Structured Deposit

Structured Deposit

DBS China Structured Deposits

Product Information

USD Interest Rate-Linked Structured Deposit
(Principal Protected)

CurrencyTenorPotential Profitability
CNY or Foreign CurrencyAverage Tenor from 1 month to 2 yearsIf the Reference Rate is equal or lower than the Strike Rate on the Fixing Date, the client will receive a higher Return Rate per annum for the Return Period;

If the Reference Rate is higher than the Strike Rate on the Fixing Date, the client will receive a lower Return Rate per annum for the Return Period;

The Worst-Case Scenario at Maturity:
Client will receive a lower Return Rate per annum for the Return Period.

Reference Rate for return rate:
The rate for deposits in U.S. Dollars for a period of 3 months.

Important Reminder:
This structured product has investment risks. The client will only receive a return determined in the manner set out in the term sheet. The client should fully understand the investment risks before making any investment in this structured product.

USD Interest Rate-Linked Structured Deposit
(DRA Principal Protected)

CurrencyTenorPotential Profitability
CNY or Foreign CurrencyAverage Tenor from 1 month to 2 yearsReturn Amount = Principal Amount x Return Rate x (actual number of days in the Return Period ÷ 365)
Return Rate (annualized) is determined as follows:
Higher Return Rate*(N1/N2)+Lower Return Rate*(1-N1/N2)

*Notes:
“N1” means the number of calendar days in the Return Period in respect of which the Reference Rate is equal to or greater than Lower Return Rate and equal to or less than Higher Return Rate;
“N2” means the number of calendar days in the Return Period.

The Worst-Case Scenario at Maturity:
Client will receive a lower Return Rate per annum for the Return Period.

Reference Rate for return rate:
The rate for deposits in U.S. Dollars for a period of 3 months.

Important Reminder:
This structured product has investment risks. The client will only receive a return determined in the manner set out in the term sheet. The client should fully understand the investment risks before making any investment in this structured product.

Credit-Linked Structured Deposit
(Non-Principal Protected)

CurrencyTenorPotential Profitability
CNY or Foreign CurrencyAverage Tenor from 6 months to 5 yearsClient will receive the relevant return amount calculated based on the coupon/dividend from the Underlier while undertaking the profit or loss arised from the underlier price fluctuations or events such as the default of the underlier, as well as the potential profit or loss from exchange rate.

The Worst-Case Scenario at Maturity:
Client may suffer a total loss of the principal amount.

Underlier(s):
Includes but not limited to offshore vanilla bond and AT1 bond.

Important Reminder:
This structured product has investment risks. There is NO guarantee on the Principal or return amount. The client may suffer a significant loss of the principal amount due to market fluctuations. In the worst case scenarios, the client may suffer a total loss of the principal amount.

Dual Currency Foreign Exchange Rate-Linked Non-Principal Protected Structured Deposit
(Non-Principal Protected)

CurrencyTenorPotential Profitability
Foreign CurrencyAverage Tenor from 1 month to 2 yearsOn the Maturity Date, the client will receive the final total redemption amount in cash. The total redemption amount is composed of the Principal Amount and the Return Amount.

Return Amount = Principal Amount*Return Rate. The Return Rate is the percentage as agreed on the Term Sheet. The Client investment currency is defined as the Base Currency while the other currency is defined as the Alternate Currency.

If the Alternate Currency appreciates against the Base Currency compared to the Strike Rate at the fixing time on the fixing date, the final redemption amount will be in Base Currency; If the Alternate Currency depreciates against the Base Currency compared to the Strike Rate at the fixing time on the fixing date, the final redemption amount will be in Alternate Currency, exchanged at the Strike Rate.

The Worst-Case Scenario at Maturity:
Client will receive the final total redemption amount in Alternate Currency. The final total redemption amount is 100% of the Principal Amount and the Return Amount exchanged at the Strike Rate.

Underlier(s):
Spot rate of Base Currency to Alternate Currency.

Important Reminder:
This structured product has investment risks. There is NO guarantee on the Principal or return amount. The client may suffer a significant loss of the principal amount due to market fluctuations. In the worst case scenarios, the client may suffer a total loss of the principal amount.

Equity-Linked Structured Deposit
(Non-Principal Protected)

CurrencyTenorPotential Profitability
CNY or Foreign CurrencyAverage Tenor from 1 month to 2 yearsThe product tracks the performance of the underlier. Assume no change of the exchange rate of investment currency to the underlier currency, then the Structured Deposit Redemption Amount increases with the underlier price.

The Worst-Case Scenario at Maturity:
Client may suffer a total loss of the principal amount.

Underlier(s):
Includes but not limited to offshore equity index, exchange traded equity, exchange traded funds (i.e. ETF, also include REITs).

Important Reminder:
This structured product has investment risks. There is NO guarantee on the Principal or return amount. The client may suffer a significant loss of the principal amount due to market fluctuations. In the worst case scenarios, the client may suffer a total loss of the principal amount.

Equity-Linked Structured Deposit
(Principal Protected)

CurrencyTenorPotential Profitability
CNY or Foreign CurrencyAverage Tenor from 1 month to 2 yearsIf a Barrier Event does not occur, the Customer will on the Maturity Date:
  1. only receive a Return Amount which is A% of the Principal Amount, if the Final Closing Level is equal to or lower than the Initial Closing Level;
  2. receive a positive Return Amount calculated based on the relevant formula set out below if the Final Closing Level is lower than the Barrier Level but greater than the Initial Closing Level.
If a Barrier Event occurs, the Customer will on the Maturity Date receive a Return Amount, which shall be B% of the Principal Amount. (A% and B% are as agreed on the Term Sheet)

The Worst-Case Scenario at Maturity:
The Client Return Rate will be the lower return rate (A%) as agreed on the Term Sheet.

Underlier(s):
Includes but not limited to offshore equity index, exchange traded equity, exchange traded funds (i.e. ETF, also include REITs).

Important Reminder:
This structured product has investment risks. The client will only receive a return determined in the manner set out in the term sheet. The client should fully understand the investment risks before making any investment in this structured product.

Foreign Exchange Rate-Linked Structured Deposit
(Non-Principal Protected)

CurrencyTenorPotential Profitability
CNY or Foreign CurrencyAverage Tenor from 1 month to 2 yearsThe return is detremined by the Foreign Currency Exchange Spot Rate at the Fixing Time on the Fixing Date. If the Foreign Currency Exchange Spot Rate is equal to or lower than the Strike Rate (equal to or higher) at the fixing Time on the Fixing Date, then the redemption amount client receive will be more than 100% of the Principal Amount; If Foreign Currency Exchange Spot Rate is higher (lower) than the Strike Rate, then the redemption amount client receive will be less than 100% of the Principal Amount and will not receive any additional return amount.

The Worst-Case Scenario at Maturity:
Client may suffer a total loss of the principal amount.

Underlier(s):
Foreign currency spot rate (i.e. USD/HKD spot rate)

Important Reminder:
This structured product has investment risks. There is NO guarantee on the Principal or return amount. The client may suffer a significant loss of the principal amount due to market fluctuations. In the worst case scenario, the client may suffer a percentage loss of the principal amount. The client should fully understand the investment risks before making any investment in this structured product.

Outstanding Product

DBS China strictly follows the requirement of CBIRC for the information disclosure of structured deposit product. The timely and effective information disclosure of SD product is very important to keep the good relationship with the customer.

  • Periodically and proactively notify of product performance to the investment product holder
  • Please feel free to contact your relationship manager or contact us through our customer hotline (4008208988) in case of any question or suggestion about our structured deposit products or our services

*Note: Structured Deposit Products are not ordinary deposits and have investment risks, and customers should be cautious in making any investment.

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The information provided on this website is subject to change without notice, its accuracy is not guaranteed, and it may be incomplete or condensed. Accordingly, no representation or warranty, express or implied, is made as to the accuracy, completeness or fairness of the information in this website. We are not acting as your advisor or agent when providing the information in this website. The information in this website does not purport to identify the risks (direct or indirect) or other material considerations which may be associated with you entering into a particular transaction, subscribing for a particular service or purchasing or selling a particular security or financial instrument. Prior to entering into any proposed transaction or entering into any subscription, purchase or sale of any security or financial instrument, you should determine (after consultation with your own advisors if you deem fit), without reliance upon us or our affiliates, the economic risks and merits, as well as the legal, tax, accounting or other material characterisations and consequences of the transaction, subscription, purchase or sale, as the case may be, and that you are able to assume these risks.

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Get in touch

DBS BusinessCare: 400 821 8881

Get in touch

DBS BusinessCare: 400 821 8881