Mr.Raymond Or is a easy-going man. He tried to make everybody relaxed at the news conference. Through his eyes, you can feel he is a man of his word.

Q1. What kind of advantage does Hang Seng have over other Hong Kong banks in Beijing. Who is the bank's targeted client?

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Q2. HSBC is the largest shareholder of Hang Seng bank, so would the two banks step over each other in terms of business in Beijing, and how have the two banks sorted out their relation in business of banking?

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Q3. Do you see that you have advantage in providing banking service to Hong Kong and Macao residents, a specific community of clients, compared to other foreign banks because they don't have this edge, and this is restricted to foreign currency business in China at the moment, after the Renminbi business is opened to all banks, no matter it is foreign banks or Hong Kong-based banks, what strategy will you take to keep your edge?

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Q4. You work for HSBC and Hang Seng Bank for so many years, how do you feel doing banking business in Hong Kong and in the Mainland? What is the difference do you think?

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Q5. Can you summary your own personality for the whole Hong Kong businessmen, especially bankers in doing business in Chinese mainland? And what is in Common?

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