Raymond Or

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Raymond Or
Native name Chinese: 柯清輝
Born 1949 (age 68–69)
Xiamen, Fujian Province, China
Alma mater University of Hong Kong
Occupation Banker

Raymond Or Ching-fai (Chinese: 柯清輝), SBS, JP (born 1949 in Xiamen, Fujian, China) is the Vice-Chairman of G-Resources Group (SEHK1051[1] and the Vice-Chairman and Chief Executive Officer of China Strategic Group (SEHK235), [2] and the chairman of Esprit Holdings.

He was the Vice-Chairman and Chief Executive Officer of Hang Seng Bank, from which he retired in May 2009, and was succeeded by Margaret Leung Ko May-yee.[3]

Early life[edit]

In 1949 Or was born in Xiamen, Fujian Province, China. In 1956 Or emigrated to Hong Kong.


In 1972, Or graduated with a Bachelor of Social Sciences degree in Economics and Psychology from the University of Hong Kong. [4]


Or is married and he has four children.


  • 1972 Or started working at HSBC
  • 1980: Promoted to Credit Manager in Corporate Banking Division in HSBC
  • 1995: Promoted to Assistant General Manager and Head of Corporate and Institutional Banking in HSBC
  • 2000: Appointed to General Manager and then Group General Manager of HSBC
  • 2005: Appointed to Vice-Chairman and Chief Executive of Hang Seng Bank
  • 2009: Retired from Hang Seng Bank