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Structured Deposits

  • Boost your returns with UOB Structured Deposits*

    Check out our latest tranches below.

    *Product terms and conditions apply.

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Earn total guaranteed minimum interest of 8.40%* with UOB Structured Deposits

Boost your returns with UOB Principal Guaranteed Structured Deposit 2023 – Series (1) – SGD*. Get started with a minimum investment of S$5,000*. 

  • Total Guaranteed Minimum Interest of 8.40%* of the Principal Amount over 3 years (equivalent to an effective interest rate of 2.7973% per annum) if the Structured Deposit is held until maturity
  • 100% Principal Amount guaranteed when held to maturity
  • Maturity Variable Interest of up to 1.00%* of the Principal Amount, linked to 4 underlying Singapore listed company shares*

 

Offer ends 17 March 2023^.

 

Speak to a UOB banker today

 

How it works

Assuming a Principal Amount of S$10,000 is held until maturity:

Best-Case Scenario (Maximum interest payable, where all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

End of Year Guaranteed Fixed Interest Rate on Principal Amount Maturity Variable Interest Rate on Principal Amount Total Interest Payable
1 2.80% - 2.80%
2 2.80% - 2.80%
3 (At maturity) 2.80% 1.00% 3.80%
Total interest payout 8.40% 1.00% 9.40%
Principal + Interest payout S$10,000 + S$840 + S$100 = S$10,940

 

Worst-Case Scenario (Minimum interest payable, where not all Shares close at or above 100% of their respective Initial Prices on Final Observation Date.)

End of Year Guaranteed Fixed Interest Rate on Principal Amount Maturity Variable Interest Rate on Principal Amount Total Interest Payable
1 2.80% - 2.80%
2 2.80% - 2.80%
3 (At maturity) 2.80% 0.00% 2.80%
Total interest payout 8.40% 0.00% 8.40%
Principal + Interest payout S$10,000 + S$840 + S$0 = S$10,840

 

At a glance

Investment Currency Singapore Dollars (“SGD” or “S$”)
Tenor 3 Years
Offer Period 1 Mar 2023 to 17 Mar 2023, or such earlier date as decided by the Bank.^
Guaranteed Fixed Interest Payable at the end of:
Year % of the Principal Amount
1 2.80%
2 2.80%
3 2.80%

Total Guaranteed Fixed Interest = 8.40%
Maturity Variable Interest If Payment Condition is met, Maturity Variable Interest Rate = 1.00%;
Otherwise, Maturity Variable Interest Rate = 0%

Payment Condition shall be deemed to have been met if the Closing Prices of all Shares are at or above 100.00% of their respective Initial Prices on the Final Observation Date.
Total Guaranteed Minimum Interest 8.40%* of the Principal Amount (Being Total Guaranteed Fixed Interest of 8.40% plus minimum Maturity Variable Interest of 0%)
Shares in Underlying Basket
Company Bloomberg Ticker**
CapitaLand Ascendas REIT (“CLAR”) CLAR SP
CapitaLand Integrated Commercial (“CICT”) CICT SP
CapitaLand Investment Ltd/ Singapore (“CLI”) CLI SP
DBS Group Holdings Limited (“DBS”) DBS SP
Key Product Risks For The Investor
  • The credit risk of UOB.
  • A tenor of 3 years.
  • In the worst case scenario, the total minimum interest payable by UOB is 8.40%* of the Principal Amount if the Structured Deposit is held until maturity.
  • An illiquid secondary market for the Structured Deposit, should the investor seek to unwind this Structured Deposit before the Maturity Date. Potential loss of the Principal Amount if the investment is not held to maturity.

^Subject to changes, please refer to Indicative Term Sheet for full details.

*Note: Product terms and conditions apply. Please refer to the Indicative Term Sheet for more details. A copy of the Indicative Term Sheet is available at the point of sale or at any United Overseas Bank Limited (“UOB”) branch.

***Bloomberg ticker is provided for reference only.

 

Important Notes

Important – Please note: The above is for general information only and does not constitute an offer, an invitation to offer, a solicitation or a recommendation by United Overseas Bank Limited (“UOB”) to enter into or conclude any transaction. The amount placed in the UOB Principal Guaranteed Structured Deposit 2023 - Series (1) is principal guaranteed only if held until the maturity date. Investing in a structured deposit entails certain risks, including potential loss of the principal sum invested if the investment is not held to maturity. Please refer to the Indicative Term Sheet for full product details. You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase UOB Principal Guaranteed Structured Deposit 2023 - Series (1). In the event that you choose not to seek advice from a licensed or an exempt financial adviser, you should consider carefully whether UOB Principal Guaranteed Structured Deposit 2023 - Series (1) is suitable for you.

Structured deposits are not fixed deposits. Unlike traditional deposits, the UOB Principal Guaranteed Structured Deposit 2023 - Series (1) has risk and investment elements, and is not an insured deposit within the meaning of the Deposit Insurance and Policy Owners' Protection Schemes Act 2011.

This advertisement has not been reviewed by the Monetary Authority of Singapore.

United Overseas Bank Limited Co. Reg. No. 193500026Z
March 2023

 

More Information


Structured deposits which have risk and investment elements, are not conventional deposits and accordingly, are not insured deposits for the purposes of the Deposit Insurance Act (Chapter 77A).

In addition, structured deposits are not covered under the Singapore Government's guarantee on all Singapore Dollar and foreign currency deposits of individual and non-bank customers in banks, finance companies and merchant banks licensed by the MAS (which is in effect until 31 December 2010).

Provided that the whole amount of the Principal Amount is held with the Bank up to the Maturity Date, 100% of the Principal Amount shall be guaranteed and payable by the Bank to the investor on the Maturity Date.