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HSBC In The News

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Gerald P A Sim
Telephone: + 673 2 252 463 Email : geraldpasim@hsbc.com.bn

All other enquiries Please call our hotline at 2 252 252

HSBC NEWS APRIL 2013

HSBC CUSTOMER WON "CHILL-OUT" PACKAGE

Wednesday, 24th April 2013

A lucky HSBC customer has won himself the "Capture Your Chill-outs" package from HSBC's current "Capture Your New Memories" promotion. Dr Muhammad Norizni Hj Mosli was announced as the March's Grand Winner, bringing home a Canon Eos M Camera, a luxurious Sofa Lounger and a 42' LED TV.

Mr Au Thien Kiong (L) with the March's Grand Winner for HSBC's current "Capture Your New Memories" promotion, Dr Muhammad Norizni Hj Mosli (R)

HSBC also gave away 2 sets of consolation prizes, a Canon Ixus Digital Camera, to Mr Venkata Murali Mohan Buddharaju and Md Khairul Zaman Hj A Said.

Presenting the prizes to all the winners was Mr Au Thien Kiong, Senior Hire Purchase Manager of HSBC Brunei.

Group photo of Mr Au Thien Kiong (Far Left) with the March winners and Andy Yong (Far Right), Area Manager of HSBC Brunei.

This is the second of the three (3) sets of monthly Grand prizes that HSBC is giving away throughout the "Capture Your New Memories" promotion period, currently running from 1 February until 30 April 2013. The first "Capture Your Adventure" set which consists of a Canon EOS M Camera, an air ticket to an ASEAN destination and Samsonite luggage has been given away to February winner. The third and final set, "Capture Your Family Fun Barbecue" set, is still open for cardholders who make transactions in April to stand the chance in winning the Canon EOS M camera, Broil King® BBQ Grill set and a garden table and chairs set.

Customers and members of the public are also invited to take part in an exciting photography competition which is running from 19 March until 30 April 2013. Those who are interested in participating should drop by to the Times Square Shopping Centre and take creative photos with the HSBC Red Frame. Photos are to be sent via email to hsbcmarketingbsb@hsbc.com.bn together with their name and contact number by 30 April 2013. The three best photos will win a brand new Canon digital camera each.

For more information on HSBC's campaigns and promotions, please visit www.hsbc.com.bn.

HSBC CAPTURES ITS CUSTOMERS' NEW MEMORIES

Wednesday, 3rd April 2013

Customers who make purchases with their HSBC Credit Card or Visa Debit Card between 1 February and 30 April 2013 are entitled to stand a chance of winning exciting prizes from HSBC's current "Capture Your New Memories" promotion.

Throughout the promotion period, HSBC is giving away three (3) sets of Grand prizes each month. The three sets of Grand prizes are "Capture Your Adventure"; "Capture Your Chill-outs" which consists of Canon EOS M camera, sofa lounger and 42" LED TV for the month of March; whilst for month of April, HSBC is giving away "Capture Your Family Fun Barbecue" set which consists of Canon EOS M camera, Broil King BBQ Grill set and garden table and chairs set. Additionally, two lucky winners will also be selected each month to win the consolation prizes of a Canon camera each.

Bonita Suresh (R) with Mr Mitchell Brian Burke (L) who won the Canon Ixus Digital Camera

Mr Michael John Hibberson was recently announced as the Grand Winner for February, winning himself the "Capture Your Adventure" set which consists of a Canon EOS M Camera, an air ticket to an ASEAN destination and Samsonite luggage. Meanwhile, Mr Manikandan Palanisamy and Mr Mitchell Brian Burke won a Canon Ixus Digital Camera each. Presenting the prizes to the winners was Bonita Suresh, Branch Manager of HSBC Serusop Branch

Bonita Suresh (R) with Mr Michael John Hibberson (L) who won the "Capture Your Adventure" set.

As part of the "Capture Your New Memories" promotion, HSBC has also launched an exciting competition which runs from 19 March until 30 April 2013. During the competition period, customers and members of the public are invited to take photos with the HSBC Red Frame currently located on the first floor at The Mall, and send their photos to hsbcmarketingbsb@hsbc.com.bn together with their name and contact number by 30 April 2013. The Red Frame will be relocated to Times Square Shopping Centre on 1 April and will be available until 30 April 2013. The three best photos taken will win a brand new Canon digital camera each.

For more information on HSBC's campaigns and promotions, please visit www.hsbc.com.bn.

HSBC WELCOMES RENMINBI DIALOGUE

Monday, 29th April 2013

Recently, HSBC welcomed the commencement of the Australia-Hong Kong Renminbi (RMB) Trade and Investment Dialogue.

Tony Cripps, Chief Executive Officer of HSBC in Australia, said: "This is a great opportunity to work with institutions and businesses in Australia and Hong Kong to promote global RMB trade settlement and investment flows."

"This initiative will not only support growing trade links between Australian and Chinese businesses, it demonstrates Australia's support for the ongoing internationalisation of the Chinese currency."

China has led the growth of the global economy over recent years and companies competing for a share of this growth will increasingly seek to use the RMB to settle trade, make investments and fund their business. The RMB is increasingly part of normal day-to-day business for anyone trading with or investing in China.

"Every Australian business with an eye on China should be considering the potential benefits of using the RMB," said Tony Cripps.

"For Australian businesses dealing with China, it can provide pricing or trade benefits as Chinese businesses seek to encourage RMB use to lower their foreign exchange costs and risk. Our research¹ shows 50% of HSBC customers surveyed in China were willing to offer better pricing or terms in return for using RMB to settle trade.

"We also encourage internationally-minded Australian businesses to explore using RMB when transacting with Chinese counterparts because dealing with RMB could create more business opportunities in China," he said.

Anita Fung, Chief Executive Officer of HSBC in Hong Kong, visiting Sydney to participate in the Dialogue, said: "In freeing up the RMB, China is opening the door for more Australian businesses to tap into the success story of the world's most dynamic economy. We are seeing companies large and small build connections that will be of lasting benefit to both countries, economies and people."

Ms Anita Fung, Chief Executive Officer, Hong Kong, HSBC, speaking in the Australia-Hong Kong Renminbi Trade and Investment Dialogue in Sydney.

"We applaud initiatives like this RMB Trade and Investment Dialogue that encourage collaboration to develop new RMB financing and investment products and closer RMB banking and financial links. This is critical groundwork in preparing markets like Australia for the emerging RMB opportunity."

"By 2015 we expect one-third of China's international trade will be denominated in RMB and the RMB to become a top three global trade currency in terms of volume. By 2017 we expect it to be fully convertible, taking China's financial integration with global markets to a new level," she said.

HSBC has been a champion of RMB internationalisation since this historic process began. The Bank is one of the most active participants in China's interbank foreign exchange market. In 2012, HSBC was among the first banks appointed as market makers for RMB-yen direct trading and in 2013 for RMB-AUD direct trading.

"HSBC Brunei offers a comprehensive range of RMB solutions to help our Corporate customers manage their working capital effectively, in mainland China, Hong Kong or the rest of the world," shared Rosdi Amin Yaakub, Deputy Chief Executive Officer, HSBC Brunei.

Rosdi Amin Yaakub, Deputy Chief Executive Officer and Head of Corporate Banking, at 'Unlocking China's Potential' dialogue in 2012 which was co-hosted by HSBC Brunei and Asia Inc Forum.

"With our extensive global coverage, HSBC plays a very important role to provide our expertise in supporting both existing business owners as well as those who are currently thinking about doing business with China and Australia," he further added.

HSBC has RMB trade capabilities in over 50 markets, was the first international bank to settle RMB trade in six continents, led the first ever offshore RMB bond and IPO and was the number one underwriter of dim sum bonds in 2012 - a position that it retains in 2013².

Footnotes
1 Source: HSBC survey of 692 Mainland China corporate customers, August 2012
2 Source: Bloomberg

GLOBAL FUND MANAGERS STILL POSITIVE ON EQUITIES IN 2Q 2013

Monday, 29th April 2013

***Asia-Pacific ex Japan equities favoured by half of fund managers***
***Three in four fund managers hold overweight views on Asian local currency bonds***
***Bond funds record strong inflows of USD56 billion in 4Q12***
In the latest HSBC's Fund Manager Survey, it was reported that fifty seven per cent of global fund managers (vs 75% in 1Q13) covered in HSBC's latest Fund Managers' survey continue to favour equities in the second quarter of 2013 with no one holding underweight views towards this asset class.

A tenth of respondents (14%) turned overweight towards bonds and cash in 2Q13 from none in the previous quarter (0% for both in 1Q13). Over two in five fund managers (43%) hold an underweight view towards bonds and cash compared to 38% and 63% respectively in 1Q13.

Vineet Vohra, HSBC's Regional Head of Wealth Development, Asia Pacific, said: "Global fund managers generally remain optimistic about the prospects of equities. Emerging markets equities including Asia equities continue to be attractive as a result of better fundamentals. However, it is worth noting that some managers have turned cautious due to renewed concerns on the Eurozone debt crisis."

Emerging markets equities are back in the spotlight in 2Q13 as over half of fund managers (57%) hold positive views, compared to only 29% in the previous quarter. Preference for North America equities dropped from 75% to 57% while Asia Pacific ex Japan equities are favoured by 50% of fund managers, up from 43%. No fund manager is underweight on Greater China, Emerging markets and Asia equities, while 14% are underweight on North America equities (vs 25% in 1Q13).

In terms of bonds, Asian local currency bonds (75%) stand out given the region's stronger fundamentals and potential currency appreciation. With the USD under pressure from the Fed's continued support for quantitative easing, four in five fund managers are underweight US dollar bonds and none of them holds an overweight view towards this asset class.

Asset class allocation strategy

4Q12 global fund flows

Funds under management (FUM) across 10 of the world's leading fund management houses¹ polled reached almost USD4 trillion² at the end of 4Q 2012, up by 3.2% or US$124 billion, from the previous quarter.

Bond funds were the major contributors to the FUM growth, representing 40% or around USD50 billion of the total increase. Bond funds also recorded the second largest net inflow since 2008 totalling USD55.9 billion, of which Asian bonds grew 11%. Equity funds continued to record a net outflow of USD13.4 billion in 4Q 2012, the tenth consecutive quarter, as investors were concerned about uncertainties from the European debt crisis and the US fiscal talks.

Net fund flows³ (as a percentage of FUM):

Market performance 4Q 2012 vs 3Q12

All equity and bond markets except North America equities and global bonds recorded positive returns in 4Q2012. Greater China equities were the best performer with a 12.9% growth, followed by Europe including UK equities (+7.0%), and Asia Pacific ex Japan equities (+6.0%). On fixed income, Europe including UK bonds recorded 4.6% return and high yield/emerging markets bonds went up 3.9%.

Vineet Vohra added: "Greater China equity funds suffered a net outflow of over 17% as investors likely took profit from the strong market rally in 4Q12. Except for this, emerging markets equities are generally in good shape and continue to attract inflows with Asia-Pacific ex Japan equity funds having net inflows for the first time since 3Q2011 driven by its relatively resilient economies. The strong flows to bond funds reflect that investors are still seeking yield amidst the low interest rate environment. As no asset class will outperform all the time, investors are advised to avoid over exposure to any particular asset class and adopt the principles of asset allocation and diversification in their financial planning."

HSBC Brunei has a wide range of investment product to cater to its customers needs. Some of the available funds are HGIF Asia Ex Japan Equity, HGIF Asia Ex Japan Smaller Companies and HGIF Asia Ex Japan High Dividend. For a personal financial review, please visit any of HSBC branch and speak with one of HSBC's accredited financial professionals. The financial professionals are also available to assist customers with tailor made financial plan to help achieve their aspiration for wealth growth and financial security.

HSBC HOSTED FOREIGN EXCHANGE WORKSHOPS

Monday, 15th April 2013

Global Markets of HSBC Brunei recently conducted two sessions of Foreign Exchange workshops for their Corporate Banking customers. More than 100 customers attended the workshops which were held at the Orchid Garden Hotel in Bandar Seri Begawan and Plaza Sutera Biru in Kuala Belait. Also present were Rosdi Amin Yaakub, HSBC Brunei's Deputy Chief Executive Officer and Head of Corporate Banking as well as a number of the bank's business relationship managers.

Salyahrinah Yahya, Treasurer of HSBC Brunei said, "These workshops represent an exciting platform which enable us to share currency updates and forecasts with our customers. It also serves as a very effective channel to foster stronger client relationships".

Salyahrinah Yahya, Treasurer of HSBC Brunei (front, standing with mic) gave an opening remark to customers who attended the workshop at BSB

HSBC holds their foreign exchange workshops annually to provide an insight to the latest developments in the currency markets. "This year, the market is hungry to believe that the world is normalising. Investors are searching desperately for signs that the worldâ's economy is finally returning to growth", shared Syazwani Zaini, a sales dealer from HSBC Global Markets who presented at the workshop.

HSBC sales dealer Syazwani Zaini (left, standing), senior FX trader On Swee Long (2nd left, standing), Treasurer Salyahrinah Yahya (2nd right, standing) with some customers who attended the workshop at KB

The workshops covered an FX market outlook for six of the world's major currencies alongside key market trends for 2013. Each presentation was followed by a simulation game designed with the objective of assisting customers to increase their understanding of the foreign exchange market. The game made use of various factors which could influence foreign exchange rate movements to encourage customers to decide whether and when they should enter the FX market. By responding to different market headlines and news releases, the participants were challenged in the game to become the most profitable team through planning and strategy.

The workshops were well received by all who attended.

Global Markets HSBC Brunei is responsible for the bank's treasury business which includes dealings in foreign exchange and interest rates. The team provides foreign exchange solutions for payments and risk management through a range of FX products. They also source optimal borrowing and lending rates for clients, and make use of an array of financial instruments to manage the bank's cash flow and balance sheet.

For more information about HSBC Brunei and its services, please visit www.hsbc.com.bn

HSBC senior FX trader On Swee Long (back, standing) with some customers who attended the workshop at BSB

HSBC sales dealer Syazwani Zaini (left, standing), senior FX trader On Swee Long (centre, standing), Treasurer Salyahrinah Yahya (right, standing) with some customers who attended the workshop at KB

HSBC TO BE AMONG FIRST MARKET MAKERS FOR DIRECT TRADING OF RMB AND AUD

Friday, 12th April 2013

HSBC China has received approval from China's central bank to be one of first market makers for direct trading of the Renminbi (RMB) and Australian dollar (AUD) in Chinaâs interbank foreign exchange market.

HSBC will participate in the market upon the launch of RMB-AUD currency conversion deal on 10 April 2013. Australia is the third country, after the US and Japan, to secure an arrangement with China under which its currency is traded via direct market making.

Direct trading of the RMB and AUD onshore will supplement the cross-pair trading that has historically supported transactions between these two currencies.

Helen Wong, CEO of HSBC China, said: "Direct RMB-AUD trading is a vital move towards building a representative and liquid onshore benchmark for major non-US dollar crosses. HSBC is honoured to be appointed as a market maker for the RMB-AUD direct trading."

Tony Cripps, CEO of HSBC Australia, said: "This is a symbolic and significant step forward in supporting the growing demand for RMB for payments, settlement, investment and financing globally."

"China is Australia's largest trading partner and Australia is China's seventh largest trading partner. Greater RMB turnover and liquidity will ultimately make exchange rate transactions for businesses and investors from both countries easier, supporting increasing trade and investment flows between our two markets."

HSBC has been a champion of RMB internationalisation since this historic process began. The Bank is one of the most active participants in China's interbank foreign exchange market and, in 2012, was among the first banks appointed as market makers for RMB-yen direct trading.

HSBC has RMB trade capabilities in over 50 markets including Brunei Darussalam and was the first international bank to settle RMB trade in six continents, led the first ever offshore RMB bond and IPO and was the number one underwriter of dim sum bonds in 2012 - a position that it retains in 2013.¹

Back in 2011, HSBC became the first bank in Brunei to cater Renminbi (RMB) deposits and remittances services to Corporate Banking customers following China's contribution in global trade and the gradual internationalisation of RMB. HSBC Brunei continues to offer these RMB services to ensure ease of trade financing between Brunei Darussalam and the Peopleâs Republic of China.

¹ Source: Bloomberg

CHARITY MOVIE NIGHT RAISES $14K FOR SMARTER, PUSAT EHSAN

Friday, 12th April 2013

WITH a special appearance by Brunei-born international mega star Wu Chun, the Saving General Yang Charity Movie Night managed to raise a total of $14,000 at the Times Cineplex yesterday for two charitable organisations, SMARTER and Pusat Ehsan, whereby each received $7,000.

The guest of honour who handed over the contributions was Datin Paduka Hjh Adina binti Othman, the Deputy Minister of Culture, Youth and Sports.

Wu Chun with Datin Paduka Hjh Adina binti Othman, the Deputy Minister of Culture, Youth and Sports; Liza Kamarudin of HSBC and Pg Dato Shariffuddin of GHK Motors presenting the $7,000 mock cheque to Malai Hj Abdullah of SMARTER

Wu Chun with Datin Paduka Hjh Adina, Nicky Wong of QQeStore, Maswadi Hj Mohsin of RB presenting the $7,000 mock cheque to Dato Paduka Dr Omar Khalid of Pusat Ehsan

Wu Chun and Datin Paduka Hjh Adina in a group photo with the representatives of the companies involved in the Charity Movie Night. - PHOTOS: JAMES KON

Present to receive the contribution on behalf of SMARTER was Malai Hj Abdullah bin Malai Hj Othman, the President of SMARTER, while Dato Paduka Dr Omar Khalid received the contribution on behalf of Pusat Ehsan.

The Charity Movie Night also attracted more than 50 Wu Chun fans who had flown in from overseas just to see the movie and catch a glimpse of Wu Chun.

Encouraging other youths to be a success in the creative industry, Datin Paduka Hjh Adina in her remark mentioned, "We are very proud of Wu Chun, a Bruneian who went to school here and was brought up the Bruneian way. Therefore if Wu Chun can do it, so can other Bruneians."

Wu Chun, who has travelled to 12 different cities in the past two weeks to promote Saving General Yang, did not look tired at all after greeting the large number of fans that turned up. Prior to the presentation of the mock cheques, he signed an autograph on the main poster.

During an interview session, Wu Chun said, "I would like to convey my appreciation to the companies that have supported this Charity Movie Night, with all the proceeds going to charity."

Wu Chun revealed, "After landing on Tuesday afternoon, I stayed in Times Cineplex to work with the organisers until midnight to make sure that everything goes smoothly."

"The movie is screening in Saudi Arabia, India, and Australia as well as many parts of the world, and has received rave reviews. It's my biggest movie and the production cost was more than $20 million," he said. "I hope that Bruneians will come out to support this movie, as a lot of effort has been put into making the movie. I also felt a great sense of achievement not just because I can share this great movie with my fellow Bruneians, but help to organise a charity as well. My motivation came from my fans and family, especially my late mother who always encouraged me to be involved in charity events."

The Saving General Yang Charity Movie Night was supported by QQeStore, HSBC, Royal Brunei Airlines (RB) and GHK Motors.

Article and photos by Borneo Bulletin

HSBC AND BOCOM FURTHER ENHANCE COOPERATION

Monday, 8th April 2013

*** MOU on cross-border RMB business cooperation signed ***
*** HSBC international banking expert seconded to BoCom ***

The Hongkong and Shanghai Banking Corporation Limited ("HSBC") and Bank of Communications Co., Ltd. ("BoCom") today announce the signing of a memorandum of understanding ("MOU") on cross-border RMB business cooperation, under which both banks will leverage their international and domestic strengths to further strengthen and deepen their cooperation in cross-border RMB business.

Under the MOU, HSBC and BoCom will fully collaborate on cross-border RMB business, including trade finance, remittance, lending, offshore investment and finance, asset custody and fund management, retail banking, cash management and capital markets business. Both banks will foster greater information exchange and work together on initiatives that draw on each other's strengths to generate new opportunities.

BoCom has also appointed Mr Ng Siu On, a seasoned banker with international banking expertise from HSBC, as an HSBC-BoCom strategic cooperation consultant, joining BoCom's senior management team. His appointment will enhance the two partners' collaboration in international business.

Mr Ng was most recently Head of Corporates for HSBC's commercial banking business in Hong Kong. He was also a consultant for HSBC's Asia-Pacific CEO on Greater China business. Mr Ng has 35 years of experience in retail banking, corporate banking, international trade and branch management across markets such as Hong Kong, mainland China and Canada.

Stuart Gulliver, Group Chief Executive, HSBC Holdings plc, said: "This announcement underscores the considerable benefit of our ongoing partnership with BoCom. The combination of HSBC's global network and BoCom's strong onshore mainland presence allows us to offer an unrivalled cross-border RMB service to clients, contributing to the internationalisation of the Chinese currency."

Niu Ximing, President of BoCom, said: "We welcome Mr Ng to our senior management team. Since 2009, we have been working closely with HSBC in various areas in cross border RMB business. Going forward, both our banks will fully leverage each other's strengths in network, customer and market knowledge to further broaden and deepen our strategic partnership."

In addition to these two new initiatives, HSBC and BoCom continue to collaborate closely in other areas including supporting mainland corporates, credit card, international trade financing, custody and clearing and fund distribution.

For more information on HSBC's campaigns and promotions, please visit www.hsbc.com.bn.

JUNIOR ACHIEVEMENT PROGRAMME SUCCESSFULLY COMPLETED

Monday, 1st April 2013

Recently, the pilot session of the Junior Achievement (JA) More than Money programme concluded with a certificate presentation ceremony. The JA Pilot project is a collaborative initiative between the Brunei Economic Development Board (BEDB) and JA worldwide, with the support of the Ministry of Education.

Junior Achievement is the world's largest organisation dedicated to educate students about workforce readiness, entrepreneurship and financial literacy through experiential, hands-on programs.

"As part of HSBC's initiative to promote financial literacy, HSBC Brunei is proud to support the JA More than Money programme," said Liza Kamarudin, Manager Corporate Sustainability of HSBC Brunei. "24 students from 5 different schools participated and benefited from this programme and we are looking forward to support the Junior Achievement programme by reaching out to more students in the future."

The five schools that participated were Sekolah Rendah Anggerek Desa, Sekolah Rendah Pulaie, Sekolah Rendah Amar Pahlawan, Sekolah Rendah Delima Satu and Sekolah Rendah Mabohai. The participants and volunteers from HSBC met at Sekolah Rendah Anggerek Desa on Friday over a period of 6 weeks from January until March 2013.

Officiating the ceremony was Yang Mulia Awang Haji Azis bin Haji Nayan, Acting Senior Special Duties Officer of Primary Education Section, Ministry of Education who presented the certificates to the students. The event was also attended by their parents, volunteers from HSBC well as officers from MOE and BEDB.

More than 250,000 students in more than 40 countries have learned about earning, spending, sharing and saving money. To date, almost 4,300 HSBC employees have volunteered to lead JA More than Money around the world. HSBC Holdings plc has given a total of $7.3 million (USD) over five years to teach children about earning, spending, sharing and saving money through JA More than Money.

Yang Mulia Awang Haji Azis bin Haji Nayan presenting certificates to the partipants

HSBC NEWS MARCH 2013

HSBC JOINS WWF's EARTH HOUR 2013

Monday, 25th March 2013

HSBC offices in 51 countries will be switching off their lights this year to show support for WWF's Earth Hour.

The annual campaign led by WWF is once again calling upon individuals and businesses across the world to switch off their lights for one hour today, Saturday, 23rd March at 8.30pm local time.

HSBC offices and branches in countries across the globe, including the iconic Canada Square tower block in London and the HSBC Headquarters in Bandar Seri Begawan will be participating in the big switch off, with employees showing their personal support by signing up to the campaign at www.earthhour.org.

Across the globe, HSBC is demonstrating its commitment to Earth Hour 2013, not only by switching off lights in buildings but also by aiming to reduce its annual employee carbon emissions by one tonne, from 3.5 in 2012 to 2.5 by 2020.

"As we join other agencies and organization on this symbolic gesture, we remind ourselves of the challenges our planet are facing, to think about how we source and use our energy, and inspire appropriate actions for a lifetime of change. We have also witnessed how one small initiative such as Earth Hour in Sydney seven years ago has now become a global phenomenon that has successfully captured the attention of hundreds of millions of people across the planet." commented Liza Kamarudin, Manager Corporate Sustainability, HSBC Brunei.

William Thomas, Group Head, HSBC Technology and Services Sustainability added, "Earth Hour is a moment out of our busy lives to remember the value of the earth's resources and make a commitment to finding energy saving solutions. Our people have come up with some fantastic energy efficiency ideas already and we are encouraging them to keep working to help us meet our stretching corporate targets."

TRANSACT VIA HSBC.COM.BN AND WIN AMAZING PRIZES

Monday, 11th March 2013

HSBC has always been in the forefront when it comes to technology. It is the first financial institution in Brunei Darussalam to launch internet banking as well as its iPhone application. HSBC Brunei has also won the Global Finance Awards for the Best Consumer Internet Banking consecutively for eight years since 2004.

The HSBC Personal Internet Banking (PIB) campaign which ran from 28 December 2012, came to an end on the 28 February 2013. Customers who signed up for PIB or performed PIB transactions, such as Telegraphic Transfer, Unit Trust Subscription, Foreign Currency Time Deposit account opening or made their first Bill Payments are entitled to lucky draw chances to win amazing prizes.

Lyndsay Rajah, Head of Retail Banking and Wealth Management of HSBC Brunei, presented the prizes to the lucky winners. Muhammad Farhan, Affendee Ramskay Muniandy Abdullah/Murijan Omar, Mr Michael Raymond Price, Hj Samuil Mohidin and Mr Fatahudin Asmuri won BND100 cash prize each, Rupert David Smale/Fang Wang won a Samsung Galaxy Note II, Miss Teo Moi Moi won a Philips 32' LCD TV, Mr Antony Waterson won an Apple Mini Ipad 16GB and Ms Nur Izyani Haji Mohammad Isa won a Sony PS3 Ultra Slim 250GB. HSBC will shortly announce the Grand lucky winner for this campaign, which is a 4-day, 3-night trip for two to Singapore with the Universal Studios Singapore Package.

Group photo of Lyndsay Rajah (2L) and Andy Yong, Area Manager of HSBC Brunei (Far right) with the PIB campaign winners

Banking through online@hsbc saves time and also gives customers complete peace of mind with its industry standard security technology. Upon signing up for HSBC's Personal Internet Banking, customers will receive a HSBC Security Device which displays a unique, one-time only code that is required when logging in and performing banking transactions. With HSBC's Personal Internet Banking, customers can pay their bills at their convenience to selected merchants and customers can also enjoy up to 50% savings per transaction made for international transfers specifically Telegraphic Transfers and Demand Drafts.

To learn more about HSBC Personal Internet Banking or to register, please visit www.hsbc.com.bn and click "Register" found at the Personal Internet Banking registration and log on panel, and follow the online instructions. After completing the registration, customers can proceed to collect their Security Device from their nearest HSBC Branch, or have it delivered to their doorstep.

EXPLORE THE POSSIBILITIES WITH HSBC

Thursday, 7th March 2013

HSBC recently announced Siti Khairiyati Suhaime as the Grand winner of BND6,500 from its recent card promotion themed "What would you do with BND6,500?". The card promotion ran from 28 November 2012 until 28 January 2013 and twenty-one customers have won themselves BND300 each from its weekly draw prizes. Customers simply needed to make purchases with their HSBC Visa Debit Card or Credit Card during the promotion period to be entitled for the lucky draws.

"I was surprised when I was informed that I won the BND6500!" exclaimed Siti Khairiyati, the Grand winner of the HSBC card promotion. "What would I do with the BND6500? I'm going to save it, and keep it for my daily expenses when I go to the United Kingdom for my studies," shared Siti Khairiyati.

Lynsdsay Rajah (R) presenting the BND6500 to the Grand Winner (L)

HSBC also rewarded Josephine Jaba Tolentino with BND4,500 who won the second prize and Ahmani Abrari Hj Ahmad with BND2,500 as the third prize winner. Castillo Fabrigas Lorieflor, Boy Herozy Mohd Rommy and Pengiran Abd Rajak Pengiran Abd Wahap won BND300 each from the weekly draws. Presenting the prize to the winners was Lyndsay Rajah, Head of Retail Banking and Wealth Management, HSBC Brunei.

Group photo of Lyndsay Rajah (4R) and Andy Yong (2R), Area Manager of HSBC Brunei with the winners

More exciting promotions are currently on offer to HSBC customers. From 1 February until 30 April 2013, customers who pay their purchases and daily expenses with their HSBC Credit Card or Visa Debit Card will be entitled to chances to win extraordinary prizes in the current "Capture Your New Memories" promotion. Three (3) sets of Grand prizes ranging from a return ticket to any ASEAN country destination, a Samsonite Luggage and a Canon camera under the Adventures prize set to other equally great prizes under the Chill-outs and Family Fun Barbecue sets are up for grabs. Additionally, two lucky winners will also be selected each month to win the consolation prize of a Canon camera each. For more information on HSBC's current promotions, please visit www.hsbc.com.bn.

SHIFTS IN WORLD TRADE OPEN UP BUSINESS OPPORTUNITIES

Monday, 4th March 2013

The latest HSBC Commercial Banking Trade Forecast ("the Forecast") details a shift towards the production of higher-value goods around the world, presenting opportunities for forward-thinking companies looking to expand.

Rapid industrialisation and increasing wages, coupled with maturing consumer demand in many of the countries along the South-South corridor are driving different types of global trade growth. This report highlights how these trends are changing the types of goods imported, manufactured and subsequently exported.

As countries shift towards higher value sectors there are significant opportunities for companies to evolve and grow. The reports for countries such as Vietnam and Bangladesh show a shift from basic commodities trading in sectors such as cereals or sugar, to become a refiner or producer of branded goods based on those raw materials. In many of the developed markets there is a shift towards increasingly specialised sectors such as chemicals and pharmaceutical products as companies seek opportunities for higher returns.

This shift towards the production of higher value goods is particularly evident in Asia, with a clear pattern emerging as Chinese export growth in information & communications technology and industrial machinery gathers pace. This balances a declining rate of growth in sectors such as textiles, giving rise to opportunities for companies in the smaller, faster growing countries around the region to win contracts to produce these more basic goods.

James Emmett, HSBC's Global Head of Trade and Receivables Finance, said: "Emerging markets are developing at a phenomenal pace and are set to reshape world trade patterns over the next 20 years. By expanding their operations in to new, higher value sectors, they are driving more developed nations to specialise and diversify to compete. Understanding which sectors are growing in which markets, delivers huge opportunities for businesses as they plan for the future and aim to capitalise on these trends."

Emerging markets add ever increasing value to the supply chain

Countries making the move up the supply chain most notably are Malaysia and Argentina. Malaysia's top exportable goods will shift from lower-value sectors such as animals and vegetable oils to higher-end industrial machinery, which will make the largest contribution to Malaysia's export growth by 2030. Argentina's top export sectors will change from animal products to transport equipment and industrial machinery.

The Forecast identifies that developed nations, including the USA and UK, will also evolve the goods they export. Both nations will continue to trade in industrial machinery, but increasingly at the higher-end of the sector. Export growth in the UK is increasingly being driven by high-technology manufactured goods, as low-cost producers in the emerging markets satisfy an increasing share of demand for less sophisticated products. In the USA, export growth is driven by three high value-added sectors which will contribute to half of the increase of exports over 2021-2030 - industrial machinery, transport equipment and scientific apparatus.

Industrial machinery opportunity

Industrial machinery, ranging from large power generating machinery to small parts for domestic electrical items, will extend its dominance as the world's top export sector. It will encompass around 25% of goods exported among the top 25 trading nations by 2030, and contribute over a third of the growth in total merchandise exports from 2013 according to the Forecast.

Hubs

Intra-regional trade and reliance on hub cities continue to play a strong role in facilitating global trade flows, as companies look to capitalise on new opportunities while managing their exposure in rapidly developing markets.

"HSBC, with its 140 years of trade expertise, is a brand that speaks on its own. In HSBC Brunei, trade business grew by a modest 10% compared to last year which is very encouraging. With our extensive global trade coverage, HSBC offers a full range of trade finance solutions covering import and export products. Our Bruneian trade experts are definitely well positioned to support your trade businesses needs either locally, regionally or globally. Within the same HSBC global network, we are able to provide faster turnaround time in handling your trade transactions" commented Rosdi Amin Yaakub, Deputy Chief Executive Officer, HSBC Brunei.

For a copy of the Global Connections Trade Forecast report and for further information, log onto http://www.globalconnections.hsbc.com/. An infographic which portrays key findings from the latest trade forecast is also available upon request.

HSBC's Trade forecast encompasses trade data for 25 countries and territories key to world trade.

For updates from the HSBC Press Office, follow us on Twitter: www.twitter.com/HSBC_Press.

For further information please contact:

HSBC

Aimee Peters +44 (0)20 7991 8780 / 07920 412 040 AimeePeters@HSBC.com

Consolidated PR

Katie Spreadbury +44 (0)20 7781 2300 HSBCGlobal@Consolidatedpr.com

Notes to Editors:

About the HSBC Trade Forecast - Modelled by Oxford Economics

Oxford Economics has tailored a unique service for HSBC which forecasts bilateral trade for total exports/imports of goods, based on HSBC's own analysis and forecasts of the world economy to generate a full bilateral set of trade flows for total imports and exports of goods, and balances between 180 pairs of countries and territories.

Oxford Economics produces a global report for HSBC, plus regional reports and country specific reports on the following 25 countries and territories: Hong Kong, China, Australia, Indonesia, Malaysia, India, Singapore, Vietnam, Bangladesh, Canada, USA, Brazil, Mexico, Argentina, UK, France, Turkey, Germany, Poland, Ireland, UAE, Saudi Arabia, Korea, Japan and Egypt.

Oxford Economics employs a global modelling framework that ensures full consistency between all economies, in part driven by trade linkages. The forecasts take into account factors such as the rate of demand growth in the destination market and the exporter's competitiveness. Exports, imports and trade balances are identified, with both historical estimates and forecasts for the periods 2013-15, 2016-20 and 2021-30. The model looks at two-digit classifications from the COMTRADE database, grouped in to 30 sector headings. More information about the sector modeling can be found on http://www.globalconnections.hsbc.com/

Oxford Economics - formerly Oxford Economic Forecasting - was founded in 1981 to provide independent forecasting and analysis tailored to the needs of economists and planners in government and business. It is now one of the world's leading providers of economic analysis, advice and models, with over 500 clients. Oxford Economics commands a high degree of professional and technical expertise, both in its own staff of over 70 professionals based in Oxford, London, Belfast, Paris, the UAE, Singapore, Philadelphia and New York, and through its close links with Oxford University and a range of partner institutions in Europe and the US.

HSBC Holdings plc

HSBC Holdings plc, the parent company of the HSBC Group, is headquartered in London. The Group serves customers worldwide from around 6,900 offices in over 80 countries and territories in Europe, the Asia-Pacific region, North and Latin America, and the Middle East and North Africa. With assets of US$2,721bn at 30 September 2012, the HSBC Group is one of the world's largest banking and financial services organisations.

Link to the Global Connections Report for reference.

HSBC NEWS FEBRUARY 2013

GLOBAL JOB OPPORTUNITIES AT HSBC

Thursday, 28th February 2013

Developing local talents continue to be one of the key people strategies for HSBC in Brunei. "Our people benefit tremendously from our global connectivity and we take pride in the range of our job opportunities, across our global geographies and over different cultural boundaries," shared Teo Seh Chien, Head of Human Resources.

One of the most recent success stories for HSBC Brunei is the secondment of one of its local employees, Chok Ming Ha, to its international office in New York. Chok will be seconded to HSBC Manhattan office in New York for three years where she will provide thought expertise on a subject matter of her knowledge.

Ming Ha Chok (centre) with Todd Wilcox (R), CEO HSBC Brunei and Nabel Huwazan (L), Chief Operating Officer HSBC Brunei

Teo Seh Chien, Head of Human Resources further added, "We are proud that in 2013 we have more home-grown talents who will be embarking on regional and overseas assignments. This really aligns well with our commitment to employ Bruneians and build a pipeline of local successors into the senior leadership positions. Indeed, 99.7% of the employees within HSBC Brunei are currently local. Pipeline regional attachment programmes have been arranged for at least 15 of our talents and a further 5 of our talented executives will be attending the annual Regional Leadership Development Programme this year. Our international assignment programmes have enabled local talents to enhance their skill and develop their career opportunities globally and provide them a platform to compete at the highest level in the industry, with transferable skills and an appreciation of different businesses, cultures and languages."

HSBC Brunei will also be participating in an upcoming Career Day event soon.

HSBC CONTINUES TO CELEBRATE THE YEAR OF THE SNAKE IN KUALA BELAIT

Monday, 25th February 2013

"HSBC embraces diversity. As one of the world's leading financial institutions, HSBC recognises and values the importance of diversity, be it amongst our employees or our customers," Todd Wilcox, Chief Executive Officer, HSBC Brunei said during the recent HSBCâs Chinese New Year Open House event held at Li Gong, The Empire Hotel and Country Club. With that in mind, HSBC hosted another Chinese New Year celebration held at Plaza Sutera Biru, Kuala Belait, especially for its Premier, Corporate and Global Market customers in Kuala Belait and Seria.

Present on behalf of HSBC were Todd Wilcox, Rosdi Amin Yaakub, Deputy Chief Executive Officer/Head of Global and Commercial Banking, Lyndsay Rajah, Head of Retail Banking and Wealth Management and Salyahrinah Yahya, Associate Director Global Markets, to name a few. Other department heads also attended to this joyous and special occasion to meet and greet their valued customers. Along with HSBC staff, the God of Fortune also made his appearance to greet and wish HSBC customers a prosperous year.

Todd Wilcox (far left) with Senior Managers of HSBC Brunei

"HSBC recognises and sees that the Lunar New Year is one of the most important and special occasion for the Chinese community in Brunei. With that, my team and I have hosted another Open House to celebrate this auspicious event. This celebration also gives us a chance to meet up with our customers in Seria and Kuala Belait informally and outside the banking environment," shared Todd Wilcox.

Todd Wilcox (L) presenting the prize to the lucky winner

Similar to the event held in Bandar Seri Begawan, HSBC customers in Kuala Belait and Seria also enjoyed Chinese Orchestra performance and were treated to sumptuous dishes. One of the special delicacies prepared were Niangao which is also known as New Year cake. This Chinese New Year delicacy represents an increase in status every year.

Additionally, a few lucky customers also brought home exclusive Mont Blanc and Cerruti branded merchandise; and especially for the children there were Toys R Us vouchers up for grabs as HSBC held lucky draw sessions throughout the event.

HSBC staff wishing everyone a Happy Lunar New Year

HSBC WELCOMES THE YEAR OF THE SNAKE

Friday, 22nd February 2013

HSBC had the pleasure of hosting Chinese New Year Open Branches for its customers yesterday at all HSBC branches including HSBC Finance.

Lyndsay Rajah (middle) with HSBC staff welcoming customers to its open branch

Ushering in the New Lunar Year of the Snake, customers were treated with an array of sumptuous dishes and those who were early also received a Mandarin orange each. Mandarin oranges are seen as traditional symbols of abundance and good fortune.

Customers were greeted by HSBC staff as well as the Senior Managers of HSBC Brunei including Todd Wilcox, Chief Executive Officer, HSBC Brunei, Rosdi Amin Yaakub, Deputy Chief Executive Officer/Head of Global and Commercial Banking and Lyndsay Rajah, Head of Retail Banking and Wealth Management.

"During this festive season, it is a great opportunity to foster better ties between our staff and customers as well as respect each other's culture. We hope that the Year of the Snake brings further opportunities for HSBC and the business community," said Lyndsay Rajah.

Dk Hamidah Pg Hj Othman (3R), Head of Customer Value Management, at HSBC Seria Branch

HSBC TO HOLD CNY OPEN BRANCHES ON FEB 21

Thursday, 21st February 2013

HSBC Brunei is hosting an 'Open House' at all of its branches including HSBC Finance in celebration of the Lunar New Year, Year of the Snake.

Lyndsay Rajah, Head of Retail Banking and Wealth Management commented, "At HSBC, it is one of our top priorities to continuously show our utmost appreciation to our customers. As Chinese New Year is the most important festival in the Chinese calendar, HSBC is proud to celebrate this special occasion with our customers. This is also our way of saying thank you and to wish them a good year ahead."

"On behalf of Management and staff of HSBC, we would like to wish everyone a healthy and prosperous year", she further added. An array of sumptuous dishes will be prepared for customers and Mandarin oranges will be given away during the event.

Customers are cordially invited to the open houses which will be held at all of HSBC's branches including HSBC Finance on February 21, 2013 during banking hours.

8 TIPS FOR A FINANCIALLY-PROSPEROUS 'YEAR OF THE SNAKE'

Monday, 18th February 2013

The Chinese Lunar Calendar's Year of the Snake begins February 10, 2013.

As the saying goes, "A year's plan starts with spring; a day's plan starts with early morning". With the New Year, there is no better time to start your Financial Planning. As one of the world's leading financial institutions in Brunei, HSBC has the largest number of accredited financial professionals to assist you in planning your road map to financial independence.

8 Tips for a Financially-Prosperous 'Year of the Snake'

Chart the best course to reach your financial goals. When it comes to building, preserving and transitioning wealth, it's difficult to overstate the importance of having a sound financial plan. Whether your financial goal is to purchase a dream home, retire comfortably in the future, or ensure your wealth is there for future generations, your savings and investment strategy must reflect these goals.

Simplify your finances, if you have accounts, loans and investments spread out across numerous financial services providers. It is easier to manage your accounts and investments when they are all in one place, and you can save money by avoiding multiple fees and expenses.

Use credit financing for convenience only. Paying off your credit balances on a monthly basis improves your credit-worthiness. Part of wealth management is to know how to use credit financing wisely, and to your advantage, to help you reach your wealth management goals faster.

Empower yourself through financial literacy. In order to make the most appropriate decisions for you and/or your family, it is important to understand how money and financial products and services work (investing, returns, risks, etc). Financial literacy makes you an active participant in your personal financial planning, which provides you with more control over the managing and investing choices you make. It also helps you to better understand and assess riskier choices before you invest your money.

Maximise the benefit of government programmes such as Employee Trust Funds or Tabung Amanah Pekerja (TAP) and Supplementary Contribution Pension (SCP). These programmes, are the key to your financial independence after retirement.

Diversify your investment's asset class. Timing the market is dangerous and there is no one single asset that can always outperform. The best way is to invest in a diversified investment portfolio that is tailor-made in accordance to your risk appetite and emotionally compatible with you. For people investing in individual stocks and bonds, they can look at alternative investment products and/or asset classes as ways of further diversification.

Get the experts working for you. Each and every individual has a unique set of financial circumstances. A personalised wealth plan guides all your financial decision-making and gives you peace of mind that your choices are the right ones. A financial services expert can recommend the best opportunities and solutions according to your risk profile and help you meet your short-term and long-term objectives throughout your different life stages.

Invest in your family's future with a global investment strategy. Make the most of your money by diversifying your investment portfolio with a wide range of short and long-term investment products, and find new opportunities in local and global markets. There are wide a variety of internationally-minded investment options available - do your research, and choose according to your long-term investment goals.

Financial planning isn't about solving problems. It's about identifying opportunities and it starts with your financial goals. HSBC can help by offering professional guidance and developing tailored strategies to finance your dreams and plan for your future. At its best, financial planning is a long-term partnership that begins and ends with your financial goals.

Remember, the earlier you plan and the earlier you start, the faster you will be on your way towards financial independence. And, as you plan your road map to financial independence, do speak to HSBC's accredited financial professionals to see how we can help you in achieving your financial goals. Perhaps if you plan it properly today, you can choose to retire and enjoy the fruits of your hard work sooner than you planned. Once financial independence is gained, we can choose to enjoy life without having to worry about our finances. HSBC is committed to working with you to define them, to tailor-make a plan to achieve them and provide you with sensible, straightforward financial solutions that you can have full confidence in.

HSBC Brunei would also like to wish the Chinese community in Brunei Darussalam, a Happy and Prosperous Lunar New Year.

HSBC MADE IT HAPPEN

Wednesday, 6th February 2013

HSBC announces the three lucky winners in the recent draw, who were among the many successful applicants who signed up for the HSBC's My Home Plan, a package offered specifically to the younger segments of Brunei Darussalam, who are aged between 21 and 35 years old.

Ting See Hung receiving his prize from Andy Yong

Lim Tze Nian receiving his prize from Andy Yong

Ting See Hung/Lim Chu Lin, Lim Tze Nian and Goh Hong Guan/Cheng Siaw Chin won themselves an Apple iPad, presented by Andy Yong, Area Manager, HSBC Brunei. Also present at the presentation ceremony was Dk Hamidah Pg Hj Othman, Senior Customer Value Management Manager, HSBC Brunei.

Make It Happen winners with Andy Yong and Dk Hamidah

HSBC's My Home Plan's exclusive benefits include a low interest rate of 4.5% per annum (Effective Interest Rate of 4.5% p.a.), 100% application fee waiver, 50% rebate on total interest paid out for the first 3 years, entitlement to a free 3-year fire protection for new home and a subsidy of up to B$15,000 that will cover legal fees, property valuation and the costs of MRTA (Mortgage Reducing Term Assurance).

HSBC's Home Loan Centres are strategically located at Gadong, Serusop and Kuala Belait. Customers who would like to find out more on the HSBC Home Loan are welcome to visit any of the Home Loan Centres or log on to www.hsbc.com.bn.

HSBC GRAND DRAW WINNER TO BE ANNOUNCED

Friday, 1st February 2013

Group photo of Rosdi Amin Yaakub (c) with HSBC staff and the winners

As the "Drive your Business to Success" campaign comes to a close, HSBC announces the last two winners for its monthly prizes. The winners for its November and December slots were Low San Hardware and Bobby Electric Company Sendirian Berhad respectively.

Present at the prize presentation was Rosdi Amin Yaakub, Deputy Chief Executive Officer, HSBC Brunei who gave away the prizes to Vincent Ong representing Low San Hardware and Nerissa Fernandez who represented Bobby Electric Company Sendirian Berhad. The winners each walked away with an elegant Caffee Tiziano Coffee Machine. Both companies were drawn from a list of companies that simply performed transactions on any selected Business Banking products and facilities between 02 July and 31 December 2012.

Furthermore, an exciting event will be held next month in February to conduct the draw for the winner of the Grand prize who will drive away with a Nissan Navara Truck (including insurance). Five lucky companies will be drawn in the presence of an external party, who will witness the draw. Representatives of these companies will hope that luck is on their side as they will draw either a coffee machine or the ultimate Grand prize.

Apart from that, the event will also announce the winner of the Panda expedition in Nanning, China worth USD5,000 for customers who have performed a China-related transaction through Trade and Supply and HSBCnet.

To learn more about HSBC's business products and services, please visit www.hsbc.com.bn.

HSBC NEWS JANUARY 2013

NEW YEAR, NEW HOME WITH HSBC

Thursday, 31st January 2013

Lyndsay Rajah at a mock room during the launch of HSBC's My Home Plan

With the New Year comes a fresh chance to start acting on unachieved plans and goals of the past year.

For most people, owning your own home is probably one of your biggest aspirations. While this is a decision that many people face with both excitement and trepidation, the beginning of the year can be a perfect time to revisit this dream and start planning a roadmap towards your first home.

There are many different factors to consider before making that big commitment. With the right advice, helpful information and trusted providers, you can gain the control and confidence you need to make this most important decision.

"Can you afford it?" If you are already asking this question, chances are you have some idea of the kind of the property you want and by how much this may set you back. It is important to have realistic goals and look at this investment in the context of your overall financial standing as well as potential earnings and expenses.

"The beginning of the year is a good time to review your long-term financial goals such as buying your first home. If you have not started, a regular savings or wealth management plan will help you set aside funds for the down payment, which can be one of the roadblocks to your decision to purchase a property. HSBC's My Home Plan has been designed specifically for the younger segments, aged between 21 and 35 years old, to help them realise their dream home earlier, while enjoying a host of exclusive benefits. HSBC's My Home Plan offers a low interest rate of 4.5% per annum (Effective Interest Rate of 4.5% p.a.) with 100% application fee waiver and a 50% rebate on total interest paid out for the first 3 years, entitlement to a free 3-year fire protection for your new home and benefit from a subsidy of up to B$15,000 that will cover legal fees, property valuation and the costs of MRTA (Mortgage Reducing Term Assurance)." commented Lyndsay Rajah, Head of Retail Banking and Wealth Management, HSBC Brunei.

"With the largest number of home loan specialists in Brunei, potential home buyers can be at ease, as our specialists will be able to assist them with a hassle-free home loan application process by providing them with end-to-end professional services,"

Aside from its flexibility and straightforwardness, the HSBC Home Loan also has a fast approval process with conditional approval within 24 hours with full documentation. "To ensure a smooth process, documentation that customers would need to provide are Brunei Identification Card or passport, latest salary slip (last 3 months for non-HSBC customers), 6 months Bank Statements (for non-HSBC customers only), details of Property (Copy of Land Title Deed and/or Copy of House Plan and Indicative Valuation of Property)," Lyndsay further added.

It is common to shop around for the best mortgage deals - and the decision to work with your chosen mortgage provider is determined by a number of factors.

For many people, pricing is a key factor as it directly impacts the cost of your mortgage payments. Apart from HSBC's My Home Plan, HSBC also has flexible mortgage plans for customers to choose between a fixed monthly repayment plan or reducing monthly repayment plan to suit their needs and budgets.

While pricing is an important consideration, this is only a part of the overall mortgage proposition and people can benefit from looking at other service elements such as loan approval processing time and the ease and convenience of application, quality of service and advice from their relationship manager or loan officer, miscellaneous fees and others. HSBC considers a customer's mortgage as part of the total relationship, allowing its customers to experience a wider range of banking and wealth management benefits, for example, as part of the Premier proposition and its global wealth management service.

"Buying your first home is more than a mortgage. It is an investment for the future, the foundation of building your wealth. Therefore you would like to be with a provider that will look after a broader range of your retail banking and wealth management needs for the long term. As your life goals change, your financial needs will also evolve. You will need to plan for other needs such as saving for your children's education, retirement and other day to day and emergency expenses. Working closely and regularly with a trusted partner can help provide a broader view of your financial position and help you find the appropriate solutions to manage and grow your wealth." remarked Lyndsay Rajah.

HSBC's Home Loan Centres are strategically located at Gadong, Serusop and Kuala Belait. Customers who would like to find out more on the HSBC Home Loan are welcome to visit any of the Home Loan Centres or log on to www.hsbc.com.bn.

FUN-FILLED DAY AT HSBC CARNIVAL

Friday, 25th January 2013

Laughter and shrieks of joy echoed HSBC Gadong branch last Sunday as it hosted a fun-filled carnival in appreciation towards their customers. Customers came with their families and were greeted by the Senior Managers and staff of HSBC.

Lyndsay Rajah (4R) with Senior Managers and staff of HSBC at the Carnival

"This Carnival is one of the many ways to show our appreciation for your loyalty and support towards HSBC throughout the years," said Lyndsay Rajah, Head of Retail Banking and Wealth Management of HSBC Brunei, in her welcoming remarks. âThis is also to give us an opportunity to talk to you outside the banking hall and at the same time to have some fun!" she further commented.

Some of the activities at HSBC Carnival

During the Carnival, customers only needed to flash their HSBC Debit or Credit Cards to receive food coupons. Amongst the fun activities, customers had the opportunity to test their luck and skills at the "Wheel of Fortune", "Mini Golf Putting", Colouring Contest, "Let's Fish", to name a few. The day was filled with family-oriented activities, and winners from the games brought home exclusive HSBC merchandises.

Dk Hamidah Pg Hj Othman (Far Right), Head of Customer Value Management, presenting prizes to the winners

"The Carnival also marks the launch of our Customer Service Campaign which will run until 01 February 2013, at all our branches including HSBC Finance," shared Lyndsay Rajah. As HSBC strives to continuously improve on their customer's experience, the Customer Service Campaign aims to obtain feedback from their customers. Customers are also invited to vote for their best servicing HSBC branch and employee during this campaign period.

Following the success of the Carnival, HSBC is hosting another customer appreciation event held at all HSBC branches including HSBC Finance on Friday, 25 January 2013 during banking hours. Customers are encouraged to visit their nearest branch and join in on the fun activities that await them.

BE A WINNER WITH HSBC

Wednesday, 23rd January 2013

HSBC continues to give away prizes to its customers with the start of the New Year. Recently, over 30 lucky customers went home with a variety of prizes they won from the respective "Boost Your Financial Health and Wealth" campaign as well as the latest card promotion they participated in.

Lyndsay Rajah, Head of Retail Banking and Wealth Management of HSBC Brunei, was present to give away the prizes to the final lucky winners of the "Boost Your Financial Health and Wealth" campaign. Young Chee Yen and Miss Jong Hwee Yon won BND300 cash each, Awg Dullah Haji Saban won a CBTL™ Kaldi machine, Mr Lim Fang Cheng and Mr Grenville Chaganis / Mrs Alice E Chaganis will each enjoy dining at RBC with a BND100 voucher they received while Mr Muhammad Isamuddin Mohamed Osman won a dining voucher worth BND100 at Savy's, Mr Lien Kok Yow and Mrs Aye Aye Moi will experience a relaxing retreat at the Empire Hotel & Country Club.

Lyndsay Rajah (5R) and Andy Yong (2L), Area Manager BSB and the lucky winners from HSBC's "Boost Your Financial Health and Wealth" campaign.

In addition, Pengiran Sabtu Pengiran Hj Yusof won himself exercise equipment; Mr Yeoh Guan Hock won a fruit basket complete with a recipe book; Mrs Law Hui Yun and Ms Lee Sie Phui each won a three-month gym package at JPMC fitness centre; Mr Mulyadi Suhaili and Awg Ahmad Suhaimi Abu Hashim received a free health screening package at JPMC each; Mr Kenny Tchung Boon Chai and Rozi Abd Razak won a Philips Avance Collection Juicer each; Md Asri Muhammad Philips won a Viva Collection Airfryer; Mrs Lee Siew Ling, Mdm Lim Hui Ngo and Mr Siah Beng Fui won shopping vouchers worth BND200 each; Ms Goh Wern Yit and Mr Su Ting Ping will be receiving pampering and rejuvenating treatment at Thann Spa Sanctuary; Saly John won an exclusive Sports merchandise bag; Md Ismail Abd Razak Sidi won a Usqueez from Osim; and Mr Lim Chee Chong won an Xbox complete with fitness games.

Group photo of Lyndsay Rajah (4L) with the weekly winners from HSBC's latest Card promotion.

There were also more rewards given away to HSBC customers who made purchases with their HSBC Visa Debit Card or Credit Card. Mr Chua Sze Boo, Mr Syed Ibrahim Abdul Latheef, Miss Tiong Li Voon, Mr Graham Mcdougall, Miss Hazlinah Hj Md Salleh, Mrs Chow Ping Chen Anne, Hj Nasir Momin, Mr Storah Simon Nicholas, Mr Clive Joseph Garcia Jaena, Pg Norulshahimmah Pg Ibrahim, Awg Ashraf Fuad Hj Md Yaakub and Mr Michael Raymond Price received BND300 each as they won the weekly draw prizes from HSBC's latest card promotion. With this promotion, customers will have the chance to win the weekly draw prizes of BND300 and being entered into the grand draw to win the top three prizes of BND2,500 as the third prize, BND4,500 as the second prize and BND6,500 as the grand prize. From now until 28 January 2013, each transaction made with the HSBC Visa Debit Card or Credit Card will earn customers one chance towards these lucky draw prizes.

For more information on HSBC's current promotions, please visit www.hsbc.com.bn.

HSBC Giving Back To The Community

Tuesday, 22nd January 2013

As one of the world's leading financial institutions in Brunei, HSBC plays a significant role in giving back to the community through various activities and programmes which range from family-led charity events to donations of non-perishable food items, funds and toys to charitable organisations as well as volunteering in various projects nationwide.

Liza Kamarudin, the newly appointed Manager Corporate Sustainability of HSBC Brunei shared that HSBC firmly believes in investing in three main areas, that is the community, environment and education. "We believe that everyone should have access to education, because it provides opportunities and drives economic development. We also believe that everybody should be able to live in an environment that ensures a better quality of life. That's why we ensure that most of our community investment activities go towards supporting educational and environmental causes."

Community

In 2012, HSBC hosted one of the largest charity events, HSBC Walk Run Cycle (WRC), with a record-breaking 10,000 participants. Supporting the Brunei Governmentâs aspiration in mind, HSBC WRC is a family-oriented event aimed to raise awareness and funds sequentially providing training and education towards special needs children of Brunei Darussalam. The fees and donation received from the HSBC WRC charity event, through generous sponsors and members of the public that amounted to over BND280,000.00 was channelled towards four beneficiaries; SMARTER (BND70,000.00), Pusat Ehsan Al-Ameerah Al-Hajjah Maryam (BND70,000.00), Centre for Children with Special Needs (BND70,000.00) and Learning Ladder (BND20,000.00). The remaining funds were donated to RIPAS Hospital Bandar Seri Begawan, Suri Seri Begawan Hospital and Pengiran Muda Mahkota Pengiran Muda Haji Al-Muhtadee Billah Hospital in the form of educational toys worth over BND10,000.

HSBC WRC saw a sea of red at the event

HSBC also organised a series of blood donation drive throughout the year which was with strong participation from HSBC employees, customers as well as members of the public. In addition, HSBC introduced the 'Warga Emas' express queue that reduced the waiting time of HSBCâs senior citizen customers.

Proud donors giving back to their community

Environment

In support of World Water Day 2012, HSBC Brunei pledged to reduce its annual water consumption by 30,000 litres. One of the ways HSBC did this was through a simple, low cost and easy-to-install device called the 'Thimble'. The Thimble is a flow restrictor that replaces the rubber seal in a conventional water faucet and can be easily installed with simple tools.

"Thimble" a simple, low cost and easy-to-install device for water conservation.

Additionally, to promote awareness on the importance of water, Water Services Section of the Public Works Department (Jabatan Kerja Raya), Ministry of Development hosted a series of activities at Waterfront, Bandar Seri Begawan on 22nd and 23rd March 2012. One of the featured activities during the World Water Day event was the "Waterless" charity car wash which was jointly supported by HSBC and RF Slick.

Education

HSBC also shows continuous support towards education for the younger generation. The HSBC Young Entrepreneur Challenge (YEC) was one of the programmes that focuses on helping the youth become business leaders of the future. This programme offers participants an opportunity to learn business discipline in an open competition and to develop innovative business plans. It aims to cultivate and inspire young people's interest in entrepreneurship, enhance their business acumen and develop their personal strengths.

Group photos of participants of HSBC YEC, judges and Peter Wong, CEO of HSBC, Asia Pacific

Additionally, as part of HSBC's initiatives to promote financial knowledge, HSBC Brunei is also proud to support the Junior Achievement (JA) Programme which was launched by the Brunei Economic Development Board (BEDB) recently. JA educates students about the workforce readiness, entrepreneurship and financial literacy through a practical and hands-on programme.

HSBC Hong Kong staff volunteered in JA Programme

Earlier in 2012, HSBC donated a BND10,000.00 education grant to Chung Hua Middle School in conjunction with its 90th Anniversary celebration. The bank also launched Future First, its flagship education programme that provides access to education and teaches life skills to disadvantaged children. HSBC also supports and invest many community and environmental related projects, such as Princess Rashidah Young Nature Scientist Award (PRYNSA) which educates the young generation in the field of nature science.

For 2013, HSBC looks forward to more successful programmes with the support of its customers and the public. For more information about HSBC's Corporate Sustainability activities and events, please visit www.hsbc.com.bn/1/2/about-hsbc/corporate-sustainability.

FUN, GAMES AND PRIZES AT HSBC CARNIVAL

Monday, 21st January 2013

Fun activities and prizes await HSBC customers at the HSBC Carnival. To show their appreciation towards their customers, HSBC is inviting their customers to join the HSBC Carnival Fair on Sunday, 20 January 2013 at HSBC Gadong Branch from 10:00 am until 4:00 pm.

Lyndsay Rajah, Head of Retail Banking and Wealth Management said, "This HSBC Carnival is one of our many ways to thank all our customers for their support and loyalty throughout the years. There will be fun activities for the whole family as well as exciting prizes to be won!"

"I'm also pleased to announce that this HSBC Carnival marks the launch of our Customer Service Campaign which will start from 20 January until 01 February 2013. This campaign is to obtain our customer's feedback so we can continuously improve our customer's experience with us. Customers may also vote their best servicing HSBC branch and employee during this campaign period," she further added.

HSBC, in its continuous commitment, strives towards providing its customers with the best customer experience as well as guiding them towards achieving their financial goals. And in its pursue to help their customers achieve their goals and realise their ambitions, HSBC offers its customers, apart from free financial health check, a comprehensive range of products and services to suit their needs.

HSBC STARTS THE NEW YEAR WITH REWARDS

Tuesday, 08th January 2013

Lyndsay Rajah presenting prizes to lucky winners

HSBC welcomes the New Year by rewarding another twenty customers through its "Boost Your Financial Health and Wealth" campaign which concluded recently. The campaign focused on the importance of being financially healthy, and during the campaign period gave away a total of 65 refreshing prizes to its lucky customers.

Lyndsay Rajah presenting prizes to lucky winners

Lyndsay Rajah, Head of Retail Banking and Wealth Management, was present to give away the prizes to the twenty delighted customers. Tzy Cherng Lim and Anand Balakrishnan won RBC dining vouchers worth BND100 each, Omar Yusof and Hon Swee San won Savy's dining vouchers worth BND100 each, Lee Kui Jak/Yong Nam Hin/Yong Nam Shin/Yong Siew Yin and Hj Zainal A Md Daud/Md Fawzi Hj Zainal Abidin won shopping vouchers worth BND200 each, Low Eng Leng and YAM Pengiran Ratna Wijaya Brigedier Jeneral (B) Pengiran Haji Hasnan Bin Pengiran Ahmad won BND300 cash each while Jahidin Adi won a fruit basket complete with a recipe book.

Group photo of Lyndsay Rajah (3R) with lucky winners from Boost Your Financial Health and Wealth campaign

Mr Shameem Ahmad and Lau Jyy Yun/Lim Bee Tin won themselves a Thann Spa Sanctuary spa package each, Mohammad Ubaidy Bin Umbu won a Urelax Osim product, Yap Bee Hong/Chua Jun Shee won an airfryer, Pui Vui Fatt/Oie Loui Chong and Mr Chieng Hock Hee won an exclusive sports bag each, Rosalind Chia Foong Yin/John Chia won a three-month gym package at Jerudong Park Medical Centre, Jovic Tangan Ladera and Norazmesah Nurul Iswadi each won a retreat to the Empire & Country Club Hotel, Mdm Han Kin Kin@Hang Kin Kin won a CBTL Kaldi machine and Kartinorhanizan Kapli won a Phillips Steamer.

"Your Health is your Wealth," said Lyndsay Rajah. "With a community that is increasingly health conscious, HSBC launched a campaign that gave away refreshing rewards ranging from exercise equipments to a get-away retreat at the Empire Hotel & Country Club. We will continue to reward our customers this year through various offers and promotions as well as provide them with quality service and convenience when utilising our products and services. And with our team of experts, we will also continue to invite the public to have their free financial check so that they will be able to protect their loved ones as well as plan for their future, worry-free."

Customers can still benefit and get rewards from HSBC's latest card promotion. Until 28 January 2013, customers who charge their spending made locally or overseas to their HSBC Credit Card or Debit Card will stand a chance to win more prizes.

Whatever your new years' resolution is for 2013, be it joining a gym membership, spending more quality time with your family in a long vacation or even starting a family, customers will find ease in doing so with the top three prizes on offer in HSBC's latest card promotion. With this latest promotion, customers will have a chance to win the weekly draw prizes of BND300 as well the chance to be entered into the grand draw to win the top three prizes of BND2,500 as the third prize, BND4,500 as the second prize and BND6,500 as the grand prize. Each transaction made will earn customers one chance towards the lucky draw prizes. For more information on HSBC's current promotion, please visit www.hsbc.com.bn.

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