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Business investment is safer and more comfotable
More profitable than conventional deposits
Flexibility to choose the time period according to business needs
From PPD Placement, customer will receive minimum interest and additional return/bonus, where the minimum interest is an interest that will be received by customer and additional return/bonus is total payout which will be added with minimum interest if spot rate touched the agreed lower/upper limit during the observation period (American Style) or at date and time of Determination (European Style)
I. Product Description
Principal Protected Deposit - One Touch (PPD - OT) is an investment instrument (Structured Product) in the form of a combination of time deposits in foreign currency and FX option where the return rate of the customer’s principal based on underlying reference movement. The principal of placement will be 100% protected if it holds until maturity.
PPD OT product is divided into 4 types, which is:
Principal Protected Deposit (PPD) - American One Touch Down is an investment product which provide the opportunity to receive maximum return if during the observation period (from Trade Date until Fixing Date and Time) the underlying instrument moves downward, touching the Lower Limit that has been determined and agreed upon by both parties, the Investor and the Bank
Principal Protected Deposit (PPD) - American One Touch Up is an investment product which provide the opportunity to receive maximum return if during the observation period (from Trade Date until Fixing Date and Time) the underlying instrument moves upward, touching the Upper Limit that has been determined and agreed upon by both parties, the Investor and the Bank
Principal Protected Deposit (PPD) - European One Touch Down is an investment product which provide the opportunity to receive maximum return if spot rate of underlying instrument at Fixing Date and Time moves downward and toucher the Lower Limit that has been determined and agreed upon by both parties, the Investor and the Bank
Principal Protected Deposit (PPD) - European One Touch Up is an investment product which provide the opportunity to receive maximum return if spot rate of underlying instrument at Fixing Date and Time moves upward and toucher the Upper Limit that has been determined and agreed upon by both parties, the Investor and the Bank
II. Product Simulation
1. Example of PPD OT American OT Down Transaction
Currency Pair | AUD - USD |
Trade Date | 27 June 2019 |
Value Date | 29 June 2019 |
Expiry Date | 27 July 2019 |
Maturity Date | 31 july 2019 |
Tenor | 1 Month |
Observation Period | 27 June - 27 July 2019 |
Spot | 0.7600 |
Lower Limit | Spot - 200 = 0.7400 |
Minimun Return Rate | 0.50% |
Bonus (Payout) | 2.25% |
Placement Amount | USD 10,000 |
Scenario 1:
During the observation period AUD-USD was trading low at 0.7450. Then Investors in this case will get a minimum rate of return, which is 0.50%.
On maturity date, the Investor will get the following total payments:
> = USD 10,000 + (USD 10,000 x 0.50% x 32/265)
= USD 10,004.38 gross
= USD 10,003.51 nett
Scenario 2:
During the observation period AUD-USD passed the Lower Limit, and hit lowest traded at 0.7390. Then the investor in this case will get a maximum rate of return, which is 2.75%.
On maturity date, the Investor will get the following total payments
= USD 10,000 + (USD 10,000 x (0.5% + 2.25%) x 32/365)
= USD 10.024.11 gross
= USD 10,019.29 nett
Currency Pair | AUD - USD |
Trade Date | 27 June 2019 |
Value Date | 29 June 2019 |
Expiry Date | 27 July 2019 pukul 13:00 WIB |
Maturity Date | 31 july 2019 |
Tenor | 1 Month |
Spot | 0.7600 |
Lower Limit | Spot - 200 = 0.7400 |
Minimun Return Rate | 0.50% |
Bonus (Payout) | 2.25% |
Placement Amount | USD 10,000 |
Scenario 1:
If on Fixing date and time (27 Jul 2019, at 13:00 WIB), AUD-USD level is above 0.7400, then Investors in this case will get a minimum return of 0.50%.
On maturity date, the investor will receive total payment as follows:
= USD 10,000 + (USD 10,000 x 0.50% x 32/265)
= USD 10,004.38 gross
= USD 10,003.51 nett
Scenario 2:
If on Fixing date and time (27 Jul 2019, at 13:00 WIB), AUD-USD level is below 0.7400, then Investors in this case will get a maximum minimum return of 2.75%.
On maturity date, the investor will receive total payment as follows:
= USD 10,000 + (USD 10,000 x (0.5% + 2.25%) x 32/365)
= USD 10.024.11 gross
= USD 10,019.29 nett
Currency Pair | AUD - USD |
Trade Date | 27 June 2019 |
Value Date | 29 June 2019 |
Expiry Date | 27 July 2019 |
Maturity Date | 31 july 2019 |
Tenor | 1 Month |
Observation Period | 27 June - 27 July 2019 |
Spot | 0.7600 |
Lower Limit | Spot + 200 = 0.7800 |
Minimun Return Rate | 0.50% |
Bonus (Payout) | 2.25% |
Placement Amount | USD 10,000 |
On maturity date, investor will receive total payment as follows:
= USD 10,000 + (USD 10,000 x (0.5% + 2.25%) x 32/365)
= USD 10.024.11 gross
= USD 10,019.29 nett
Currency Pair | AUD - USD |
Trade Date | 27 June 2019 |
Value Date | 29 June 2019 |
Expiry Date | 27 July 2019 pukul 13:00 WIB |
Maturity Date | 31 july 2019 |
Tenor | 1 Month |
Spot | 0.7600 |
Lower Limit | Spot + 200 = 0.7800 |
Minimun Return Rate | 0.50% |
Bonus (Payout) | 2.25% |
Placement Amount | USD 10,000 |
Scenario 1:
If on Fixing date and time (27 Jul 2019, at 13:00 WIB), AUD-USD level is below 0.7800, then the Investor in this case will get a minimum rate of return, which is 0.50%
On maturity date, investor will receive total payment as follows:
= USD 10,000 + (USD 10,000 x 0.50% x 32/265)
= USD 10,004.38 gross
= USD 10,003.51 nett
Scenario 2:
If on Fixing date and time (27 Jul 2019, at 13:00 West Indonesia Time), AUD-USD is above the level of 0.7800, then Investors in this case will get a maximum rate of return, which is 2.75%.
On maturity date, investor will receive total payment as follows:
= USD 10,000 + (USD 10,000 x (0.5% + 2.25%) x 32/365)
= USD 10.024.11 gross
= USD 10,019.29 nett
III. Risk of Product and Other Information
Transactions can be done at all Bank OCBC NISP branch offices
Customers can submit complaints related to products through:
This Summary is made in English and Bahasa Indonesia, and in the event of inconsistency between the version, Bahasa Indonesia shall prevail.
PT Bank OCBC NISP Tbk terdaftar dan diawasi oleh OJK dan merupakan peserta penjamin LPS