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Let’s get to net zero with Sustainable Fixed Deposits
  1. Deposits
  2. Sustainable Fixed Deposit

Let’s get to net zero with Sustainable Fixed Deposits

A sustainable future lies with us investing in it today

Positive for our planet. Positive for you. Introducing Sustainable Fixed Deposits^ for retail individuals and business clients, where your deposits are used to help support the UN Sustainable Development Goals (SDGs). Together, we can get to net zero emissions.

Sustainable Fixed Deposit

  • A
    Purposeful Investment

    to address long-term environmental challenges

  • Put your
    Savings to Action

    in supporting sustainable development goals

  • Earn
    Attractive Fixed Returns

    on your sustainable fixed deposit

We have USD 9.2bn (up 138% from 2020) Sustainable Assets in our Sustainable Finance Portfolio

Social

Over 885k microfinance loans enabled.

Environmental

1.4 million tonnes of CO2 emissions avoided.

Financial

Nearly 20,000 SME loans disbursed.

Geographical

70% of our total Sustainable Finance assets are located in emerging markets.84% of them are in Asia, Africa & the Middle East.

Sustainable Fixed Deposits are a conventional fixed deposit product
which allows clients to have their capital referenced against
qualifying loans and projects of Standard Chartered. These loan
and project assets include green financing, sustainable
infrastructure projects, microfinance and access to finance for
SMEs that qualify in terms of Standard Chartered’s Green and
Sustainable Product Framework.

Clients place a sum of money with the bank for a fixed period and will receive a fixed amount of interest at the end of the deposit tenure.

We have mapped our eligible green and sustainable activities
against the Sustainable Development Goals. Our Green and
Sustainable Product Framework details our commitment to finance what we as an organisation view as sustainable activities. The framework was co-authored by Sustainalytics.

By depositing funds in Sustainable Fixed Deposits, you will have access to Standard Chartered Bank’s dynamic footprint and
activities that help progress the Sustainable Development Goals without direct exposure.

The themes within our Green and Sustainable Framework include COVID healthcare, sanitation, food security along with others such as renewable energy, energy efficiency, access to water and water management, sustainable infrastructure, climate change adaptation, access to finance, healthcare, and education.

Sustainable Fixed Deposits function just like a normal Fixed Deposit. Your funds will be placed in the fixed deposit according to your selected tenure. Upon maturity, you will be able to access the funds and the interest earned.

The difference is in the sustainable impact, whereby the funds are referenced against projects which support sustainable development, including those which result in positive environmental impact, social development, and financial inclusion.

^The Sustainable Fixed Deposits will be referenced against assets held in aggregate by the SCB Group, whether existing as at the dates when the deposits are placed or in the future, that SCB Group deems as sustainable in accordance with SCB Group’s externally verified Green and Sustainable Product Framework. The assets that are referenced against the Sustainable Fixed Deposits shall be at least equal or greater in value than the Sustainable Fixed Deposits. SCB Group means Standard Chartered PLC and its subsidiaries and affiliates (including each branch or representative office). The placement of the Sustainable Fixed Deposits is subject to acceptance (including any limits on placement amounts) by the Bank.

Client Terms and Products Terms for Current/Cheque/Savings Account and Fixed Deposit

How does Sustainable Fixed Deposits^ work?

Sustainable Fixed Deposits^ are fixed deposits which allow clients to have their capital referenced against sustainable loans and projects of Standard Chartered. These assets include green financing, sustainable infrastructure projects, microfinance and business banking.

For prevailing Sustainable Fixed Deposit rates, click here.

*Only deposits are protected by PIDM up to RM250,000 for each depositor.

*Click here for PIDM’s DIS Brochure.