Tai Sang Bank

Bank Basic InformationTai

Sang Bank is a licensed commercial bank in Hong Kong, founded in 1947 and headquartered in Des Voeux Road Central, Central, Hong Kong. As a family-controlled financial institution, the main shareholders are the Ma family (78.5%) and a small number of institutional investors. The bank is unlisted and focuses on corporate banking services in Hong Kong and the Greater Bay Area.

Scope of ServicesRegional

Service Network:

• Hong Kong: 5 branches (Central, Mong Kok, Kwun Tong and other core business districts)

• Greater Bay Area: Shenzhen Qianhai set up a representative office

• ATM Services: JETCO Network Sharing

• Key Services for Hong Kong SMEs and Cross-border Trade CustomersSupervision

and Compliance

• is fully regulated by the Hong Kong Monetary Authority (HKMA).

• Participation in the Hong Kong Deposit Protection Scheme (up to HK$500,000)

• 2023 HKMA compliance check rating of "satisfactory"

• Strict implementation of Hong Kong's Banking Ordinance and anti-money laundering requirements

for financial health

in 2023:

• total asset size: HK$32.8 billionCapital

• adequacy ratio: 18.7%

• Non-performing loan ratio: 1.2%

• Liquidity coverage ratio: 156

• %. Net Interest Margin: 2.3%

Deposit & Loan Products

Deposit Services:

• "Business Deposit": 0.8% of corporate demand deposit interest rate

• : 12-month fixed interest rate of 4.2%

• "Large Certificate of Deposit": from HK$1 million, 4.5% p.a

Loan products:

• "Business Connect": SME credit interest rate from 5.8% p.a

• "Property Loan": Commercial Building Mortgage Interest Rate HIBOR+1.5

• %"Import and Export Financing": List

  of
Common Fees for Preferential

• monthly fee for corporate account: HK$200

• Local transfer: HK$15/transaction

• Cross-border remittance: 0.1% (minimum HK$100)

• Cheque book: HK$150 per bookNo

• account minimum balance requiredDigital

service experience

• Corporate Online Banking System Score 4.2 (2024 User Survey)

• Core Features:

  "

  • Electronic Trade Document Processing"

  • "Multi-level approval process

  • ", "cash flow forecasting tool

  • ", "foreign exchange risk hedging", customer

service quality

• Cantonese/English/Mandarin Specialist

• ServiceDedicated Manager for Corporate CustomersAverage

• time for complaint handling: 2 working daysBranch

• business hours extended to Saturday morning

Security measures

• using hardware token + SMS OTP two-factor authentication

,

• enterprise-level firewall and intrusion detection system

• have passed ISO 27001 information security management certification

• Quarterly Independent Security Audit

Featured Services and Differentiated

• "Family Office": Wealth Management for Ultra-High Net Worth Customers

• "Greater Bay Area Remittance: China-Hong Kong cross-border cash pooling services

• Tradelink: One-stop financing solution for imports and

• exportsStartup Empowerment Programme: Account fee waiver for the first yearMarket

position and accolades

• Ranked 9th most used by SMEs in Hong Kong (HKIB Survey 2024),

awarded

• "Best SME Bank" by The Asset Magazine, and

the

• Chinese General Chamber of Commerce's Strategic Partner Bank

• has been certified as "SME Financing Partner" by the HKMA for five consecutive years