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Personal Deposits
Time Deposits
Bank of China's time deposit products offer low minimum deposit amounts and a variety of term options, including lump-sum time deposits, call deposits, combined time/current deposits, installment time deposits, and lump-sum deposits with interest withdrawal by installments. The main products are described below.
Large-denomination Certificates of Deposit
A personal large-denomination certificate of deposit is a book-entry certificate of deposit issued by Bank of China. It offers nine terms, including 1 month, 3 months, 6 months, 9 months, 1 year, 18 months, 2 years, 3 years, and 5 years. The interest rate at maturity is more favorable than the listed rate for deposits of the same term, and it is transferable between individual customers.
Structured Deposits
Personal structured deposits guarantee principal protection with returns linked to derivative products. This structure ensures a minimum return while providing the potential for higher yields based on fluctuations in the underlying linked assets. Investment currencies include renminbi and US dollars.
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