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What is an INI?

INI are deposit certificates that are linked to various investment themes. Investors have the preference of depositing their capital for a pre-agreed tenor.  

 

Referenced to different assets/reference underlying, INI provides potential profit while limiting risk of principal/capital. These potential returns/profit will depend on performance of these reference underlying/asset classes.  These reference underlying/asset classes include:

-                      Profit Rate

-                      Foreign Exchange

-                      Commodities

-                      Mutual Funds / Exchange-Traded-Funds

-                      Credits

-                      Indices

-                      Equities

-                      A combination of any Shariah-approved reference underlying or any asset class*

 

*The reference underlying or asset classes offered at CIMB are approved by the Shariah Committee

 

INI are principal protected, meaning your initial investment are protected as long as you hold the product until its maturity. 

Benefits & Privileges

Principal Protected
Investment Diversification
Asset Class Accessibility
Fully Customisable

 

What are the key product risks? 

Credit or Default risk

  • This investment is principal if the investment is held to maturity. This investment is NOT insured/NOT protected by Perbadanan Insurans Deposit Malaysia. The payment of the Principal Amount or returns (profit) of this Investment depends upon the ability of the Bank to make such payments.

 

Market Risk

  • The market value of the investment is affected by various factors which include but are not limited to the price of the underlying reference(s), tenor, profit rates and volatility of the underlying reference(s).

 

Early Redemption risk

  • If this investment is redeemed earlier than at maturity due to an early redemption, the investor may not necessarily receive the same redemption price as if it were to held to maturity, including the possibility of some degree of principal loss.

 

How do I participate?

For further information, please contact your relationship manager or visit any of our CIMB branches.

Fees, Charges, Terms and Conditions

For more information, please consult a Personal Financial Consultant or Relationship Manager at your nearest branch to access the latest disclosure documents.

Important Notes

This material has not been reviewed by the Securities Commission Malaysia (“SC”).

WARNING
THE RETURNS ON THIS INVESTMENT WILL BE AFFECTED BY THE PERFORMANCE OF THE UNDERLYING ASSET / REFERENCE, AND THE RECOVERY OF YOUR PRINCIPAL INVESTMENT MAY BE JEOPARDISED IF YOU MAKE AN EARLY REDEMPTION. THIS INVESTMENT IS NOT PROTECTED BY PERBADANAN INSURANS DEPOSIT MALAYSIA.

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