Investment product is not a deposit, the product carries risk, investor should act prudently.

We offer various payout structured investment products to meet your different needs

We understand your financial needs by providing you with various payout structures and flexible investment tenor.

Structured investment products offering now*

Product launch notice

Product ID Product name Minimum Investment Amount Selling Window
SD20140401 3 Mth RMB Gold Link Double No Touch Structured Investment Product RMB150,000 2014-4-1 to 4-11

The content of this website is for reference only and shall not be deemed as the Bank's official document in respect of the above-mentioned investment products, nor shall it constitute a request or solicitation to any person to invest in any of such products. Should you need to know any relevant investment product, please ask the Bank for official marketing and sales documents.

What is a Structured Investment Product (SIP)? *

A Structured Investment Product is essentially a combination of a traditional deposit and a derivative, where the return is dependent on the performance of some underlying financial instrument. Typical financial instruments linked to such deposits include market indices, equities, interest rates, fixed-income instruments, foreign exchange or a combination of these.

Please note that the Structured Investment Product is not an ordinary savings or term deposit. You can get the full principal (principal-protected SIP) or partial principal (non-principal protected SIP) amount stated in the structured investment product term sheet only when you hold the product till maturity. The return amount may be higher or lower than what you may receive from deposit products, such as ordinary savings deposit or ordinary term deposit or sometimes be zero. Your return amount will depend to some extent on market movements in the underlying. You should make sure that you are able to understand and evaluate the possible impact of movements in the applicable underlying and how this can affect your Principal Amount and Return Amount.

Features at a glance

* Please refer to product term sheet to get more detailed information.

Enjoy the many benefits of a Structured Investment Product

What should an investor consider before investing in a Structured Investment Product?

Structured Investment Products come in different forms. You should consider whether a Structured Investment Product fits with your financial goals, risk appetite and personal situation. When choosing a Structured Investment Product, consider the following:

The material in this document does not fully describe the risks associated to structured investment products, and does not take into account your personal needs and financial circumstance. We recommend you to seek independent financial advice and professional opinion before acquiring the product.

What are the key risks of a Structured Investment Product? **

Liquidity risk - NO early withdrawal allowed: The Investment Product contemplates a fixed term of commitment on your part, returns (if any) will only be paid to you upon maturity of the Investment Product. Unless the Bank provides written consent, you are prohibited from any early withdrawal of your investment prior to Maturity Date. Such consent by the Bank is at its absolute discretion and subject to such conditions as it deems fit. Such conditions may reduce the Return Amount or the Principal Amount repayable to you. Accordingly, you may suffer substantial losses on the Principal Amount upon an early withdrawal or early termination of the Investment Product.

Foreign exchange risk: You may be exposed to foreign exchange risk as the Investment Currency may not be your preferred home currency of choice. Your potential return from a Structured Investment Product may not be greater than the foreign exchange losses due to fluctuation.

Return risk: Your investment return depends on the performance of the Structured Investment Product underlying. You may receive zero return or a return that is lower than traditional savings/time deposit interest rate for same tenor time deposit for the whole investment period.

Deposit taker risk: This is an investment product and not a deposit. Your Principal Amount may not be paid back in the unlikely event of the Bank being insolvent.

** For detailed risks associated with a Structured Investment Product, please refer to Structured Investment Agreement, General Risk Disclosure Statement and Product Term Sheet.

The table below is a simplified illustration of Structured Investment Product versus Time Deposit and Unit Trust in terms of returns and risks. It also shows how Structured Investment Product can diversify your investment portfolio in terms of returns and risks.

Risk vs. Return Illustration
  Time Deposit Structured Investment Product Unit Trust
Principal 100% Returned 100% or partially returned upon maturity No Protection or Limited protection under specified condition
Returns Fixed Interest Rate Investment return or Not guaranteed Not guaranteed
General Investment Risk Assumed and Corresponding Expected Returns Low <-------------------------------> High
Medium

How does a Structured Investment Product work?

Structured Investment Product chart

After the closing offer date of the Structured Investment Product, the Bank will use the collected fund to invest in Financial Market on Trade Date. Full principal (Principal-protected Structured Investment Product) or partial principal (Non-principal protected Structured Investment Product) will be invested into principal protected financial instruments, whose tenor matches the Structured Investment Product to ensure the full principal (Principal-protected Structured Investment Product) or partial principal (Non-principal protected Structured Investment Product) safety during the SIP investment period. The Bank will further use the investment yield generated from such financial instruments to purchase SIP underlying asset linked financial derivatives (i.e. options, or combination of various options etc) to enhance the potential return of the SIP. Upon Expiry Date, the Bank will calculate SIP final payout rate (if applicable) according to SIP underlying asset’s performance and its payout condition stated in the product’s term sheet. Customer will receive full principal or partial principal stated in product term sheet together with investment return (if applicable) upon Maturity Date.

Note: The above narrative only describes the simplest Structured Investment Product operation model for illustration purpose. It is not a reflection of all types of Structured Investment Products operation model and ANZ Bank (China) recommends you to seek independent financial advice and professional opinion before acquiring detailed product.

How do I purchase this product?

Contact our Relationship Manager to set up an appointment today, who will cover the following:

Note: These documents are prepared in both Chinese and English. The Chinese version shall prevail in case of any discrepancy between the two language versions.

Disclaimer

This document is not a complete description of the product to which it refers, accordingly, you should refer to the part of General Risk Disclosure Statement contained in the Structured Investment Agreement, the applicable Term Sheet and other disclosure statements governing the product before deciding to acquire or hold the product. The material in this document does not take into account your personal needs and financial circumstance. ANZ BANK (China) strongly recommends you assess whether it is appropriate to your personal objective, financial situation and needs. ANZ BANK (China) recommends that you seek independent financial and taxation advice before acquiring the product.

The information in this document has been obtained form, and any opinions in this document are based upon sources believed reliable, but ANZ BANK (China) and its officers, employees and agents do not make any warranty as to the completeness or accuracy of the information. The information in this document may change at any time and may not longer be accurate. Please check with your ANZ BANK (China) Relationship Manager to check the currency of this information. Except where contrary to legislation, ANZ BANK (China) and its officer, employees and agents accept no liability (including for negligence) for loss or damage arising or in connection with the information in this document.

This document is distributed to you in the mainland of People’s Republic of China (excluding the Hong Kong Special Administrative Region, the Macao Special Administrative Region, and Taiwan area, the”PRC”) by PRC branches or sub-branches of Australia and New Zealand Bank (China) Company Limited. The distribution of this document in jurisdictions outside the PRC may be restricted by law and therefore person into whose possession this document comes should seek advice on and observe any such restrictions. Failure to comply with relevant restrictions may violate those laws. This document does not constitute an offer to issue, sell or buy securities or any financial product in any jurisdiction.

Recipients of this document are not permitted to reproduce, distribute or publish the document or any part of the document for any purpose.