星期美點 WEEK 39(21/9 ~ 27/9)

• 8號風球下又早放了個零鐘, 感覺上今年打風放假的日子破哂紀錄, 至少有三四次, 絕對是一件好事
• 《G1 Jocky》又出了新版, 對應Wii Fit塊板, 不過唔多見有舖頭入貨, 揾咗兩日都揾唔到, 最後終於在黃金找到, 盛惠$380, 好貴又未有時間玩
• 行運一條龍, 連趕三份report without any query, 艱難過玩過三關
• 笑料一則, 香港人以誐傳誐的羊群心態勁到變國際笑料, 好彩年初cut埋BEA account, 唔係自己隨時成為其中一羊
  
  SEPTEMBER 24, 2008, 7:50 A.M. ET
  
  Bank of East Asia Depositors
  Queue for Funds after Rumors
  
  HONG KONG -- Depositors swarmed Bank of East Asia Ltd. branches to withdraw funds Wednesday, following text-message rumors about the lender's stability that sent its shares sharply lower despite firm denials by the bank and Hong Kong's top financial regulators.
  
  "I can confirm, categorically, the rumors are totally unfounded," Hong Kong Monetary Authority Chief Executive Joseph Yam told reporters. Bank of East Asia offices stayed open late to give customers their money.
  
  Mr. Yam said Bank of East Asia was highly capitalized and highly liquid, with minimal exposure to the troubles at Lehman Brothers Holdings Inc., the former Wall Street powerhouse being dismantled in U.S. bankruptcy court. Mr. Yam said depositors are well protected throughout Hong Kong's banking system.
  
  Bank of East Asia executives said text message rumors about instability at the lender, Hong Kong's fifth largest by assets, began circulating Monday. The bank informed the HKMA and Hong Kong police but initially didn't go public to deny the rumors because executives feared that would lead to panic withdrawals.
  
  "The rumors took various forms," said Bank of East Asia's deputy chief executive, Joseph Pang, at a news conference. "Some said the company's financials were problematic, and others said the government is about to take over our bank. Some others said there is a 10,000 Hong Kong dollars (US$1,282) limit to each withdrawal. All of these are baseless."
  
  Hong Kong Financial Secretary John Tsang also came to the bank's defense, calling the rumors "unfounded" and saying Hong Kong's banking system is well capitalized and sound.
  
  Bank of East Asia's shares fell as much as 11.3% in the early afternoon, but the losses were pared after the bank and the HKMA denied the rumors. The blue-chip lender closed 6.8% lower at HK$25.60, on a day when the benchmark Hang Seng Index rose 0.9%.
  
  Bank of East Asia posted statements in branch windows proclaiming it was sound. Some depositors read the statements and accepted the assurance, so they left without withdrawing money. Others didn't believe the bank and said they would take out their life's savings.
  
  The Lehman bankruptcy stirred protests earlier in Hong Kong by individual investors in mini-bonds who had believed their money was safe but instead suffered losses.
  
  "After the Lehman Brothers incident...sentiment has become very fragile," said a businessman outside a bank branch who identified himself only by the surname Chan. "So whenever there's any sign of difficulty in another financial institution, they'd come lining up to withdraw their money," said Mr. Chan, who had come to the bank for a routine transaction but gave up because of the long lines.
  
  A mainland Chinese depositor, holding a bag and identifying himself as Mr. Zhang, said he had withdrawn HK$1 million. "I came down from mainland China this morning to get some money out of my account," Mr. Zhang said outside the bank's headquarters, with a line of depositors stretching around the block.
  
  "I wasn't aware of the news Bank of East Asia is in trouble, I just wanted to get some money out. I came to get around HK$40,000, but when I realized the situation with the bank, I got HK$400,000." Asked why he had just lowered the amount of money he claimed was in the bag, Mr. Zhang said: "I don't want to get robbed."
  
  A policeman on duty outside the bank to maintain order echoed concerns that some of the people making big withdrawals could be taking a risk by carrying so much cash. But many were willing to take that risk.
  
  "I have worked eight years and put all my money into BEA," said a woman in the line who wouldn't give her name. "I don't want to lose all my savings."
  
  BEA's Mr. Pang said that despite the long lines, the amount withdrawn was "really small" because "those who queued up are mom and pop depositors." Mr. Pang didn't give an amount but said "no corporate clients have demanded withdrawals."
  
  Mr. Pang said the bank's capital adequacy ratio of 14.6% was well above required levels.
  
  Mr. Yam said the HKMA, Hong Kong's de facto central bank, would be ready to provide liquidity to Bank of East Asia if needed, but that no such request had been made.
  
  Mr. Pang said Bank of East Asia's exposure to Lehman and American International Group Inc., the insurer that was bailed out by the U.S. Federal Reserve, came to HK$472.7 million in total, or just 0.12% of the bank's HK$396.6 billion total assets.
  
  Mr. Pang said the rumors didn't appear to have been "malicious" but he wouldn't discuss them further. Mr. Yam said he had no details about the rumors and would let the Hong Kong police investigate.
  
  Hong Kong police said in a statement the case was under investigation but no one had been arrested. The police said that transmitting "a false message" in Hong Kong can be a crime.
  
  Fund managers said the speed with which a few text messages could have escalated to a bank run reflects the current jittery climate that has gripped financial markets, with no end in sight.
  
  "Hong Kong's regulation over banks is really tight, so the chances of having a bank go bust is very slim," said Francis Lun, a general manager with Fulbright Securities. "The problem is that there were recent instances where big, global banks vanished overnight, so every one just got panicky."
  —Robert Li, Jackie Cheung and Chester Yung contributed to this article.
• 高登友果然好建議, 大學分行都諗到, 唔知離島區分行又如何?
  溫馨提示：想提款的東亞存戶，可考慮各大學的分行
  大學分行處理的客戶，幾乎只有大學師生。雖然這些分行平日接觸師生客，但應該會樂意替各位「遠道而來」的貴賓服務。#hehe#
  
  香港大學分行
  莊月明文娛中心2樓203室
  簡評：近年經過一番裝修，而且位置偏遠，實在是一流之選。
  
  香港浸會大學分行
  九龍塘浸會大學道9號香港浸會大學賽馬會師生活動中心地下G02室
  簡評：和港鐵站有一段距離，要乘車方可到達，不俗之選。
  
  香港理工大學分行
  九龍紅磡香港理工大學邵逸夫樓VA210室
  簡評：理工大學即是紅磡站，缺地利優勢。但大家展示破斧沉舟之勢的話，各位學生哥仔肯定不敢排隊啦。
  
  嶺南大學分行
  青山公路8號嶺南大學主樓地下13號
  簡評：和理大的相若，最重要是破斧沉舟之勢。
  
  香港科技大學分行
  新界西貢清水灣道香港科技大學廣場入口地下
  簡評：無敵之選，必須從遠方乘車到達，佔盡天時地利人和。
  
  香港中文大學分行
  沙田香港中文大學李慧珍樓地庫LG01室
  簡評：地利一般。
  
  來源：東亞銀行分行資料 (分行名稱和地址)
  http://www.hkbea.com/hk/pb/branch_and_atms/branches_and_supremegold_centres/index_tc.htm
  
  注意：此網上留言除分行名稱和地址外，即標題、描述、意見、簡評部份由本人自創，和東亞銀行無關。
• Inter 1-0 Leece
  Cruz 79 min 有士哥
  J辛的第600場代表國米比賽, 值得致敬
  
• Sony 都幾得, 4月中已經買咗的MP3到25/9至收到到貨通知, 都唔知好嬲定好笑?
  
  您好！
  
  多謝您較早前選擇了Sony Style 到貨通知服務。您選擇的貨品(NWZ-A726) *已經在本店有售。
  
  Sony Style 網上商店：
  
  
  如有任何查詢，我們歡迎您 致電Sony Style 24小時產品詢問及銷售熱線（香港）：2345-2966。
  
  Sony(新力)香港有限公司
  
  *貨品將以先到先得形式發售，本電郵將不是作預留貨品之用途。
  如對有任何爭議，Sony(新力)香港有限公司將保留最終決定權。
  
• 美X火煱新的北海道牛奶勁辣湯底, 有牛奶味不過食唔到辣味, 不過不失啦!