Bonds - Trade | Baiduri Bank

Bonds are a form of fixed income securities issued by governments or companies to raise funds from the financial markets. Most bonds pay a steady stream of income (known as coupon payment) at regular intervals throughout the tenor of the bonds. They also provide an alternative means to diversify an investment portfolio.

key features & BENEFITS

Regular and stable income

Potential capital appreciation

A wide range of selection from high grade to high yield bonds to suit your needs and risk appetite

Alternative investment product to diversify investment portfolio which can help to reduce risk concentration in any one assets class within a portfolio.

Regular and fixed interest payments* received by the investor.

*Except for zero-coupon and floating-rate bond

Risks of BONDS

Some of the risks associated with bonds include:

PRICE AND INTEREST RATE RISK
Bond price is inversely related with interest rates; hence higher interest rates would result in lower bonds prices and vice-versa.
CREDIT RISK
Any downgrading in the credit rating of a bond issuer would affect its repayment ability, resulting in the depreciation of the bond price.
DEFAULT RISK
Investors may lose all or a substantial part of the invested amount if a bond issuer defaults on payment.
LIQUIDITY OR MARKET RISK
Bonds are typically traded over-the-counter, which could result in some bonds being less liquid than others. The demand and supply dynamics of the market will also determine the secondary market prices.

Eligibility Criteria
Required Documents
Fees & Charges

Eligibility Criteria
ELIGIBILITY CRITERIA
21 years old and above
Brunei Citizen, Permanent Resident and Foreigners*
Maintain an account with Baiduri Bank or Baiduri Finance
Accredited Investor

*Terms and Conditions apply
Required Documents
REQUIRED DOCUMENTS
FOR BRUNEI CITIZEN

Valid Brunei Identity Card

or

Identity Card Collection Receipt (that contains client’s photograph, full information, IC number, address, date of birth, place of birth)

or

Valid passport; and Latest Proof of Residential Address¹

FOR ROYAL BRUNEI ARMED FORCE (RBAF) OR ROYAL BRUNEI POLICE FORCE (RBPF)

Valid RBAF / RBPF Identity Card; and
Latest Proof of Residential Address¹

or

Valid passport; and
Latest Proof of Residential Address¹

FOR BRUNEI PERMANENT RESIDENT

Valid Identity Card or Identity Card Collection Receipt (that contains client’s photograph, full information, IC number, address, date of birth, place of birth); and
Passport or International Certificate of Identity (for stateless)

or

Passport or International Certificate of Identity (for stateless)
Latest Proof of Residential Address¹

FOR FOREIGNERS

Valid Identity Card or Identity Card Collection Receipt (that contains client’s photograph, full information, IC number, address, date of birth, place of birth); and
Passport with valid pass (e.g. employment pass, student visa, dependant pass, diplomatic pass etc.)
Passport with valid pass (e.g. employment pass, student visa, dependant pass, diplomatic pass etc.)

¹Proof of residential address can be in form of:
Utility bill not over three months old e.g., electricity, telephone, or water bill
Bank Statement, credit card statement or a letter of reference from his/her account from a recognized bank
Valid driving licence
Employment confirmation letter from employer.
Fees & Charges

Fees & Charges
FAQS

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Currently, we are in the process of transferring your investment holdings and account balances to Baiduri Invest, with the aim to complete this transition by end of 2024. You will receive an email notification as the migration date approaches.

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Important update
19 September 2023

We would like to inform you that with effect from 31 October 2023, Business i-Banking service will no longer be operational, and this will be replaced with our new Baiduri b.Digital Business service.

If your company has not transitioned to b.Digital Business, please ensure that every existing user provides the following by 8 October 2023 through the Business i-Banking Inbox:

User’s full name
User’s valid Identification Card (IC) or Passport
User’s mobile number
User's company assigned email address (General company email is not accepted e.g., [email protected])

Alternatively, you can complete the b.Digital Business Amendment Form and submit the form(s) directly to Baiduri Digital Hub, Ground Level, Baiduri Bank Headquarters.

Every user will receive a notification email at their registered email address, once they have been migrated and activated on the b.Digital Business service.

Companies who have not moved to b.Digital Business after 31 October 2023 can re-apply as a new subscriber to the b.Digital Business service. This will require additional documentations to be submitted as part of the application. Refer “Required Documents” here.

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