Risk Disclosure

  • Investment product differs from deposits, Standard Chartered Bank (China) Limited and its branches/sub-branches do not make any guarantee unless specialized. Investment products mentioned in the handbook contain the risks disassociated with deposit and are not suggested replacing saving deposits. The actual returns received by investor may be more or less than the expectation or even a principal loss.
  • Principal + is principal protected only if held to maturity. Early redemption of the investment will be a function of the principal and yield amounts, and the relevant outright, volatility and yield rates. This could result in a loss of principal.
  • Choice + is not principal protected. Depending on market conditions prevailing on fixing date, the value of the principal and yield payable may be less than the value originally invested. Independent assessment of the risks and appropriateness of the transaction in the light of your own objectives and circumstances, including the possible risks and benefits of entering into such transaction, should be considered before entering into any transaction.
  • For investment in foreign currency, the customer should be fully aware of the possibility of principal loss due to the variation of foreign currency exchange rate in case of the conversion from foreign currency into domestic currency.
  • "Dynamic Return Investment" has not been and will not be registered under the U.S. Securities Act of 1933 (the "Securities Act"). Accordingly the tranche may not be sold or offered within the United States or to U.S. persons except pursuant to an exemption from or a transaction not subject to the registration requirements of the Act.
  • Any application of "Dynamic Return Investment" products should refer to specific terms and conditions of relevant products.

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Speaking Up

Standard Chartered Bank (the “Bank”) is committed to maintaining a culture of the highest ethics and integrity, and in compliance with all applicable law, regulation and internal policy. As part of this commitment, the Bank has a ‘Speaking Up’ programme through which genuine concerns in this regard can be raised. Members of the public can securely raise Speaking Up concerns through this hyperlink, which is hosted on behalf of the Bank by a third party ‘InTouch’. Examples of concerns that can be raised through this website are concerns that relate to accounting, internal accounting controls or auditing matters and concerns relating to bribery or banking and financial crime. Concerns received will be forwarded to the Bank’s investigations team for review. Complaints relating to SCB banking services should not be raised through this site in the first instance, but through the SCB branch network, contact centres, Relationship Managers or the ‘Contact Us’ webpage.


Please note that this hyperlink will bring to you to another website on the Internet, which is operated by InTouch, an independent company appointed by the Bank to support its Speaking Up programme. Please be mindful that when you click on the link and open a new window in your browser, you will be subject to the additional terms of use of the website that you are going to visit.