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Asset Protection
Comprehensive Coverage
for Your Business and Employee
for Your Business and Employee
Over HK$10,800 welcome offer
upon successful SME application of
Business Integrated Account
upon successful SME application of
Business Integrated Account
Upon successful application of
Business Integrated Account, enjoy account application fee waiver (original HK$1,200) via online application, up to 2.8% savings deposit rate
and over HK$10,800 welcome offer**Terms and Conditions apply
Business Integrated Account, enjoy account application fee waiver (original HK$1,200) via online application, up to 2.8% savings deposit rate
and over HK$10,800 welcome offer**Terms and Conditions apply
Upon successful application of
Business Integrated Account, enjoy account application fee waiver (original HK$1,200) via online application, up to 2.8% savings deposit rate
and over HK$10,800 welcome offer**Terms and Conditions apply
Business Integrated Account, enjoy account application fee waiver (original HK$1,200) via online application, up to 2.8% savings deposit rate
and over HK$10,800 welcome offer**Terms and Conditions apply
All-round SME banking service
Support Various Operational Needs
Online enquiry for Insurance plan and MPF
Online enquiry for Insurance plan and MPF
Other Business Needs
Asset Protection Cases
Case 1: Key Person Business Liabilities Protection
Amy, Ben, and Candy are shareholders and directors of ABC Company. The bank values the professional expertise and reputation of Amy and Ben in the industry, and Candy used her private property as collateral to obtain a HK$3,000,000 operating capital loan from the bank. If Ben were to pass away, the bank would need to reconsider whether to lend the HK$2,000,000 prepared as funds for development.
Insurance Benefits:
- ‧ ABC has insured Ben for a coverage of HK$5,000,000 for the company's loan amount
- ‧ The company receives compensation from the insurance company
- ‧ The company can have sufficient funds to repay the loan and continue with development plans

Case 2 : Key Person Profit Protection
Ben is the business development director of ABC Company, bringing an average of HK$3,000,000 gross profit to the company every year. If Ben were to pass away, the company's existing and future sales and profits would be affected, and the company would need to incur additional expenses to hire another director with similar experience to Ben.
Insurance Benefits:
- ‧ ABC has insured Ben for a coverage of approximately HK$9,000,000 for Key Person Profit Protection (equivalent to 3 times the gross profit generated by the company in the past two years)
- ‧ The company receives compensation from the insurance company
- ‧ The company's economic losses are protected

Asset Protection Cases

Case 1: Key Person Business Liabilities Protection
Amy, Ben, and Candy are shareholders and directors of ABC Company. The bank values the professional expertise and reputation of Amy and Ben in the industry, and Candy used her private property as collateral to obtain a HK$3,000,000 operating capital loan from the bank. If Ben were to pass away, the bank would need to reconsider whether to lend the HK$2,000,000 prepared as funds for development.
Insurance Benefits:
- ‧ ABC has insured Ben for a coverage of HK$5,000,000 for the company's loan amount
- ‧ The company receives compensation from the insurance company
- ‧ The company can have sufficient funds to repay the loan and continue with development plans

Case 2 : Key Person Profit Protection
Ben is the business development director of ABC Company, bringing an average of HK$3,000,000 gross profit to the company every year. If Ben were to pass away, the company's existing and future sales and profits would be affected, and the company would need to incur additional expenses to hire another director with similar experience to Ben.
Insurance Benefits:
- ‧ ABC has insured Ben for a coverage of approximately HK$9,000,000 for Key Person Profit Protection (equivalent to 3 times the gross profit generated by the company in the past two years)
- ‧ The company receives compensation from the insurance company
- ‧ The company's economic losses are protected
Related Products & Promotional Offers
Useful Information
Reminder : To borrow or not to borrow? Borrow only if you can repay!
The above products, services and offers are subject to terms and conditions.
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Welcome offers over
HK$10,800