Foreign Exchange Range Accrual

Hypothetical Investment Terms

^ the actual number of business days is subject to joint business holidays between Kuala Lumpur and Sydney

Hypothetical Scenario A: The Stable Market (Full Payoff)

• Market Movement: The AUD remains stable against the MYR, trading narrowly between 2.7800 and 2.8900 during the investment tenure.
  
  

• Coupon Outcome: The underlying FX reference rate was within the pre-determined Range for 63 out of 63 business days. The Investor earns the full 4.00% p.a. enhanced yield.

Hypothetical Scenario B: The Slightly Volatile Market (Partial Payoff)

• Market Movement: During the final quarter of 2025, AUD/MYR broke below the 2.7800 lower limit and recovered toward 2.8000 as the year closed.
  
  
  
  
• Coupon Outcome: The underlying FX reference rate was within the pre-determined Range for 54 out of 63 business days only. The Investor earns the 4.00% p.a. enhanced yield for 54 days and receive zero coupon for 9 days.

Hypothetical Scenario C: The Trending Market (Zero Payoff)

• Market Movement: The AUD/MYR pair broke the 2.7800 lower limit and continued to stay below 2.7800 throughout the investment tenure.
  
  
  
  
• Coupon Outcome: The Investor receives zero coupon for the investment tenure, but initial investment (Principal Amount) is protected if held to maturity.

Disclaimer: The above illustrative examples are 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 FXRA.

• Individual investor (a maximum of two (2) joint investors) who fulfils all of the following criteria:
  • Aged 18 years and above;
  • Qualify as either a High-Net Worth Individual or Accredited Investor as defined in the Securities Commission Malaysia's Guidelines on Categories of Sophisticated Investors; and
  • Maintain a Conventional Current Account or Savings Account in MYR
• These investments are internally rated under Risk Category 2 and are suitable for investors with low to moderate risk profile.
  

• Starting from MYR100,000 and in multiples of MYR50,000
• No individual  subscription limit, subject to  availability  of the tranche size

• 100% Principal Protection, provided the investment is held to maturity,  subject 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, subject to applicable terms and conditions

• 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 FXRA
• 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, Risk Disclosure Statement, Term Sheet and Terms and Conditions Governing Principal Protected 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 PBB branch to access the latest disclosure documents