the bond documentation and, if needed, consult a licensed adviser.
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Change the values: every figure updates at once. The page link keeps the simulation.
Amounts are in PLN, the bond currency: exchange rate effects (and their taxation) are not considered.
- Settlement amount
- PLN 9,196.70
- Net gain at maturity
- PLN 1,857.00
- Net yield
- 4.87%
- Gross yield
- 5.56%
Order details
- Settlement date
- 20/10/2026
- Purchase price (clean)
- 98.80
- Nominal value
- 9,000
- Clean value
- PLN 8,892.00
- Gross accrued interest
- PLN 348.23
- Tax credit on accrued interest
- -PLN 43.53
- Commissions
- PLN 0.00
- Settlement amount
- PLN 9,196.70
Yields and duration
| Gross | Net | Net without capital gain tax | |
|---|---|---|---|
| Annual yield | 5.56% | 4.87% | 4.90% |
| Modified duration | 3.59 | 3.62 | 3.62 |
The last column applies when the capital gain is offset by earlier capital losses.
Outcome at maturity
- Gross coupons
- PLN 2,362.50
- Tax on coupons
- -PLN 295.30
- Redemption of the nominal
- PLN 9,000.00
- Capital gain
- PLN 108.00
- Capital gain tax
- -PLN 13.50
- Net gain at maturity
- PLN 1,857.00
Cash flows
| Date | Description | Amount |
|---|---|---|
| 20/10/2026 | Payment of the price | -PLN 8,892.00 |
| 20/10/2026 | Gross accrued interest | -PLN 348.23 |
| 20/10/2026 | Tax credit on accrued interest | PLN 43.53 |
| 24/01/2027 | Gross coupon | PLN 472.50 |
| 24/01/2027 | Tax on the coupon | -PLN 59.06 |
| 24/01/2028 | Gross coupon | PLN 472.50 |
| 24/01/2028 | Tax on the coupon | -PLN 59.06 |
| 24/01/2029 | Gross coupon | PLN 472.50 |
| 24/01/2029 | Tax on the coupon | -PLN 59.06 |
| 24/01/2030 | Gross coupon | PLN 472.50 |
| 24/01/2030 | Tax on the coupon | -PLN 59.06 |
| 24/01/2031 | Gross coupon | PLN 472.50 |
| 24/01/2031 | Tax on the coupon | -PLN 59.06 |
| 24/01/2031 | Redemption of the nominal | PLN 9,000.00 |
| 24/01/2031 | Capital gain tax | -PLN 13.50 |
| Net gain at maturity | PLN 1,857.00 | |
It is the sum of all the movements: PLN 11,406.03 received (coupons, redemption, tax credit on accrued interest) minus PLN 9,549.03 paid (price, accrued interest, commissions and taxes) = PLN 1,857.00. It is what you earn in euro, after tax, if you hold the bond to maturity; if negative, you lose money.
How it is calculated
- Accrued interest uses the ACT/ACT ICMA convention: the buyer pays the gross accrued interest and receives the credit for the tax withheld on that part of the coupon.
- Taxes of the Italian administered regime, 12.5% on coupons and capital gain (12.5% for government and supranational bonds, 26% for the others). Commissions are part of the purchase cost. Stamp duty and issue discount are not considered.
- Yields are annual compound rates (IRR) of the cash flows, actual days/365, with the bond held to maturity and coupons not reinvested.