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Exchange-traded note

An unsecured debt obligation of a bank that promises the return of an index, so it tracks perfectly in theory but carries the issuer's credit risk and can be shut down.

An ETN owns nothing. It is a promise, which is why it has no tracking-error from holding a portfolio but does have counterparty risk: if the issuing bank fails, holders are unsecured creditors. Issuers can also suspend new issuance, at which point the note stops behaving like a fund and can trade at a large and arbitrary premium because the supply of new units is capped.

Issuers additionally hold call rights, and several well-known volatility ETNs have been accelerated at a day's notice, crystallising losses at whatever level the terms specified.

Example: issuance is suspended on a commodity ETN. With no creation-redemption to arbitrage it, the note trades to a 38% premium over indicative value, then collapses when issuance resumes.

Related: etf, nav, premium-discount-to-nav, creation-redemption, tracking-error

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