A Character Reference Letter For Bank is a crucial document in Hong Kong's banking ecosystem, typically required when individuals seek to establish or expand their banking relationships. The letter is used to support various banking applications, including account opening, loan requests, mortgage applications, or access to premium banking services. Written by a credible referee who can attest to the subject's character, the letter must comply with Hong Kong's Banking Ordinance and Personal Data (Privacy) Ordinance. It provides banks with independent verification of an individual's reliability, financial responsibility, and personal integrity, helping financial institutions meet their due diligence requirements under Hong Kong's anti-money laundering regulations. The document typically includes details about the referee's relationship with the subject, specific examples of the subject's character traits, and a professional endorsement of their trustworthiness.

1. Letter Header: Includes date, recipient bank's name and address, and proper reference numbers if applicable

2. Subject Line: Clearly states 'Character Reference Letter for [Subject's Name]' and any relevant reference numbers

3. Introduction: Identifies the referee, their professional position, and establishes their credibility to provide the reference

4. Relationship Context: Explains how long and in what capacity the referee knows the subject

5. Character Assessment: Specific examples and observations of the subject's reliability, integrity, and financial responsibility

6. Closing Statement: Strong endorsement and willingness to be contacted for further information

7. Signature Block: Referee's signature, printed name, professional title, and contact information