At a Glance

Typical financial instruments include equities, interest rates, market indices, fixed income instruments or a combination of these


Features & Benefits


  • Tenor - usually medium to long-term.

  • Tranche Concept - only available during the specified offer period.

  • Return of Principal - the Bank will return to you the full Principal Amount if the Bank held the Structured Deposit to maturity or Early Redemption (where applicable). In the worst-case scenario where the Bank is insolvent, you will lose your full Principal Amount.

  • Payouts - variable payouts linked to the performance of the underlying financial instrument; some Structured Deposits may offer fixed payouts. Payout frequency may vary.


  • Simplicity - no active management; if you like the structure, open a Structured Deposit Account to get started.

  • Diversified risks, enhanced yields - improve overall returns of a portfolio by broadening exposure to other financial instruments without excessive risk, and earn potentially higher returns riding on the performance of the underlying financial instruments.

  • Exposure to asset/markets not easily accessible by retail investors - e.g. market indices, foreign equities, bonds, interest rates, commodities (crude oil, gold, wheat).

A Structured Deposit is not a Traditional Deposit. It is excluded from insurance coverage under the Deposit Insurance and Policy Owners' Protection Schemes Act 2011.


How to Apply