[EN] Misuse of vulnerable customers' funds https://hkbedc.icac.hk/en/resources/case_studies/18 Intro: A relationship manager of a bank wrongly executed a client's investment instruction leading to a loss. To cover up, he transferred money from an account of an elderly client by using the signed blank instruction form entrusted to him and forging bogus deposit advices to deceive the elderly client. https://hkbedc.icac.hk/cache/img/15a3dbfe5ddc0704d1db86bcfdc7c4be.jpg [ZH-HANT] 濫用高風險社群客戶的資金 https://hkbedc.icac.hk/zh-hant/resources/case_studies/18 Intro: 一名銀行客戶經理錯誤執行客戶的投資交易指示導致損失。 為了掩飾，客戶經理利用另一年長客戶給他的空白指示表格，從其定期存款帳戶中轉移資金，並偽造虛假定期存款通知書以欺騙該客戶。 https://hkbedc.icac.hk/cache/img/15a3dbfe5ddc0704d1db86bcfdc7c4be.jpg [ZH-HANS] 滥用高风险社群客户的资金 https://hkbedc.icac.hk/zh-hant/resources/case_studies/18 Intro: 一名银行客户经理错误执行客户的投资交易指示导致损失。 为了掩饰，客户经理利用另一年长客户给他的空白指示表格，从其定期存款帐户中转移资金，并伪造虚假定期存款通知书以欺骗该客户。 https://hkbedc.icac.hk/cache/img/15a3dbfe5ddc0704d1db86bcfdc7c4be.jpg

[EN] Accepting reward without principal's permission https://hkbedc.icac.hk/en/resources/case_studies/19 Intro: A relationship manager of a bank was rewarded with monetary bonuses by an acquainted client for providing him favours such as offering latest investment information and executing investment transaction in first priority. https://hkbedc.icac.hk/cache/img/a9dfc2f08d449f2a66bebcbac3fda9ad.jpg [ZH-HANT] 未經主事人許可接受報酬 https://hkbedc.icac.hk/zh-hant/resources/case_studies/19 Intro: 銀行客戶經理為一位相熟客戶優先提供投資信息和執行其投資交易，並獲得該客戶的獎賞作報酬。 https://hkbedc.icac.hk/cache/img/a9dfc2f08d449f2a66bebcbac3fda9ad.jpg [ZH-HANS] 未经主事人许可接受报酬 https://hkbedc.icac.hk/zh-hant/resources/case_studies/19 Intro: 银行客户经理为一位相熟客户优先提供投资信息和执行其投资交易，并获得该客户的奖赏作报酬。 https://hkbedc.icac.hk/cache/img/a9dfc2f08d449f2a66bebcbac3fda9ad.jpg

[EN] Bribery during site inspection https://hkbedc.icac.hk/en/resources/case_studies/20 Intro: A senior credit manager and a credit manager noticed that the production equipment was out-dated during an inspection at a factory in Guangdong. The factory owner then offered them expensive watches and requested for a favour. https://hkbedc.icac.hk/cache/img/4765a11136753cfc471453f8755a326a.jpg [ZH-HANT] 實地視察期間受賄 https://hkbedc.icac.hk/zh-hant/resources/case_studies/20 Intro: 一高級信貸經理及一信貸經理在審查內地一廠房時發現生產設備陳舊，工廠東主於是送給他們昂貴手錶以取得協助。 https://hkbedc.icac.hk/cache/img/4765a11136753cfc471453f8755a326a.jpg [ZH-HANS] 实地视察期间受贿 https://hkbedc.icac.hk/zh-hant/resources/case_studies/20 Intro: 一高级信贷经理及一信贷经理在审查内地一厂房时发现生产设备陈旧，工厂东主于是送给他们昂贵手表以取得协助。 https://hkbedc.icac.hk/cache/img/4765a11136753cfc471453f8755a326a.jpg

[EN] Bribery for assistance in money laundering https://hkbedc.icac.hk/en/resources/case_studies/21 Intro: A bank manager, without the permission of the bank, accepted commission from a client as a reward for helping the client to perform suspicious transactions through an SME’s inactive account. https://hkbedc.icac.hk/cache/img/708dab1f34c37ea592daf170c4dfbda7.jpg [ZH-HANT] 協助清洗黑錢 https://hkbedc.icac.hk/zh-hant/resources/case_studies/21 Intro: 銀行經理未經銀行許可，接受客戶的佣金，協助對方利用不活躍戶口進行可疑轉賬。 https://hkbedc.icac.hk/cache/img/708dab1f34c37ea592daf170c4dfbda7.jpg [ZH-HANS] 协助清洗黑钱 https://hkbedc.icac.hk/zh-hant/resources/case_studies/21 Intro: 银行经理未经银行许可，接受客户的佣金，协助对方利用不活跃户口进行可疑转账。 https://hkbedc.icac.hk/cache/img/708dab1f34c37ea592daf170c4dfbda7.jpg

[EN] Administration of renovation contract in the Mainland https://hkbedc.icac.hk/en/resources/case_studies/22 Intro: A project manager of a bank accepted entertainment and free trips in the Mainland from the Mainland contractor. In return, he made a recommendation to the bank’s head office in Hong Kong to accept the contractor's substandard works and employed the same contractor to renovate other branches. https://hkbedc.icac.hk/cache/img/58875e1e0a4a7eb58555b5f0bf201921.jpg [ZH-HANT] 內地翻新工程合約的管理 https://hkbedc.icac.hk/zh-hant/resources/case_studies/22 Intro: 銀行經理在內地接受一承辦商的款待和免費旅行。 其後，他向銀行香港總部建議接納該承辦商不合符標準的工程，並僱用該承辦商翻新其他分行。 https://hkbedc.icac.hk/cache/img/58875e1e0a4a7eb58555b5f0bf201921.jpg [ZH-HANS] 内地翻新工程合约的管理 https://hkbedc.icac.hk/zh-hant/resources/case_studies/22 Intro: 银行经理在内地接受一承办商的款待和免费旅行。 其后，他向银行香港总部建议接纳该承办商不合符标准的工程，并雇用该承办商翻新其他分行。 https://hkbedc.icac.hk/cache/img/58875e1e0a4a7eb58555b5f0bf201921.jpg

[EN] Sales incentive scheme https://hkbedc.icac.hk/en/resources/case_studies/206 Intro: Jack was in a credit card sales team of a local bank. In order to meet sales target and win a handsome bonus, he used every means to persuade people to open a credit card account, disregarding any possible negative effects to the bank and the applicants. https://hkbedc.icac.hk/cache/img/d1c8506d5bb7c3d7d672448690d3dc9a.jpg [ZH-HANT] 促銷計劃 https://hkbedc.icac.hk/zh-hant/resources/case_studies/206 Intro: 偉明在一家本地銀行的信用卡推廣部工作，為了達成銷售目標及取得可觀獎金，他用盡辦法游說客戶開設信用卡戶口，甚至漠視對銀行及申請人所帶來的壞影響。 https://hkbedc.icac.hk/cache/img/d1c8506d5bb7c3d7d672448690d3dc9a.jpg [ZH-HANS] 促销计划 https://hkbedc.icac.hk/zh-hant/resources/case_studies/206 Intro: 伟明在一家本地银行的信用卡推广部工作，为了达成销售目标及取得可观奖金，他用尽办法游说客户开设信用卡户口，甚至漠视对银行及申请人所带来的坏影响。 https://hkbedc.icac.hk/cache/img/d1c8506d5bb7c3d7d672448690d3dc9a.jpg

[EN] Personal relationship affecting professional judgement https://hkbedc.icac.hk/en/resources/case_studies/178 Intro: Sam, a bank branch manager, agreed to help his old friend and client George to continue his bank loan by making a favourable recommendation to his bank despite George’s adverse financial situation. https://hkbedc.icac.hk/cache/img/4d1389ea7ec1f07ddd602c229750d5af.jpg [ZH-HANT] 私人關係影響專業判斷 https://hkbedc.icac.hk/zh-hant/resources/case_studies/178 Intro: 銀行分行經理國才答應協助老朋友兼客戶阿東繼續獲得銀行貸款，即使阿東的財務狀況欠佳，國才仍然向銀行提出對阿東有利的評估建議。 https://hkbedc.icac.hk/cache/img/4d1389ea7ec1f07ddd602c229750d5af.jpg [ZH-HANS] 私人关系影响专业判断 https://hkbedc.icac.hk/zh-hant/resources/case_studies/178 Intro: 银行分行经理国才答应协助老朋友兼客户阿东继续获得银行贷款，即使阿东的财务状况欠佳，国才仍然向银行提出对阿东有利的评估建议。 https://hkbedc.icac.hk/cache/img/4d1389ea7ec1f07ddd602c229750d5af.jpg

[EN] Conflict of interest and abuse of authority in granting credit facility https://hkbedc.icac.hk/en/resources/case_studies/180 Intro: Laura was a bank staff and also a director of a company owned by her paramour, Ricky. Laura approved an application for a credit facility by Ricky and it was later found that the application was supported by bogus documents. https://hkbedc.icac.hk/cache/img/2083e3b8fe9882ff96ba068478d8e99d.jpg [ZH-HANT] 利益衝突及濫用職權批核信貸 https://hkbedc.icac.hk/zh-hant/resources/case_studies/180 Intro: 銀行職員美美，亦在情夫家明開設的公司擔任董事。美美批核了家明的銀行信貸申請，後來銀行發現家明申請時遞交了虛假的證明文件。 https://hkbedc.icac.hk/cache/img/2083e3b8fe9882ff96ba068478d8e99d.jpg [ZH-HANS] 利益冲突及滥用职权批核信贷 https://hkbedc.icac.hk/zh-hant/resources/case_studies/180 Intro: 银行职员美美，亦在情夫家明开设的公司担任董事。美美批核了家明的银行信贷申请，后来银行发现家明申请时递交了虚假的证明文件。 https://hkbedc.icac.hk/cache/img/2083e3b8fe9882ff96ba068478d8e99d.jpg

[EN] Difficult decision in purchasing https://hkbedc.icac.hk/en/resources/case_studies/210 Intro: Edwin, the Assistant Purchasing Manager in a bank, was tasked to buy new printers for the computer centre. The sales representative offered Edwin a special commission if he agreed to buy a model that would soon be outdated. https://hkbedc.icac.hk/cache/img/103b09ffc8bb6d2c98e7d4b8a0ef7e2b.jpg [ZH-HANT] 困難的採購決定 https://hkbedc.icac.hk/zh-hant/resources/case_studies/210 Intro: 阿榮是一間銀行的助理採購經理，他被委派替銀行電腦中心購買一批新打印機。營業代表向阿榮提供特別佣金，希望阿榮購買一批快過時的打印機。 https://hkbedc.icac.hk/cache/img/103b09ffc8bb6d2c98e7d4b8a0ef7e2b.jpg [ZH-HANS] 困难的采购决定 https://hkbedc.icac.hk/zh-hant/resources/case_studies/210 Intro: 阿荣是一间银行的助理采购经理，他被委派替银行电脑中心购买一批新打印机。营业代表向阿荣提供特别佣金，希望阿荣购买一批快过时的打印机。 https://hkbedc.icac.hk/cache/img/103b09ffc8bb6d2c98e7d4b8a0ef7e2b.jpg

[EN] Confidential advice of value https://hkbedc.icac.hk/en/resources/case_studies/185 Intro: Peter, a bank manager, solicited an advantage from a money launderer from overseas for leaking confidential information and helping the latter to launder his money through accounts in his bank. https://hkbedc.icac.hk/cache/img/8893ddbd033bdbbab7631f3cbb879438.jpg [ZH-HANT] 提供銀行機密資料及協助清洗黑錢 https://hkbedc.icac.hk/zh-hant/resources/case_studies/185 Intro: 永倫任職銀行分行經理，平時喜歡到區內一間著名的夜總會消遣，因而認識夜總會領班康哥。由於永倫過度揮霍，經常入不敷支。 https://hkbedc.icac.hk/cache/img/8893ddbd033bdbbab7631f3cbb879438.jpg [ZH-HANS] 提供银行机密资料及协助清洗黑钱 https://hkbedc.icac.hk/zh-hant/resources/case_studies/185 Intro: 永倫任职银行分行经理，平时喜欢到区内一间著名的夜总会消遣，因而认識夜总会領班康哥。由于永倫过度挥霍，经常入不敷支。 https://hkbedc.icac.hk/cache/img/8893ddbd033bdbbab7631f3cbb879438.jpg