Product Pricing Catalog

Where each product is published, how it is taxed, what risk it carries, who it may not be sold to, and what it is called in each market.

Bulk setup

These rows are owned by the Product module and read by pricing. Two boundaries from that spec's assumption register shape what is here: the Tax Engine owns tax rates and only reads our classification (A-02), and the Risk module is the authoritative upstream for risk values even though the rows live here (A-03). Restrictions are enforced at publication and surfaced to the deal flow — assumption A-05 is explicit that they are not a hard block inside the pricing calculation.

Entities

F-A-06 — the jurisdictions a product can be published into

Entity	Country	Default locale	Currency	Products live
UOB Korea (rep. office)	KR	ko-KR	USD	none — deals here fall back elsewhere
UOB Singapore	SG	en-SG	SGD	4
UOB Thailand	TH	th-TH	THB	1
UOB Vietnam	VN	vi-VN	VND	8

Account Maintenance (VN)CASHhome VN

PRD-ACCT-VN · per account/month · from SRC-CBS

Availability (F-A-06)

Entity	Launch	Status
UOB Vietnam	01 Jan 2022	active

Tax classification (F-C-01 / F-C-02)

Entity	Treatment	Category	Reverse charge
VN	taxable	VN_VAT	—

Risk profile (F-D-01, ingested from Risk)

Risk class: LOW (R1)
Basel asset class: non credit
Capital treatment: na
Expected loss: no credit exposure
AML rating: LOW

Restrictions & suitability (F-D-03 / F-D-04)

None configured.

Localized names (F-E-05)

vi-VN Phí duy trì tài khoản (VN)

Cash Pooling (SG)CASHhome SG

PRD-POOL-SG · per month · from SRC-CASHMGMT

Availability (F-A-06)

Entity	Launch	Status
UOB Singapore	01 Jan 2021	active

Tax classification (F-C-01 / F-C-02)

Entity	Treatment	Category	Reverse charge
SG	taxable	SG_GST	—

Risk profile (F-D-01, ingested from Risk)

Risk class: MODERATE (R3)
Basel asset class: non credit
Capital treatment: na
Expected loss: no credit exposure
AML rating: LOW

Restrictions & suitability (F-D-03 / F-D-04)

Segment	Suitability
Large Corporate	target
Mid Corporate	out of target

Outward TT Transfer (SG)CASHhome SG

PRD-TT-SG · per transaction · from SRC-PAYHUB

Availability (F-A-06)

Entity	Launch	Status
UOB Singapore	01 Jun 2023	active
UOB Vietnam	01 Jul 2025	active

Tax classification (F-C-01 / F-C-02)

Entity	Treatment	Category	Reverse charge
SG	taxable	SG_GST	—

Risk profile (F-D-01, ingested from Risk)

Risk class: LOW (R2)
Basel asset class: non credit
Capital treatment: na
Expected loss: no credit exposure
AML rating: LOW

Restrictions & suitability (F-D-03 / F-D-04)

None configured.

Outward TT Transfer (VN)CASHhome VN

PRD-TT-VN · per transaction · from SRC-PAYHUB

Availability (F-A-06)

Entity	Launch	Status
UOB Vietnam	01 Jan 2024	active

Tax classification (F-C-01 / F-C-02)

Entity	Treatment	Category	Reverse charge
VN	taxable	VN_VAT	—

Risk profile (F-D-01, ingested from Risk)

Risk class: LOW (R2)
Basel asset class: non credit
Capital treatment: na
Expected loss: no credit exposure
AML rating: LOW

Restrictions & suitability (F-D-03 / F-D-04)

Segment	Suitability
FDI Manufacturers (VN)	target
Large Corporate	target
Mid Corporate	acceptable

Localized names (F-E-05)

vi-VN Chuyển tiền quốc tế đi (VN)

Payroll Processing (VN)CASHhome VN

PRD-PAYROLL-VN · per employee · from SRC-PAYHUB

Availability (F-A-06)

Entity	Launch	Status
UOB Vietnam	01 Mar 2023	active

Tax classification (F-C-01 / F-C-02)

Entity	Treatment	Category	Reverse charge
VN	taxable	VN_VAT	—

Risk profile (F-D-01, ingested from Risk)

Risk class: LOW (R1)
Basel asset class: non credit
Capital treatment: na
Expected loss: no credit exposure
AML rating: LOW

Restrictions & suitability (F-D-03 / F-D-04)

None configured.

Localized names (F-E-05)

vi-VN Dịch vụ chi lương (VN)

Term Deposit (SG)CASHhome SG

PRD-TD-SG · % p.a. on balance · from SRC-CBS

Availability (F-A-06)

Entity	Launch	Status
UOB Singapore	01 Nov 2022	active

Tax classification (F-C-01 / F-C-02)

Entity	Treatment	Category	Reverse charge
SG	exempt	NONE	—

Risk profile (F-D-01, ingested from Risk)

Risk class: LOW (R1)
Basel asset class: non credit
Capital treatment: na
Expected loss: no credit exposure
AML rating: LOW

Restrictions & suitability (F-D-03 / F-D-04)

None configured.

Virtual Account Collections (VN)CASHhome VN

PRD-VA-VN · per collection · from SRC-CASHMGMT

Availability (F-A-06)

Entity	Launch	Status
UOB Singapore	01 Jan 2027	pending launch
UOB Vietnam	01 Sept 2024	active

Tax classification (F-C-01 / F-C-02)

Entity	Treatment	Category	Reverse charge
VN	taxable	VN_VAT	—

Risk profile (F-D-01, ingested from Risk)

Risk class: LOW (R2)
Basel asset class: non credit
Capital treatment: na
Expected loss: no credit exposure
AML rating: MEDIUM

Restrictions & suitability (F-D-03 / F-D-04)

None configured.

Localized names (F-E-05)

vi-VN Thu hộ qua tài khoản ảo (VN)

FX Spot Conversion (SG)GMhome SGhas a prohibition

PRD-FXSPOT-SG · bps on notional · from SRC-TREASURY

Availability (F-A-06)

Entity	Launch	Status
UOB Singapore	01 Jan 2020	active

Tax classification (F-C-01 / F-C-02)

Entity	Treatment	Category	Reverse charge
SG	zero rated	SG_GST	—

Risk profile (F-D-01, ingested from Risk)

Risk class: MODERATE (R3)
Basel asset class: non credit
Capital treatment: na · 1%
Expected loss: no credit exposure
AML rating: MEDIUM

Restrictions & suitability (F-D-03 / F-D-04)

prohibitedmarket VN

SG FX spot may not be sold into the VN market — local licensing.

Working Capital Loan (VN)LOANhome VN

PRD-WCLOAN-VN · % p.a. on drawn · from SRC-LOAN

Availability (F-A-06)

Entity	Launch	Status
UOB Vietnam	01 Apr 2024	active

Tax classification (F-C-01 / F-C-02)

Entity	Treatment	Category	Reverse charge
VN	wht applicable	VN_FCT	yes

Risk profile (F-D-01, ingested from Risk)

Risk class: ELEVATED (R5)
Basel asset class: corporate
Capital treatment: irb foundation · 8%
Expected loss: 45 bps
AML rating: MEDIUM

This band is what Profit per Account's ECL component consumes. Capital consumption is stored but unused — it is the input RAROC would need, and RAROC is out of scope here.

Restrictions & suitability (F-D-03 / F-D-04)

restrictedsegment SEG-MID-CORP

Working capital lending to mid corporates needs a credit committee sign-off before pricing.

Segment	Suitability
FDI Manufacturers (VN)	target
Mid Corporate	out of target

Localized names (F-E-05)

vi-VN Cho vay vốn lưu động (VN)

Bank Guarantee Issuance (VN)TRADEhome VN

PRD-GUAR-VN · % p.a. · from SRC-TRADE

Availability (F-A-06)

Entity	Launch	Status
UOB Vietnam	01 Aug 2023	active

Tax classification (F-C-01 / F-C-02)

Entity	Treatment	Category	Reverse charge
VN	exempt	NONE	—

Risk profile (F-D-01, ingested from Risk)

Risk class: ELEVATED (R5)
Basel asset class: off balance sheet
Capital treatment: standardised · 6%
Expected loss: 30 bps
AML rating: HIGH

This band is what Profit per Account's ECL component consumes. Capital consumption is stored but unused — it is the input RAROC would need, and RAROC is out of scope here.

Restrictions & suitability (F-D-03 / F-D-04)

restrictedsegment SEG-MID-CORP

Guarantee issuance above the standard limit requires enhanced due diligence.

Localized names (F-E-05)

vi-VN Phát hành bảo lãnh ngân hàng (VN)

Import LC Issuance (TH)TRADEhome TH

PRD-LC-TH · % of LC value · from SRC-TRADE

Availability (F-A-06)

Entity	Launch	Status
UOB Thailand	01 Feb 2023	active

Tax classification (F-C-01 / F-C-02)

Entity	Treatment	Category	Reverse charge
TH	taxable	TH_VAT	—

Risk profile (F-D-01, ingested from Risk)

Risk class: MODERATE (R4)
Basel asset class: off balance sheet
Capital treatment: standardised · 4%
Expected loss: 22 bps
AML rating: MEDIUM

This band is what Profit per Account's ECL component consumes. Capital consumption is stored but unused — it is the input RAROC would need, and RAROC is out of scope here.

Restrictions & suitability (F-D-03 / F-D-04)

None configured.

Localized names (F-E-05)

th-TH การออกเลตเตอร์ออฟเครดิตนำเข้า (TH)

Import LC Issuance (VN)TRADEhome VN

PRD-LC-VN · % of LC value · from SRC-TRADE

Availability (F-A-06)

Entity	Launch	Status
UOB Vietnam	01 May 2022	active

Tax classification (F-C-01 / F-C-02)

Entity	Treatment	Category	Reverse charge
VN	exempt	NONE	—

Risk profile (F-D-01, ingested from Risk)

Risk class: MODERATE (R4)
Basel asset class: off balance sheet
Capital treatment: standardised · 4%
Expected loss: 18 bps
AML rating: MEDIUM

This band is what Profit per Account's ECL component consumes. Capital consumption is stored but unused — it is the input RAROC would need, and RAROC is out of scope here.

Restrictions & suitability (F-D-03 / F-D-04)

None configured.

Localized names (F-E-05)

vi-VN Phát hành L/C nhập khẩu (VN)