Certificate of Deposit is a secure yet high-yielding medium term Time Deposit, which allows the customers to choose the period of the deposit and receive a stable amount of interest periodically and the principal on maturity date. Due to its comparatively higher interest rate and the steady inflow of income, Certificate of Deposit would be an ideal investment tool for customers who have substantial amounts of idle cash in hand and could be maintained for at least a year. For greater flexibility, you can pledged the deposit to the bank and obtain an overdraft facility at highly preferential terms.
| Tenor of the deposit: |
Ranging from 1 year to 3 years |
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| Currency: |
MOP, HKD or USD |
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| Minimum deposit amount: |
MOP/HKD100,000.00 for 1 year
MOP/HKD250,000.00 for over 1 year |
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| Interest payment: |
Every 3 months |
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| Overdraft Facility: |
Against the pledge of the Certificate of Deposit, you can obtain up to 80% of the principal at specific interest rate defined by the bank in the same currency of the deposit. |
Remarks:
- Please note that there is no early withdrawal of either partial or the entire deposited amount before the maturity date.
- Overdraft Facility will be available upon the Bank's approval.
If you are looking for a short term deposit product with higher interest return, Dual Currency Deposit should be the answer. It is an investment product linked to the performance of foreign currencies, yielding higher interest rates than ordinary deposit. Customers will choose any pair of currencies from the designated ones, one as the base currency and the other as the alternate currency. On Maturity, based on the change on the exchange rate between the currencies, the bank repay the principal plus interest in one or the other currency based on a previously agreed conversion exchange rate to the customer.
| Tenor of the deposit: |
Ranges from 7 days up to 1 year |
| Currencies: |
Any pair between the following currencies:
- Macau patacas (MOP)
- Hong Kong dollar (HKD)
- US dollar (USD)
- Australian dollar (AUD)
- New Zealand dollar (NZD)
- Sterling pound (GBP)
- Canadian dollar (CAD)
- Euro (EUR)
- Japanese yen (JPY)
- Swiss franc (CHF)
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| Minimum deposit amount: |
HKD 300,000.- or equivalent |
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Remarks:
| 1. |
Please note that there is no early withdrawal of either partial or the entire deposited amount before the maturity date. |
| 2. |
Dual Currency Deposit is not a capital guaranteed product. Although the interest rate of the deposit is higher than those available for a normal deposit, for an identical period, the customer will incur in capital loss, should the repayment occur in the alternate currency. |
| 3. |
Only BCM has the right to choose the repayment currency. |
| 4. |
This content is for information only and is not an offer, or any recommendation to enter into the Dual Currency Deposit. |
IMPORTANT REMINDER:
Investment involves certain level of risk. Please make sure you understand your risk acceptance level and choose the appropriate investment product for more profitable opportunities.
Equity Linked Deposit is an investment product linked to the performance of the Hong Kong Stock Market, yielding relatively higher interest rate as compare to normal deposit. It is denominated in HKD and linked to a specific stock chosen by the customer from the designated list. At time of maturity, depending on the price of the chosen stock in Fix Date in comparing with the Strike Price at start of the deposit, the bank will repay the capital and the interest amount due in HKD or converted in a number of shares of the pre-defined stock, at a price pre-agreed between the Bank and the customer (Strike Price).
| Tenor of the deposit: |
1 to 6 months |
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| Currency: |
Hong Kong Dollar |
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| Minimum deposit amount: |
HKD500,000.00 |
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| Strike Price: |
Defined on a case by case basis, usually around 95% of the current market price of the selected stock. |
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| Fees and charges: |
Should BCM decided to repay in shares, the only charge to be paid for the transaction will be the Stamp Duty, the Hong Kong Stock Exchange Transaction Levy and the CCASS settlement fee. |
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| Transaction time: |
10:00 a.m. - 12:30 p.m. and 2:30 p.m. - 4:00 p.m., excluding Saturdays and Hong Kong and/or Macau holidays. |
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Remarks:
| 1. |
Please note that there is no early withdrawal of either partial or the entire deposited amount before the maturity date. |
| 2. |
Equity Linked Deposit is not a capital guaranteed product. In case the official closing price of the linked stock selected by the customer is lower then the Strike Price, BCM will repay the principal plus interest in terms of shares rather then in HKD. This means that the market value of the stocks will be lower then the initial amount deposited, in which case the customer will incur in a capital loss. |
| 3. |
Only BCM bank has the right to choose the repayment in HKD or shares. |
| 4. |
This content is for information only and is not an offer, or any recommendation to enter into the Equity Linked Deposit. |
IMPORTANT REMINDER:
Investment involves certain level of risk. Please make sure you understand your risk acceptance level and choose the appropriate investment product for more profitable opportunities.
Gold Linked deposit is a fixed rate term deposit linked to the performance of gold price, yielding relatively higher interest rate as compare to normal deposit. It is denominated in USD and linked to the price of gold. At time of maturity, depending on the closing price of gold in Fix Date in comparing with the Strike Price at start of the deposit, the bank will repay the capital in USD or in Paper Gold, at a price pre-agreed between the Bank and the customer (Strike Price), whereas the interest amount due will be credited to customer’s settlement account.
| Tenor of the deposit: |
Maximum 6 months |
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| Currency: |
US Dollar |
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| Minimum deposit amount: |
Amount equivalent to 1,000 ounces troy of Bullion Gold |
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| Strike Price: |
Defined on a case by case basis, usually around 95% of the current market price of gold. |
Remarks:
| 1. |
Please note that there is no early withdrawal of either partial or the entire deposited amount before the maturity date. |
| 2. |
Gold Linked Deposit is not a capital guaranteed product. In case the official closing price of gold be lower then the Strike Price, BCM will repay the principal in terms of Paper Gold rather then in USD. This means that the market value of the Paper Gold will be lower than the initial amount deposited, in which case the customer will incur in a capital loss. |
| 3. |
Only BCM bank has the right to choose the repayment in USD or Paper Gold. |
| 4. |
This content is for information only and is not an offer, or any recommendation to enter into the Gold Linked Deposit. |
IMPORTANT REMINDER:
Investment involves certain level of risk. Please make sure you understand your risk acceptance level and choose the appropriate investment product for more profitable opportunities. |
