Preferred Banking : Structured Investment

If you are looking for an investment that gives you the opportunity to earn higher returns compared to a regular fixed deposit, ABN AMRO Dual Currency Investment (DCI) is the ideal wealth-building tool for you.

With DCI, you enjoy returns on your investments based on foreign exchange movements. The principal sum and interest is repayable in the deposit currency (the currency in which the investment is made) or alternate currency. This is based on the weaker currency, and determined by the strike level agreed upon between you and the Bank.

Simply by taking a relative view of how two currencies might move against each other, you can potentially earn significantly higher returns on your investment compared to fixed deposit.

Why ABN AMRO?

A careful analysis of the currency market is essential in helping you make informed decisions. At ABN AMRO, our global presence, diversified expertise and financial strength will allow you to invest with confidence.

We also combine our award-winning investment expertise with highly personalised services. We recognise that every customer is unique and has individual needs. This is the tenet on which our customer service policy is based. Our Relationship Managers and every member of our staff continuously strive to deliver the best service experience to all our customers.

How Does It Work?

Step One
Choose a pair of currencies from our wide range of major currencies. One will be your deposit currency and the other will be your alternate currency.

Step Two
Decide on your investment amount and preferred tenure period which may range from 2 weeks to 1, 2 or 3 months.

Step Three
Decide a strike level on your currency pair.

You will be advised by the Bank two business days before the maturity of your investment, on whether your principal and interest will be returned to you in the deposit or alternate currency.

Here’s An Example:

You invest MYR 250,000 in a 2 week ABN AMRO Dual Currency Investment and choose USD as your alternate currency. The DCI interest rate is set at 8% p.a., and the strike level is agreed at 3.35 (assuming that the current spot rate is 3.40)

Start Date : 15 Oct
End Date : 29 Oct
Tenure : 14 days

One of the following scenarios may take place and you will be advised two business days before maturity that:

Scenario 1
USD/MYR spot rate is 3.37 (above strike level)

Scenario 2
USD/MYR spot rate is 3.33 (below strike level)

The amount you will receive on 29 Oct is MYR 250,767.12
(Principal plus interest)

Principal (P)
MYR 250,000

Interest (I)
MYR 250,000 x 8% x 14/365
= MYR 767.12

Total
(P) + (I)
= MYR 250,767.12

The amount you will receive on 29 Oct is USD 74,855.86

MYR 250,767.12 converted to USD at the agreed strike level of 3.35
= MYR 250,767.12 / 3.35
= USD 74,855.86

Note: The above example is for illustration purposes only and is not indicative of future or likely performance or return. Past performance of DCI are also not necessarily indicative of future or likely performance or return.

Investment products offered are not available to US Persons. For further clarification, please see "US Persons Disclaimer" or contact the Bank.

If you think Dual Currency Investments may be the right investment for you, just speak to our Relationship Managers. We will be pleased provide you with more information and to answer any questions you may have. Just call us or visit us today to find out more!

*Terms & Conditions apply.

Important Note

Dual Currency Investment (DCI) is investment where the principal sum and interest are repayable in either the deposit currency or the alternate currency. DCI is meant to be held to maturity and have an investment element and returns are variable. Your principal is not protected and you may sustain losses on your principal. If you withdraw your investment before the maturity date, you may lose part of your return and/or principal. Any early termination costs such as administration costs, unwinding costs and other unforeseen costs will be deducted from your investment. No partial withdrawal of the principal is allowed.

Investing in DCI entails certain risks, including a potential loss on the principal sum if the proceeds are paid at maturity in the alternate currency (in comparison with the amount of the deposit currency initially invested). You may be subject to foreign exchange risks fluctuations if you hold a DCI. Exchange controls may be applicable from time to time to certain foreign currencies.

Investors should read the General Terms and Conditions for Structured Investment and Risk Disclosure Statement.

This document is published for information only and does not take into consideration market conditions, specific investment objectives of any specific person who may receive this document. You should determine if a DCI fits with your financial goals, risk appetite and personal situation. You must make your own financial assessment of the relevance, accuracy and adequacy of the information provided in this publication together with such independent investigation as you may consider necessary or appropriate for the purpose of such assessment.

You may wish to seek advice from a licensed or an exempt financial adviser before making a commitment to purchase this product. In the event that you choose not to seek advice from a licensed or an exempt financial advisor, you should carefully consider if this product is suitable for you.

ABN AMRO Bank Berhad reserves the right to make changes and corrections to the information in the brochure at any time, without notice. ABN AMRO Bank Berhad is the investment –accepting entity.

WARNING:

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.