Choi Hae-young, a housewife in her 60s, is considering breaking away from the term deposit she has subscribed to for decades and signing up for a principal-guaranteed index-linked deposit (ELD), which provides returns of up to 10% per annum. Mr. Choi said, “If the conditions are right, you can earn high profits, and even if not, you can be guaranteed the principal and interest rates at the level of general deposits, so we are keeping an eye on it.” Banks are actively responding to the ‘money move’ by selling principal-guaranteed products that offer double-digit interest rates. They are sending a ‘love call’ to their customers by setting interest rates for short-term funds (frequent deposit/withdrawal) and stock trading commissions more advantageously than securities firms. As the stock market continues to boom, we are meeting the increased expectations of customers for returns. NH Nonghyup Bank is selling ELD, which provides annual returns of 2.7% to 9.45% (pre-tax basis) depending on changes in the KOSPI 200 index until the 8th. This product can yield returns in the 9% range if the KOSPI 200 maturity (1 year) index rises to 0-45% compared to the standard index. However, the subscription period