At a Glance

Simple and structured

Great for those who don’t have time to actively manage their investments.

Diversified risks

Improve potential yields by broadening exposure to other financial instruments.

Medium to long term

Suitable for those who can wait out the longer maturity period.


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

Contact us Visit any of our branch

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