What are complex financial instruments?

Examples of complex financial instruments include warrants and derivatives. In order to understand the risks of these financial instruments, you must have both knowledge and experience of the characteristics of the instrument, such as its complexity, technical structure and financial risks.

The bank therefore always performs an appropriateness assessment of retail clients when they trade in complex financial instruments. This forms part of the enhanced client protection for those who do not trade in financial instruments in a professional capacity.

The bank has divided complex financial instruments into sixteen different product groups.