Key business units

Retail banking

Also known as consumer or personal banking, this is about providing financial services to individuals. Some banks include services to SMEs in retail banking to serve the personal and business needs of SME owners in a more integrated way.

Examples of services:
  • Hong Kong dollar and foreign currency deposits
  • Credit cards
  • Personal loans
  • Overdrafts
  • Residential mortgage loans
  • Retail wealth management, e.g. securities trading and investment funds
  • Insurance products, e.g. life insurance and Mandatory Provident Fund

Corporate banking

Commercial and investment banking come under the category of corporate banking. The customers can be companies of any size, as well as other financial institutions. Corporate banking is usually structured along:
(1) product group and asset class, and
(2) customer coverage groups.

Examples of services:
  • Syndicated loans
  • Project financing
  • Transaction products, e.g. trade finance, liquidity management
  • Working capital loans
  • Bond and equities underwriting
  • Corporate finance, e.g. advisory
  • Treasury and sales
  • Asset and liability management

Private banking

Also called private wealth management, private banking provides one-stop wealth management solutions to high-net-worth individuals by designating relationship managers to handle their high incomes and sizeable assets.

Examples of services:
  • Retirement financial planning, estate planning, trust
  • Investment advisory and execution
  • Wealth management, e.g. insurance and foreign currency management
  • Financial management of family offices
  • Tax advisory services
  • Basic concierge-type services
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Retail banking
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Corporate banking
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Private banking
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