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Photo shows attending guests of Fixed Adjustable Rate Mortgage Programme Signing Ceremony (back row, from left ): Mr Jammy Chen, General Manager, Consumer Lending, Consumer Banking, Standard Chartered Bank (Hong Kong); Mr John Lam, Executive Director, Dah Sing Bank; Mr Derek S K Chung, Senior Vice President, Deposit and Secured Loans, Consumer Banking, DBS (Hong Kong); Mr Stanley Y F Wong, Director and Deputy General Manager, ICBC (Asia); Ms Miranda Kwok, Director and Executive Vice President, Head of Consumer Banking Group; Mr Frank Wang, Executive Director and Deputy Chief Executive, Wing Hang Bank. (front row, from left): Mr Joseph Cho, Deputy General Manager and Head of Branch Network and Direct Banking, Hang Seng Bank; Ms Lilian Kao, Senior Manager Cards and Consumer Assets Business, Personal Financial Services Hong Kong, HSBC; Mr Peter S T Pang, Executive Director, Hong Kong Mortgage Corporation; Mr James H Lau Jr, Chief Executive Officer, Hong Kong Mortgage Corporation; Ms Wendy Y S Mui, Head of Personal Banking (Deputy General Manager), Personal Banking and Product Management, Bank of China (Hong Kong); Mr Simon C K Lau, General Manager and Head of Personal Banking Division, Bank of East Asia.
 
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