Optimize the secretarial management and administrative effectiveness.

Strengthen credit information management framework and risk control.

Manage and optimize the credit system, monitoring and assurance tools for internal and external audits in accordance with the regulatory requirements and the Bank's compliance policies.

Manage sales and service-related processes, operating platform and the application system, develop guidelines in accordance with regulatory requirements and the Bank's policies.

Manage and monitor the prevention of fraud at frontline, and guide frontline to respond to fraud cases.

Establish control assurance measures and tools to ensure compliance with internal and external requirements of Personal Banking business.

Support business units as the first line of defence to establish proper risk management strategies and plans in accordance with the Bank's policies and procedures, provide comprehensive credit risk management for Personal Banking customers, enhance internal risk control management, anti-fraud management, service support, financial analysis, promote sound risk culture through proper management structure, implement comprehensive and effective risk control function over end-to-end process. In addition, set up Safety and Security function to provide security support to frontline management.

Supervise the execution and reporting of AML risk management of business units. Ensure proper implementation of AML measures and controls.

Supervise the centralized AML customer on-boarding & review processes (periodic/trigger event/negative information reviews, etc.)

Personal Banking and Wealth Management Department aims to enhance our sales & services to the target customer segments by formulating effective business strategies, strategic marketing plan, sales management strategic plans and performing comprehensive customer behavior analysis. With our professional capabilities in customer segmentation and wealth management, we continuously enhance our retail operation infrastructure to ensure efficient delivery of professional and quality banking services for enriching customer service experience, customer satisfaction and loyalty.

Develop and improve the Personal Banking infrastructure construction of Cross-Border and Southeast Asia business, Local Segment, Small Enterprise Management and actively achieve the expected market share and business targets for maximizing business profits.

Develop sales incentives and business target distribution mechanisms, channel productivity models, monitor and analyze channel performance, implement business strategy, proposition and tactical plan, and propose optimization solutions to achieve network optimization and enhance sales effectiveness.

Offer a full range of wealth management and financial services to personal and small enterprises customers. With extensive branch network, automated banking facilities, global network and reliable online and omni-channel platforms, we provide customers with flexible and convenient service channels that best meet their needs anytime anywhere.

Personal Digital Banking Product Department plays the role of “Excellent Product Center”, manages product design and innovation, strengthens professional management, and optimizes product processes in combination with customer needs. Establish project management functions and promote cross-unit project development through agile cooperation. Consolidate e-banking functions and promote digital drives.

Be responsible for managing and developing retail banking products and services such as Securities, Insurance, Funds, Deposits, Mortgage, Personal Loans and Small Enterprise Loans. Organize, promote and manage the implementation plan, formulate business strategies and service models, and provide professional advice on related products to achieve the Bank's business objectives.

Private Banking consists of a team of investment advisors, product specialists and customer relationship professionals to provide all-round and tailored wealth management solutions to high net worth customers. These include investment and fiduciary services, alternative investment options, estate planning, as well as personal and corporate banking services to help customers maximize their wealth and fulfill their personal, family and business financial goals.

BOC Credit Card (International) Limited (BOCCC) is a wholly-owned subsidiary of BOCHK. All Credit Cards issued by BOCCC are collectively called BOC Credit Cards.

BOCCC provides customers with a wide variety of Credit Card products including VISA, Mastercard and UnionPay personal cards, co-branded cards and business/corporate cards to fulfil customers’needs. We also provide comprehensive payment methods, no matter traditional, contactless or mobile payments, in which the BoC Pay App allows local and cross-border spending, transfers and bill payments while BoC Bill Integrated Billing Service supports mainstream physical Credit Card payments, QR code payments, FPS and various contactless payments for merchants. BOCCC will continuously offer all-rounded services from Credit Card and e-payment to integrated billing services, enhancing customer experience.

Global Corporate Banking Department is responsible for sales, servicing and relationship management for trans-regional, blue-chip companies and other large corporations, and also the setup for corresponding marketing strategies, business processes and servicing models; coordinate and devise a full range of cross-product and cross-platform solutions to meet the diverse financial needs of  corporate customers; overall management of syndication DCM, M&A products for entire Corporate Banking, establishing the capacity for offering cross-platform financing solutions, including syndicated loans, structured financing, investment banking, and consultative services; responsible for development strategies, business roadmaps and annual business plans; developing overall management of sustainable finance development, industry classification, planning & analysis for entire Corporate Banking, by industry development planning, industry trend research, and collaborating with other front-line departments.

The Commercial Banking Department is committed to serving corporate clients of various scales, ranging from SMEs, mid-cap companies to large corporations. While the department is persistently engaged in penetrating deeply into the local market, we focus on expanding our capacity in neighborhood regions, particularly the Greater Bay Area and Southeast Asia, exerting our expertise into full play by implementing  industry-specific management and strategies. With the bank's aims at providing excellent services, the Commercial Banking Department endeavors to deliver total solutions with innovative products and services,  including but not limited to loans, cash management, trade finance products, payroll services and cross-border services. We also collaborate with insurance companies and investment banks as partnership to offer our customers with comprehensive and elite financial services.  In addition, the Commercial Banking Department perseveres to optimize our support to customers by launching integrated digitalization and online financial services, such as online collection, ERP, and BOC Connect services,  to further enhance customer experience, creating values to foster their development, striving to be the core bank of our customers.

Institutional Business Department takes up responsibilities in prospecting and maintaining constructive business relationship with local and global financial institutions. We drive to provide seamless solution to full range of clients in the segment, including banks, central banks, sovereign funds, supranational organizations, non-bank financial institutions, government agencies, non-governmental organizations, hospitals and education institutions, etc.

Delivering integrated financial product and services with our professional competence and dedication, we aim to achieve continuous growth in revenue and customer portfolio via active and effective identification of client needs, market and regulatory trends.

Our Relationship Managers partner with product teams, channel and various internal stakeholders to implement business strategies and tailor-made services to institutional customers, on top of the track record of RMB services capabilities and comprehensive product offerings in loans, trade finance, treasury, liquidity management, custody and so forth.

In aligning with our Bank’s strategic goals, Institutional Business Department proactively manages and enhances infrastructure for cross-border and Southeast Asia institutional clients via close interaction with the Group members, subsidiaries and branches in the region to optimize business opportunities.

Transaction Banking Department (TBD) is responsible for providing standard and tailor-made transaction banking products to corporate clients and financial institutions. We devote to product management, innovation, development, marketing, as well as formulation of business strategies to meet the increasingly sophisticated customer needs amid the fast-changing business environment.

In order to solidify our foundation for the sustainable development of our corporate banking business, we are constantly upgrading the intelligent  Global Transaction  Banking  Platform (iGTB) and exploring collaborative business model with our clients.

Transaction Banking Department (TBD) plays an important role in capturing opportunities arising from national initiatives such as The Belt and Road, Going Global Strategy and RMB Internationalization. We promote the brand of Best Regional Transaction Bank while connecting BOC Group's global network and diversified platforms with the aim of providing the best cross-border banking services in the market.

Corporate Credit Management Centre ("CCMC") is responsible for services delivery, credit risk management , compliance and operation risk management for Corporate Banking (Global Corporate Banking, Commercial Banking, Institutional Business, Transaction Banking as well as Custody and Trust Services). We deliver includingclient on-boarding and account maintenance services,  commercial and syndication loan documentation and syndication agency services to enhance service delivery workflow and perform financial analysis,  credit approval and monitoring,  credit system management ; compliance, operational risk and anti-money laudering management credit system management ; compliance, operational risk and anti-money laudering management to enhance the overall efficiency of Corporate Banking and safeguard the quality of the Corporate Banking's loan asset portfolio.

CCMC also formulates credit management mechanisms and operational guidelines to establish a comprehensive credit monitoring system and ensures the services offered by relationship managers in accordance with the regulatory requirements. 

To facilitate the cross-border investment flows of corporate and institutional clients and to better serve their investment-related needs globally, BOCHK started offering custody products and services since late 2006 and has now become a prime service provider among its Chinese competitors. Currently, its products include domestic custody, global custody, fund-related services, escrow services and other customised solutions for institutional investors, insurers, asset managers, licensed intermediaries, various types of funds and pensions, and sovereign entities. It is also a major service provider for various cross-border investment programs such as Bond Connect, Stock Connect, QFII, RQFII, QDII and mutual recognition of fund regimes.

Starting from July 2019, the department has also embarked on the provision of agency and trust services to corporate issuers for their debt instruments.

The specialty of Custody & Trust Services spans over strategic positioning, product manufacturing, technical sales, implementation, service delivery, product P/L, reporting, client servicing and product risk management etc under the relevant regulatory regimes.  It offers end-to-end servicing experience to clients and also all-round exposure to staff members. 

Global Markets is responsible for the bank's Trading Book treasury activities, offering treasury products and services across different  asset classes to clients of the Bank. We offer investment and hedging products / treasury services to personal, corporate, institutional and sovereign clients through the Bank's distribution network and our in-house treasury marketing team. Our trading desks trade different kinds of financial instruments, including foreign exchange, interest rates, securities and derivatives. We are one of the active market makers in the HKD and offshore RMB markets.

The key functions of Investment Management are (i) to conduct short-term cash flow and liquidity management for BOCHK through inter-bank money market transactions and (ii) to manage the investment portfolio by way of investing in longer-term capital market instruments, primarily debt securities.

BOCHK is one of the leading participants in the inter-bank market in Hong Kong. While Investment Management holds sufficient cash and short-term assets for liquidity purpose, the Bank participates in money market operations to achieve a reasonable return on its liquid assets. Throughout our investment processes, Investment Management ensures that all internal risk management and external regulatory requirements are complied.

Investment Management also invests in longer-term securities issued by governments, central banks, public sector entities, financial institutions and corporates etc., denominated in different currencies.  The objective of capital market operations is to provide the Bank with stable interest income and to enhance the return on the Bank's residual fund.

Established in 2010, BOCHK Asset Management Limited (“BOCHK AM”) is a wholly-owned subsidiary of BOC Hong Kong (Holdings) Limited. BOCHK AM is committed to providing  investors with a wide array of Fixed income, Equity and Alternative Investment products such as private equity and real estate investments, coupled with comprehensive investment solutions that best suit their risk tolerance and return requirements. In addition,  BOCHK AM also manages investment funds for professional investors and customizes discretionary investment portfolios tailored to clients’ needs, helping to maximise their potential returns

Financial Markets Management (FMM) is responsible for the overall management of the Financial Markets Business Unit (covering the regional headquarters and Global Markets Dept/Teams in SEA entities).  Our main functions include Product and System Management, Credit Management, and Business and Financial Management. The Product and System Management Team is responsible for monitoring front office systems, implementing financial market related projects, maintaining financial market data, and providing OTC derivatives clearing solutions. It also conducts CSA collateral management and product due diligence on the Bank’s financial market products to ensure compliance with regulatory requirements. The Credit Management Team prepares credit proposals, anti-money laundering (AML) on-boarding compliance check and undertakes negotiation of legal documents with external counterparties. Business and Financial Management Team acts as a central unit for Financial Markets in the areas of resource planning and management, and acts as project manager for cross-departmental collaborations.

Treasury acts as the Bank of a Bank and is mandated with two main duties: Funding Pool Management and Fund Transfer Pricing. Our key functions include managing the funding pool's interest rate and liquidity risks, developing the funding strategies, working closely with Investment Management to develop the group's ASEAN funding pool platform, coordinating and providing guidance to business units to achieve the ALCO's directives and targets, and managing the internal funds transfer pricing strategies to signal market interest rates movement as well as the Bank's overall liquidity preference.

Legal & Compliance and Operational Risk Management Department ("LCO") is responsible for managing legal, compliance, operational and reputation risks. 

LCO's major functions include providing legal and regulatory compliance advice, performing compliance reviews and monitoring and acting as the 2nd line of defence for managing the group's legal, compliance, reputational and operational risks (including technology risk). LCO also performs new product due diligence on the above-mentioned risks and issues policies and procedures for the management of the said risks.  In addition, LCO is required to manage customers' complaints which involve a regulatory perspective. LCO compiles various ad-hoc and regular reports covering legal, compliance, reputational and operational risk perspectives for the Bank's senior management and board level committees as well as regulators. To enhance the risk awareness  and knowledge of the Bank's staff, LCO also provides training and guidance for them .

The BOCHK attaches utmost importance to safeguarding the Bank from money laundering and terrorist financing (“ML/TF”) risks, which is one of the imperative compliance requirements in fostering our business strategies and operations.

Financial Crime Compliance Department ("FCC"), has the principal function to support the senior management in ensuring effective oversight and controls of the Bank's ML/TF risks and other relevant financial crimes.  FCC has the full responsibilities of putting in place a robust risk control framework which includes the establishment and review of AML/CFT policies and procedures, risk modeling, provision of training, and regular reporting of key ML/TF and financial crime issues to senior management for the purposes of prevention and management of ML/TF risks and financial crimes.  FCC also provides full support to the senior management in ensuring that the overseas branches and subsidiaries undertakings have corresponding AML/CFT policies and procedures in place so as to comply with the relevant legal and regulatory requirements.

Economics & Strategic Planning Department/HK Financial Research Institute of BOC is a centralized unit responsible for strategic planning & development, macroeconomics and global financial market research, merger & acquisition strategy, offshore RMB development as well as the development and integration of Southeast Asia.

The Department also assists senior management in strategy implementation and monitoring, conducts business and market analysis, coordinates RMB business development, formulates regional development strategy, establishes business platforms, develops ESG and digital strategy of the BOCHK Group to achieve its visions and strategic target.

Financial Management Department acts as one of the core functional teams in support of the management to implement the group's strategy plan, and ensure the growth and profit are delivered underpinned by sustainable business development platform. It is responsible for:

(i) conducting financial analysis, budget planning, monitoring and controlling;

(ii) coordinating performance evaluation and providing financial information as well as recommendations to facilitate the management’s business decision-making, progress monitoring and management control;

(iii) conducting financial feasibility study for major projects and providing financial advisory services to accomplish the goal of enhancing operational efficiency and profitability;

(iv) supporting ALCO in providing direction on and monitoring of the group's balance sheet composition and capital (including Economic Capital).

General Accounting and Accounting Policy Department consists of a team of professionals to provide major accounting functions for the Group including financial accounting, regulatory reporting, financial disclosure and product control.

General Accounting and Accounting Policy Department formulates the Group's accounting policies, procedures and workflows to ensure the compliance of relevant legislations and accounting standards.  We are responsible for preparing and delivering regulatory returns in a timely and accurate manner with strict compliance to relevant regulatory requirements.  Another important role of the department is to organise financial disclosure matters in accordance with relevant regulatory requirements.  We also perform product control over treasury products and conduct accounting valuation, independent price verification and perform internal control and attribution analysis about accounting valuation to ensure results being reasonable and in compliance with regulatory requirements, coordinate the information technology sytsem request and UAT of various business system that may hit accounting standard.  Beside, as the headquarter, we also coordinate accounting management and services for SEA entities, take the lead in coordinating SEA entities' requirements of local regulatory reports and internal management reports as well as promote SEA entities' report automation.

Independent of business units, Risk Management Department is responsible for daily management of the Group’s  credit risk, market risk, interest rate risk, liquidity risk and special assets.

Risk Management Department takes the responsibility for drafting, reviewing and updating risk management policies and procedures, and providing an independent due diligence of risk identification, measurement, monitoring and control to ensure an effective check and balance.

The Information Technology (IT) Department of Bank of China (Hong Kong) Limited (BOCHK) comprises of five domains, including Application Development, Data Center, Data Management, Technology & Service Management and Technology Risk Management. We govern and manage all IT related initiatives and risks covering the entire group, including BOCHK, Southeast Asian entities of BOCHK, Asian and Pacific Data Center of  Bank of China, and affiliated organizations and subsidiaries within the BOCHK Group. 

As a strategic partner for various business and supporting units, IT Department aims at supporting and enabling business opportunities by enhancing our systems and improving the efficiency of our operations. Other than technical knowledge, business knowledge is also the key to success. Our dedicated information technology experts, including business analysts in different business domain, work closely with business users to make sure that customers can enjoy a wide range of sophisticated products and outstanding services through our platforms and channels at anytime and anywhere. At the same time, efficient, stable and reliable IT service is provided for our business operations in local, regional, and global countries.

As the centralized IT governance unit for the group, we are responsible for the group's IT governance and related policies. On one hand, we work closely with various business units and implement IT projects to cope with the bank's business development strategy. On the other hand, we have strong collaboration with risk management and compliance to make sure that adequate technology risk control and management oversight is in place.

Innovation and Optimization Centre, a high-performing team with top-notch individuals and experienced pioneers, is committed to continuously drive business innovations and transformations among the Group. Acting as a crucial department in support of Group’s digital transformation planning and implementation, it takes the lead to push forward the innovation strategies of the Group, specifically for Hong Kong, Greater Bay Area and Southeast Asia.

Innovation and Optimization Centre works closely with the top management team to formulate concrete cross-departmental and cross-regional strategies, develop long-term roadmap, conduct in-depth market research and analysis on global innovation topics, etc.

In the face of rapidly evolving changes, Innovation and Optimization Centre sets apart from adopting established business processes and taking a great leap forward to adopt "Agile and Design Thinking" in various strategic innovation projects, paving the way for the long-term success of the Group.

Bank-wide Operation Department is in charge of a variety of centralisation / operational activities, including processing of loans, cheques and information, international payment, financial markets operations, vault management, group customer, integrated banking services, customer due diligence, trade, RMB clearing services and Southeast Asia Operations Management. It acts as an important central point to coordinate and arrange different bank products / services offered to customers. We strive to improve the efficiency and quality of cross-border services and centralise the Bank's various operations by means of advanced management methodologies and information technology, organisation integration, as well as process and system enhancement. We also implement sound measures to control risks and reduce costs, with an aim to enhance the Bank's overall competitiveness and customer satisfaction.

Corporate Services Department provides comprehensive and reliable logistic support which is comprised of property management, leasing management, general administrative and logistic function, supplies and services procurement as well as security services of BOCHK Group.

Chief Executive's Office consists of five divisions, namely Secretariat Division, Corporate Communications Division, Band and Marketing Division, Document Management Division and New Media and Communications.

Secretariat Division provides decision-making support and services to the Senior Management of the Group, and coordinates and monitors the implementation of work requirements laid down by the Senior Management. Corporate Communications Division is responsible for formulating and implementing corporate communications and media relations strategies. Brand and Marketing Division is responsible for formulating and implementing the brand strategy and overseeing the marketing initiatives of the Group. Document Management Division is responsible for managing and archiving documents for the Group,while ensuring the circulation of all documents and information is secure, proper and efficient. New Media and Communications manages the Group's video channel on social-media platform, and facilitates internal communications including those with Parent Bank via internal publications.

Board Secretariat reports directly to the Board of Directors (“Board”) and assists the Board in ensuring that the Bank has a strong framework of corporate governance in place. Board Secretariat serves as a communication channel linking the Board, Board Committees, Chief Executive, Senior Management, departments directly under Board supervision as well as the regulators and the investment community.

Board Secretariat provides full support to the Board, proactively manages the agenda for Board meetings and assists in collecting and arranging information, reports and materials for submission to the Board for its oversight and monitoring of the operation and business activities of the Bank. It is responsible to promote and maintain effective communication among the Board, Board Committees, Chief Executive, Senior Management and the regulators. As coordinator and enforcer of Board decisions, it pays close attention to the Board decisions and timely follow-up on the implementation of the Board resolutions. It is also responsible for assisting the Board and the Bank to comply with applicable rules and regulations including corporate governance codes, bank rules and policies, company laws, relevant securities laws, listing rules and other regulatory requirements and obligations.

While adopting an open and proactive approach in communication with the investment community to enhance transparency, Board Secretariat is committed to ensure that corporate information is disclosed in a fair and equal manner, giving no privilege to any specific analyst or investor.

Talents are the most valuable asset and the key to the success of the BOCHK Group. We treasure high-caliber individuals and our human resources functions are designed strategically to achieve the Group's vision and our sustainable growth.

Human Resources Department strives to serve as a trusted partner to our business units and provides innovative and people-oriented solutions in recruitment, compensation and benefits, learning and development and talent management. We offer a collaborative and respectful workplace, rewarding and diverse career opportunities to attract and retain our talents.

Be part of the winning team to grow and succeed with us!

As the third line of defence of the three-line governance framework, Group Audit is responsible for independently and objectively examining and evaluating the BOCHK Group's operations and activities to assist the Board of Directors or its designated Audit Committee and the Management in discharging their responsibilities effectively. Group Audit is responsible for the oversight of all major risks, ensuring that the risk management systems regarding tactics, policies, procedures and internal controls are well implemented. On top of performing the assurance function, Group Audit also provides analyses and recommendations regarding the Bank's organisational structure and effectiveness and efficiency of the operational units.

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