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Current Location >> Corporate Banking>> Treasury>> Certificate of Deposit

Certificate of Deposit offers a predictable stable income

Certificate of Deposit (CD) is a fixed income investment, and issued by corporations and banks with interest paid quarterly, annually or at redemption.


  • Three common types of CD : Fixed Rate CD, Floating Rate CD and Structured CD
  • HK Dollar and US Dollar are the major denominated currencies
  • Various tenor ranges from 1 and 5 years or even longer

Product Benefits

  • Enjoy higher yield than normal time deposits


Certificate of Deposit (except the non-bearer certificate with original term to maturity not exceeding 5 years) is NOT equivalent to time deposit and is NOT protected deposit under the Deposit Protection Scheme in Hong Kong.

Risk Disclosure Statement

The above information is provided for reference only. The information may not contain all material terms, in and of itself should not form the basis for any investment decision. Potential investors must seek their own independent advice in relation to any legal, tax, accounting or regulatory issues relating to the matters discussed herein, By accepting receipt of this information the reader will be deemed to represent that they posses, either individually or through their advisor, sufficient investment expertise to understand the risks involved in any purchase or sale of any investment products, referenced herein, and investor has made its own independent judgment. The value, price or income from investments may fall as well as rise. This presentation is confidential and is submitted to selected recipients only. It may not be reproduced in whole or in part to any other person.

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