1. Recommendation new Supreme Gold Centres total of 90 branches and 51 Supreme Gold Centres

2. Recommendation Hong Kong Monetary Authority("HKMA") selling of investment products all local branches

3. Recommendation a mystery shopper programme monitor staff compliance regulatory rules and guidelines on the sale

4. Conclusion HSBC (HSBC HK) Standard Chartered Bank (SCB HK) Hang Seng Bank (HSB) Bank of China (BOCHK)

5. Conclusion HSBC (HSBC HK) a London-based banking and financial services organization 33.2% market share in Hong Kong terms of deposits.

6. Conclusion Standard Chartered Bank (SCB HK) a bank and financial holding company Hong Kong market share in terms of deposits is 7.9%.

7. Conclusion Hang Seng Bank (HSB) the second largest in Hong Kong with a majority of its equity interested a market share of 9.3% in Hong Kong.

8. Conclusion Bank of China (BOCHK) a joint-stock commercial bank market share of 13.2% in Hong Kong

9. Conclusion BEA (The Bank of East Asia) plan the market strategy to increase market share reduce the minimum deposit or increase the interest for deposit money