Welcome to our structured product investment information page. The products are designed for investors with a high level of financial sophistication who understand the associated risks and complexities.
Please note: Structured Product Investments are not available to retail investors and are intended only for those who qualify as Sophisticated Investors under the Securities Commission Malaysia’s Guidelines on Categories of Sophisticated Investors.
This page provides general information to help you understand the features and structure of the products. It is not an offer, invitation or recommendation to subscribe or invest in any of these products.
Callable Range Accrual ("CRA")
Public Bank offers the following Conventional Structured Product Investments (“SPI”) under the CRA series which are principal protected if held until maturity or until the callable feature is exercised the Bank.
|
No. |
Conventional SPI |
Investment Currency |
Underlying Reference |
|
(i) |
MYR Interest Rate-Linked Callable Range Accrual (“KLIBOR CRA”) |
MYR |
KLIBOR |
|
(ii) |
MYR Quanto USD SOFR Constant Maturity Swap Callable Range Accrual (“MYQ CMSCRA”) |
MYR |
USD SOFR ICE Swap Rate |
|
(iii) |
USD SOFR Constant Maturity Swap Callable Range Accrual (“USD CMSCRA”) |
USD |
USD SOFR ICE Swap Rate |
Diversify your investment portfolio by taking advantage of a range-bound view on market interest rates.
CRA is a principal protected structured product investment if held until maturity or until the callable feature is exercised by the Bank. The returns on the CRA will be determined by the daily movement of the Underlying Reference against the predetermined Range, which is a set of reference interest rates fixed upfront by the Bank which form the upper and lower limit (i.e. Lower Limit ≤ Underlying Reference ≤ Upper Limit). The Coupon payable (if any) is calculated based on the actual number of calendar days where the Underlying Reference stays within the predetermined Range during each Observation Period.
Disclaimer: The above illustrative example is prepared with hypothetical data, and not based on the past performance. It is strictly for reference purpose only and do not guarantee or represent the final returns of CRA.
- Individual investor (a maximum of two (2) joint investors) who fulfils all of the following criteria:
- Aged 18 years and above
- Quality as either a High-Net-Worth Individual or Accredited Investor (individual) as defined in the Securities Commission Malaysia’s Guidelines on Categories of Sophisticated Investors
- Maintain a Conventional Current Account or Savings Account in MYR or Foreign Currency Current Account in USD with PBB
- These investments are rated under Risk Category 2 and are suitable for investors who have low to moderate risk profile.
- For MYR-denominated investment: Starting from MYR100,000 and in multiples of MYR50,000
- For USD-denominated investment: Starting from USD25,000 and in multiples of USD10,000
- 100% Principal Protection, provided the investment is held to maturity or upon call-back by the Bank, and subject always to the Bank's solvency.
- Receive quarterly coupons (when in range)
- Enjoy potential enhanced returns higher than traditional Fixed Deposits with similar term to maturity
- No fees and charges for subscription
- Available in different investment tenure to match your investment horizon and objective
- Early exit is possible with Bank’s approval
- For subscription : Over-the-counter at your nearest PBB branch
- To exit : Please complete the prescribed form at the Application Branch
- Eligible Investor has the right to request for a copy of the Product Highlights Sheet
- Eligible Investor should understand, compare and consider the risks, fees, charges and costs (where applicable) involved in investing in CRA
- Eligible Investor should make their own assessment of the merits and risks of the investment. If in doubt, Eligible Investor should seek independent professional advice
- Eligible Investor is advised to read, understand and sign on the Product Highlights Sheet, Term Sheet, Risk Disclosure Statement and Terms and Conditions Governing Range Accrual Product Series before/upon entering into the investment decision
- For more information, please consult our authorised Sales Personnel or Relationship Manager at your nearest branch to access the latest disclosure documents
THE RETURNS ON YOUR STRUCTURED PRODUCT INVESTMENT WILL BE AFFECTED BY THE PERFORMANCE OF THE UNDERLYING ASSET / REFERENCE, AND THE RECOVERY OF YOUR PRINCIPAL INVESTMENT MAY BE JEOPARDISED IF YOU MAKE AN EARLY REDEMPTION.
THIS STRUCTURED PRODUCT INVESTMENT IS NOT PROTECTED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.
Note: This website has not been reviewed or approved by the Securities Commission Malaysia (“SC”) and does not imply any endorsement by the SC.
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