Bonds and Certificates of Deposits

Important Note

This is not a complete list of Bonds and Certificates of Deposits (“CDs”) or other investment products available and is for your reference only.

This is provided for your information only and does not constitute any offer or solicitation or advice for the purchase or sale of any Bonds and CDs. Information in this document has been prepared without taking account of the objectives, financial situation or needs of any particular investor. Accordingly, investors should, before acting on the information, consider its appropriateness, having regard to their own objectives, financial situation and needs. Any decision to purchase Bonds and CDs mentioned herein should be made based on a review of your particular circumstances with your independent financial adviser. This is an investment product. The investment decision is yours but you should not invest in this product unless the intermediary who sells it to you has explained to you that the product is suitable for you having regard to your financial situation, investment experience and investment objectives.

What are Bonds and Certificates of Deposits (“CDs”)?

Both Bonds and CDs are debt instruments typically issued by governments, corporations, or other entities to raise capital. When you purchase a bond or a CD, you act as a creditor. The issuer commits to paying you regular interest over a specified period and returning the face value upon maturity.

Stable Coupon Income*

Investing in Bonds or CDs to get stable and predictable coupon payments throughout the investment life.

Potential Capital Gain*

You may achieve potential gains when the market value of a bond or CD appreciates.

Diversified Investment Market

We source high-quality Bonds and CDs issued by governments and world-renowned corporations, helping you seamlessly tap into global investment opportunities.

Principal Protection at Maturity

Your principal is protected at maturity so long as the issuer of the Bond / CD does not default.

Flexible investment tenor

You can enjoy more flexibility with term lengths spanning 3 months to 30 years to match your investment goals and needs.

Multiple currency options

You can choose various major foreign currencies include: HKD, USD, CNH, AUD, NZD, GBP, CAD, EUR

*It is the obligation of issuer or Guarantor to meet their payment obligations on the interest and principal. If the issuer and/or the Guarantor become insolvent or default on their obligation, you may not receive any repayment of your principal amount or any other payments due to you under the terms of the product.

Scenarios Analysis

Take a look at our illustrative example to see what might be involved when investing in a Bond.

Assume you are investing in 5 Year Bond on 1 April 2026 with bond feature as below:

Bond Price103%

Face ValueUS$100,000

Coupon Rate6%

Payout FrequencySemi-annually

Remaining Tenor4 years

Maturity Date30 Mar 2030

Total Investment Amount Required for the Bond Purchase

Buy Bond at Bond Price 103%: US$100,000 X 103% = US$103,000

Coupon payment received on every payment date

US$100,000 x 6% ÷ 2 = US$3,000

Select a scenario to see the outcome:

The above demonstration examples and situation analysis are based on hypothetical information for illustration and are not based on the past performance of reference index. They are for reference only and are not any guarantee or indication of investment returns. You should not use them to predict the actual performance of the reference index or this product, nor should you rely on such examples to make investment decisions.

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Top Selling Bond

ISIN	Bond Name	Currency	Coupon (%)	Coupon Frequency	Product Risk Level	Years to Maturity
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Bonds List

Bond Sector

Currency

Product Risk Level

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ISIN	Bond Name	Currency	Coupon (%)	Coupon Frequency	Product Risk Level	Years to Maturity
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^S/A: Semi-annually ; A: Annually; Q: Quarterly.

Note: The "Top Selling Bond" refer to the top 5 bonds offered by the bank with the highest subscription numbers in the past quarter, while the "Bond List" sets out the bonds offered by the bank in the past quarter. The above information is past sales record and for reference only. If you would like to obtain the latest information on the relevant products, please contact your relationship manager or call 2287 6767. Data as of 5 Oct 2026.

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Risk Disclosure Statement for Bonds/CDs

Bonds/CDs are not deposit. It is not a protected deposit and NOT protected under the Deposit Protection Scheme in Hong Kong. Besides the risk factors set out below, you should read and understand all the risk factors set out in the offering document(s) before entering into any transactions.
Default and Credit risk. It is the obligation of issuer or Guarantor to meet their payment obligations on the interest and principal. If the issuer and/or the Guarantor become insolvent or default on their obligation, you may not receive any repayment of your principal amount or any other payments due to you under the terms of the product.
Credit rating related risk. The credit ratings assigned by credit rating agencies are heavily weighted by past performances and do not Guarantee the creditworthiness of the product, the Issuer and/or the Guarantor. Downgrades in credit rating may adversely affect Issuer’s ability for refinancing and the market price of the product.
Interest rate risk. The product is subject to interest rate fluctuations. The price of the product will normally fall when interest rate rises. Longer-term bonds / certificate of deposits are generally more sensitive to interest rate changes.
Exchange rate risk. The product may be subject to exchange rate risk. There may be a loss when convert payments made on the product into your local currency.
Liquidity risk. The liquidity of the product in the secondary market could be low and you may not be able to sell before maturity. Even if you can sell, the price will be based on the prevailing market and may result in substantial loss to the investment.
Market risk. Depending on the respective nature of business, the Issuer and/or Guarantor are subject to business, operational, legal, regulatory and political risks to varying extent. These risks may have adverse impact on the Issuer’s and/or Guarantor’s result of operations, financial condition and viability, and thus affect the Issuer’s and/or Guarantor’s ability to fulfill its obligations under this product. The value of your investment may fall and you even may lose your entire investment due to the adverse impact that local, regional and global political, social and economic developments may have on ratings and markets, including ratings and markets that directly concern your investment. Such developments may disrupt markets for long periods and may cause abnormal or volatile fluctuations in different economic measures including currency exchange rates, bond / certificate of deposits values and yields, interest rates, equity values and commodity values.
Event risk. A corporate event such as a merger or takeover may lower the credit rating of the product or issuer. In case the corporate restructurings are financed by the issuance of a large amount of new debt-burden, the company's ability to pay off existing bonds / certificate of deposits will be weakened.
Tax risk. You should carefully consider the tax consequences of investing in the product and consult your own independent professional advisor.
Products with callable feature. The product may be allowed to early redeem by issuer before maturity. You may not be able to enjoy the same rates of return when investing in other products with similar risk parameters. At the worst case, you may be suffer a loss for your investment transaction.
Risk related to high-yield or unrated products. The product is high-yield or unrated. You are exposed to higher default risk, credit risk or liquidity risk. It is more vulnerable to economic cycles. During economic downturns, it typically falls more in value than investment grade bond as (i) investors become more risk averse and (ii) default risk rises. This may be resulted in higher liquidity risk which may be more difficult to obtain market quotations or to resell the bond / certificate of deposit with limited liquidity.
Renminbi related risk. The product is denominated in Renminbi. Renminbi is not freely convertible and conversion through banks in Hong Kong and subject to certain restrictions. The actual conversion arrangement will depend on the prevailing restrictions at the relevant time and the liquidity of the product may be adversely affected. The exchange rate can go up and down. Exchange controls imposed by the relevant authorities may also adversely affect the applicable exchange rate.

Notice on Product Risk Level

China CITIC Bank International Limited (“the Bank”) classifies product risk level of the investment funds into 5 different risk levels, 1 being Low Risk; 2 being Low-to-Medium Risk; 3 being Medium Risk; 4 being Medium to-High Risk and 5 being High Risk based on the Bank’s internal assessment, thereby assisting customers to understand and assess each product’s appropriateness in relation to their risk appetite. The Product Risk Level will be determined by implementing internal qualitative and quantitative measures and rule-based mechanism, taking into account relevant key factors including but not limited to product asset type, regulatory restriction, product complexity, product feature, currency risk, credit risk, price volatility risk, market risk, etc. to assess the risk level of investment products. Product Risk Level is for reference only. Review mechanism may change in response to market conditions and product structural changes. The Bank will review the Product Risk Level regularly and may revise the risk level assigned to a product in case of event triggering without any prior notice.

Description of each Product Risk Level

Product Risk Level	Descriptions
1	The price volatility of the product is low. The likelihood that the investment value may fall below the original investment amount is remote.
2	The price volatility of the product is low-to-medium. The likelihood that the investment value may fall below the original investment amount is low.
3	The price volatility of the product is medium. The likelihood that the investment value may fall in a great extent below the original investment amount is medium.
4	The price volatility of the product is medium-to-high. The likelihood that the investment value may fall substantially below the original investment amount is high.
5	The price volatility of the product is high. It is very likely that the investment value may fall substantially below the original investment amount.