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Structured Deposits

Structured Deposits

Structured Deposits

Structured deposits mean deposits embedded in financial derivatives and absorbed by a commercial bank, which enable depositors to obtain corresponding earnings on the basis of bearing certain risks, through linking the deposits to fluctuations in interest rates, exchange rates, and indices, among others, or to the credit status of an entity.

Structured deposit products offered by UOBC can be fully customized to align with institutional clients’ and corporate clients’ practical needs and risk appetite. UOBC can provide the kinds of underlying assets, currencies, tenors and different principal-protected products.

*Structured deposit is different from general deposit and involves the investment risks. Please fully understand investment risks and make the investment prudently.

 

  • Information
  • Main types of underlying assets include
  • Main types of currencies include
  • Tenors
  • Principal-protected types
Information Main types of underlying assets include Main types of currencies include Tenors Principal-protected types
Description Interest rate
Foreign exchange rate
Equity (including stock, index, ETF and etc.)
Commodity (including gold and etc.）		 RMB
USD and other foreign currencies		 Typically from 1 month to 3 years 100% principal-protected
Partially principal-protected
Non-principal-protected

    Main types of structured deposits currently on sale

    Including but not limited to the following types
    • Information
    • Underlying Asset
    • Currency
    • Tenor
    • Principal-protected Type
    • Description
    • The worst scenario
    Information Underlying Asset Currency Tenor Principal-protected Type Description The worst scenario
    Foreign exchange rate-linked principal-protected structured deposit Foreign exchange spot rate, such as EUR/USD spot rate RMB or other foreign currencies from one month to three years 100% principal-protected The structured deposit return depends on the final fixing of the underlying foreign exchange spot rate on the final valuation date. Clients will receive the principal and higher return on the maturity date if the conditions specified in the Termsheet are met. Otherwise, Clients can only receive the principal and minimum return (which may be zero) on the maturity date. Clients will only receive the principal and minimum return (which may be zero) on the maturity date.
    Stock/index/ETF-linked principal-protected structured deposit Domestic and foreign stock/index/ETF, such as CSI300 Index RMB or other foreign currencies from one month to three years 100% principal-protected The structured deposit return depends on the underlying asset performance and/or the reference price on the final valuation date. Clients will receive the principal and higher return on the maturity date if the conditions specified in the Termsheet are met. Otherwise, Clients can only receive the principal and minimum return (which may be zero) on the maturity date. Clients will only receive the principal and minimum return (which may be zero) on the maturity date.
    Commodity-Linked principal-protected structured deposit Such as Shanghai Gold RMB or other foreign currencies from one month to three years 100% principal-protected The structured deposit return depends on the underlying asset reference price on the final valuation date. Clients will receive the principal and higher return on the maturity date if the conditions specified in the Termsheet are met. Otherwise, Clients can only receive the principal and minimum return (which may be zero) on the maturity date. Clients will only receive the principal and minimum return (which may be zero) on the maturity date.
    Information
    Foreign exchange rate-linked principal-protected structured deposit
    Stock/index/ETF-linked principal-protected structured deposit
    Commodity-Linked principal-protected structured deposit

    Outstanding Structured Deposit

    UOBC strictly follows the relevant requirements of relevant laws and regulations, providing full disclosure of the structured deposit information.

    • UOBC promises that the necessary information will be disclosed in accordance with the method agreed upon with the clients.
    • Clients can contact with relationship managers to inquire about the relevant information of structured deposit.