4.60% p.a. coupon, principal protected at maturity. A six-year structured deposit linked to 3M KLIBOR, paying quarterly — roughly 30% higher than the best FD.
| Step | What happens |
|---|---|
| 1 · Place deposit | Minimum RM50,000. Principal is fully protected if held to maturity. |
| 2 · Daily check | Each business day, if 3M KLIBOR is between 0% and 4.00%, that day accrues the 4.60% coupon. |
| 3 · Quarterly payout | Accumulated coupon is paid every three months. Worst case for any day KLIBOR sits outside the range: 0% coupon for that day. |
Assumes KLIBOR stays within range for all trading days. FD comparison at 3.55% p.a. (12M FD rate, April 2026); actual FD would need renewal every 12 months at prevailing rates.
| Investment | Quarterly (RA) | Yearly (RA) | 6-Year Total (RA) | 6-Year Total (FD) | Extra Earned |
|---|---|---|---|---|---|
| RM50,000 | RM575 | RM2,300 | RM13,800 | RM10,650 | +RM3,150 |
| RM100,000 | RM1,150 | RM4,600 | RM27,600 | RM21,300 | +RM6,300 |
| RM200,000 | RM2,300 | RM9,200 | RM55,200 | RM42,600 | +RM12,600 |
| RM500,000 | RM5,750 | RM23,000 | RM138,000 | RM106,500 | +RM31,500 |
| Feature | FD 12M | Range Accrual |
|---|---|---|
| Rate | 3.55% guaranteed | 4.60% if in range |
| Lock-in | 12 months | 6 years |
| Principal protection | Yes — PIDM guaranteed | Yes — if held to maturity (bank, not PIDM) |
| Payout | At maturity | Quarterly |
| Early exit | Penalty ~50% of accrued interest | At bank's discretion |
| ESG compliant | No | Yes |
| RM200,000 over 6 years | ~RM42,600 | RM55,200 |
Eleven years of 3M KLIBOR data versus the 4.00% barrier — 942 trading days from June 2015 to March 2026.
| Threshold | Days Above | % of Time | Assessment |
|---|---|---|---|
| > 3.50% | 425 | 45% | Common — within normal range |
| > 3.70% | 56 | 6% | Occasional |
| > 3.80% | 16 | 2% | Rare |
| > 3.90% | 0 | 0% | Never |
| ≥ 4.00% (barrier) | 0 | 0% | Never breached |
All-time high: 3.90% — still ten basis points below the barrier. Source: klibo.db, 942 data points, June 2015 to March 2026.
| Interest-rate risk | If Bank Negara raises the OPR significantly, 3M KLIBOR could approach or breach 4.00%. Each 25bps OPR hike has historically pushed KLIBOR up roughly 20–30bps. |
| Liquidity risk | Six-year lock-in. No guaranteed early exit — you may need to wait until maturity or a call date. |
| Call risk | If rates fall, the bank may call the product early. Principal is returned, but future high-coupon payments are lost. |
| Opportunity cost | Locked for six years. If FD rates rise above 4.60%, you cannot switch. |
| Credit risk | Principal protection depends on the issuing bank's solvency. Not covered by PIDM. |
This material is for discussion purposes only and does not constitute an offer or solicitation. The indicative range is subject to change — final terms will be fixed on trade date (10 April 2026). Past performance of KLIBOR is not indicative of future results. Principal protection applies only if held to maturity. This product is NOT protected by PIDM. Please refer to the official term sheet for complete terms and conditions. Data sources: KLIBOR rates from klibo.db (942 data points, June 2015 – March 2026); FD rates from klibo.db fd_rates table (March 2026); product terms from RM offering circular dated April 2026. Prepared by RHB Relationship Manager, April 2026.