About BCT
                                                               
                                                               

                                                              Our Group

                                                              Founded on Quality

                                                              BCT Group comprises BCT Financial Limited (“BCTF”) and Bank Consortium Trust Company Limited (“BCTC”), which are wholly owned subsidiaries of Bank Consortium Holding Limited. Bank Consortium Holding Limited was founded in 1999 by a group of renowned banks in Hong Kong. The shareholder group currently comprises 8 reputable financial institutions with long history of serving the public, namely Asia Financial, Chong Hing Bank, Dah Sing Bank, Fubon Bank, ICBC (Asia), OCBC Wing Hang, Shanghai Commercial Bank and CMB Wing Lung Bank. As of 31 December 2021, the total assets and total equities of BCT’s shareholder group exceeded HK$2,514 billion and HK$331 billion respectively. Currently, the servicing banks of BCT Group had an aggregate of 295 branches in Hong Kong.

                                                              BCTF acts as sponsor and distributor of pension products whilst providing customer service, investment planning services (IPS) and retirement planning services (RPS) as well as investor education. BCTC started off with a dedicated mission: to provide best-in-class MPF products and solutions for the Hong Kong working population, while expanding its one-stop services of trustee, administrator and custodian for pensions and investment funds. Today, BCT Group is a major MPF product provider and one of the largest trust companies in Hong Kong, focusing on the provision of pension (including MPF & ORSO) products and asset servicing solutions. As of 31 December 2021, our assets under administration exceeded HK$210 billion, serving over 1.2 million member accounts.

                                                              Driven by a culture of integrity and professionalism, we strive to deliver excellence in our work and take one step further to ensure our services are attuned to our members’ needs in delivering a seamless customer experience via a powerful e-platform and experienced and committed staff.

                                                              Commitment & Principles:
                                                              Bringing Value
                                                              Innovation and inspirations through insight and services.
                                                              Connectivity
                                                              Connectivity with clients, taking one step further in delivering client-centric solutions
                                                              Trusted
                                                              A reliable and trusted partner to stakeholders.

                                                              Giving Back to Community

                                                              Our community is where we are, and that’s why we focus heavily on giving back and supporting those in need. From establishing BCT Next Academy (formerly "BCT Third Age Academy", which encourages continuing education and lifelong learning among people at different life stages), to supporting charity events and volunteering at community organisations, we understand the importance of a thriving and sustainable community and how it is conducive to a prosperous society. Our expertise in retirement planning, advocacy for financial literacy and our care for the community have garnered BCT numerous awards, a validation that we are a company putting members and the community first. We will be there for our members, “heart to heart, hand in hand”, creating a quality retirement for them and their loved ones.

                                                              Operators of an MPF Scheme

                                                              Plan Sponsor BCTF
                                                              Trustee BCTC
                                                              Administrator BCTC
                                                              Custodian BCTC
                                                              Fund Manager
                                                              Plan Sponsor BCTF
                                                              • Determine pricing structure & fee discount for clients
                                                              • Design MPF scheme including selecting fund managers & investment choices for members
                                                              • Establish performance benchmarks for constituent funds
                                                              • Promote / market the scheme and provide member service
                                                              Trustee BCTC
                                                              • Perform fiduciary & statutory duties, diligently and responsibly
                                                              • Appoint administrator, fund manager & custodian, oversee & monitor such service providers
                                                              • Hold title to trust assets on behalf of scheme members & authorise benefit payments
                                                              • Regulatory & compliance reporting
                                                              Administrator BCTC
                                                              • Keep proper accounts & records of scheme / members / investment funds
                                                              • Provide members with benefit statements and relevant information on a regular basis
                                                              • Calculate net asset value per unit of trust funds
                                                              Custodian BCTC
                                                              • Safekeep underlying securities & cash
                                                              • Settle purchase / sale of securities
                                                              • Act on trustee’s instruction
                                                              • Appoint appropriate sub-custodian
                                                              Fund Manager
                                                              • Provide independent investment management
                                                              • Formulate investment policy, strategy & benchmarks
                                                              • Comply with respective investment guidelines / regulations & investment policies
                                                              • Monitor investment restrictions
                                                              Plan Sponsor BCTF
                                                              Plan Sponsor BCTF
                                                              • Determine pricing structure & fee discount for clients
                                                              • Design MPF scheme including selecting fund managers & investment choices for members
                                                              • Establish performance benchmarks for constituent funds
                                                              • Promote / market the scheme and provide member service
                                                              Trustee BCTC
                                                              Trustee BCTC
                                                              • Perform fiduciary & statutory duties, diligently and responsibly
                                                              • Appoint administrator, fund manager & custodian, oversee & monitor such service providers
                                                              • Hold title to trust assets on behalf of scheme members & authorise benefit payments
                                                              • Regulatory & compliance reporting
                                                              Administrator BCTC
                                                              Administrator BCTC
                                                              • Keep proper accounts & records of scheme / members / investment funds
                                                              • Provide members with benefit statements and relevant information on a regular basis
                                                              • Calculate net asset value per unit of trust funds
                                                              Custodian BCTC
                                                              Custodian BCTC
                                                              • Safekeep underlying securities & cash
                                                              • Settle purchase / sale of securities
                                                              • Act on trustee’s instruction
                                                              • Appoint appropriate sub-custodian
                                                              Fund Manager
                                                              Fund Manager
                                                              • Provide independent investment management
                                                              • Formulate investment policy, strategy & benchmarks
                                                              • Comply with respective investment guidelines / regulations & investment policies
                                                              • Monitor investment restrictions

                                                              Operators of an MPF Scheme

                                                              Plan Sponsor BCTF
                                                              • Determine pricing structure & fee discount for clients
                                                              • Design MPF scheme including selecting fund managers & investment choices for members
                                                              • Establish performance benchmarks for constituent funds
                                                              • Promote / market the scheme and provide member service
                                                              Trustee BCTC
                                                              • Perform fiduciary & statutory duties, diligently and responsibly
                                                              • Appoint administrator, fund manager & custodian, oversee & monitor such service providers
                                                              • Hold title to trust assets on behalf of scheme members & authorise benefit payments
                                                              • Regulatory & compliance reporting
                                                              Administrator BCTC
                                                              • Keep proper accounts & records of scheme / members / investment funds
                                                              • Provide members with benefit statements and relevant information on a regular basis
                                                              • Calculate net asset value per unit of trust funds
                                                              Custodian BCTC
                                                              • Safekeep underlying securities & cash
                                                              • Settle purchase / sale of securities
                                                              • Act on trustee’s instruction
                                                              • Appoint appropriate sub-custodian
                                                              Fund Manager
                                                              • Provide independent investment management
                                                              • Formulate investment policy, strategy & benchmarks
                                                              • Comply with respective investment guidelines / regulations & investment policies
                                                              • Monitor investment restrictions