（i）Mortgage Insurance Program

（ii）Reverse Mortgage Program

（iii）Hong Kong Annuity Plan

（iv）Mandatory Provident Fund

（i）Off-site reviews

（ii）Meetings with shareholders

（iii）Tripartite Meeting with external auditors

（iv）Prudential meetings

（i）System risk

（ii）Legal risk

（iii）Operational risk

（iv）Exchange rate risk

（i）To improve the banking sector’s ability to absorb shocks arising from financial and economic stress

（ii）To improve risk management and governance and strengthen banks’ transparency and disclosures

（iii）To improve capital and liquidity risks in banking reform framework

（iv）To improve fund raising activities implemented by banks

（i）Stress test reform

（ii）Capital reform

（iii）System reform

（iv）Liquidity reform

（i）The Hong Kong Association of Banks

（ii）The Insurance Authority

（iii）The Mandatory Provident Fund Schemes Authority

（iv）The Securities and Futures Commission

（i）pass

（ii）Substandard

（iii）Special Mention

（iv）Doubtful or Loss

（i）The Hong Kong Institute of Bankers

（ii）The Hong Kong Association of Restricted License Banks and Deposit-taking Companies

（iii）The Hong Kong Association of Banks

（iv）The Hong Kong Monetary Authority

（i）Credit marketing

（ii）Financial trading

（iii）Wealth management advice

（iv）Transaction processing

（i）Credit operations

（ii）Loan operation

（iii）Ongoing account maintenance

（iv）Investment selling