Grounded Ingenuity | Refined Results

Leveraging more than twenty years of experience serving clients in the financial sector, our firm has carved out a strong standing as the preferred organisation for businesses in search of tailored and inventive legal guidance.

We have been internationally recognized as a leading banking and finance practice by the International Financial Law Review 1000 (IFLR1000). Our corporate lawyers have acted for a wide range of clients in the banking industry, including corporate banks, merchant banks, investment banks and private banks.

We work closely with our clients in the banking sector and offer advice in relation to every aspect of our clients’ business, from complex strategic activities to day-to-day transactional matters.

WHAT WE CAN DO FOR YOU

Armed with deep insights into our client's industries, Timothy Loh LLP is ready to navigate you through the legal complexities with the following:

Regulatory Requirements

We excel in ensuring that your bank remains compliant with all relevant regulatory requirements.
Our extensive knowledge covers regulatory requirements and obligations under the following:
  • Banking Ordinance (“BO”)

  • Securities and Futures Ordinance (“SFO”)

  • The Hong Kong Monetary Authority (“HKMA”) Supervisory Policy Manual as well as various codes, guidelines and circulars issued by the HKMA and the Securities and Futures Commission (“SFC”)

AML/CTF

With regards to anti-money laundering protocols, counter terrorist financing and economic sanctions (“AML/CTF”), we ensure that clients are always informed and secure through:
  • Account opening procedures

  • Customer due diligence (“CDD”)

  • Know-your-client (“KYC”) policies

  • Procedures for the purpose of compliance with AML/CTF requirements and economic sanctions under Hong Kong law and regulatory guidance

  • Advice on Joint Financial Intelligence Unit (“JFIU”) reporting

  • Asset freezing obligations under Hong Kong AML laws

We will help you navigate these legal landscapes with integrity and commitment to clarity.

Provision of Credit

We represent creditors in the provision of credit, including in respect of the following:
  • Conducting borrower due diligence

  • Preparation and negotiation of bilateral and syndicated loan documentation, including the provision of legal opinions to support the provision of credit

  • Creation and perfection of security interests including fixed charges, floating charges, and mortgages, pledges, assignments by way of security and guarantees and indemnities as well as the registration of security interests with the Companies Registry and the Land Registry

We work towards pragmatic solutions to enable the deal to complete and to protect returns on your investment

Debt Restructuring

We are experienced at representing creditors in the restructuring of debt including:
  • Negotiated workouts

  • Schemes of arrangement

  • Receiver led hive-offs and spin-offs

Capital Markets

We provide legal support for debt capital market (“DCM”) and equity capital market (“ECM”) activities including in respect of:
  • Issuer due diligence

  • Deal structuring

  • Preparation of deal documentation including underwriting and placement agreements, trust deeds and deed polls, note instruments, offering documents and subscription agreements

We provide these services whilst maintaining a client-first approach. With us, you can expect innovative solutions tailored to your unique financial needs.

Debt Collection

Our proficiency extends to the collection of debt and the enforcement of loan covenants and security interests, including the following:
  • The preparation and service of statutory demands and petitions for bankruptcy and winding-up

  • Commencement of legal proceedings to enforce loan covenants

Regulatory Enforcement Action

We have extensive experience advising on regulatory enforcement action in connection with banking activities, including SFC investigations in respect of alleged sponsor failures

grounded regulatory

COMPLIANCE

We excel in ensuring that your bank remains compliant with all relevant regulatory requirements.
Our extensive knowledge covers regulatory requirements and obligations under the following:
  • Banking Ordinance (“BO”)

  • Securities and Futures Ordinance (“SFO”)

  • The Hong Kong Monetary Authority (“HKMA”) Supervisory Policy Manual as well as various codes, guidelines and circulars issued by the HKMA and the Securities and Futures Commission (“SFC”)

With regards to anti-money laundering protocols, counter terrorist financing and economic sanctions (“AML/CTF”), we ensure that clients are always informed and secure through:
  • Account opening procedures

  • Customer due diligence (“CDD”)

  • Know-your-client (“KYC”) policies

  • Procedures for the purpose of compliance with AML/CTF requirements and economic sanctions under Hong Kong law and regulatory guidance

  • Advice on Joint Financial Intelligence Unit (“JFIU”) reporting

  • Asset freezing obligations under Hong Kong AML laws

We will help you navigate these legal landscapes with integrity and commitment to clarity.

creative financial

SOLUTIONS

We represent creditors in the provision of credit including in respect of the following:
  • Conducting borrower due diligence

  • Preparation and negotiation of bilateral and syndicated loan documentation, including

  • Provision of legal opinions to support the provision of credit

  • Creation and perfection of security interests including fixed charges, floating charges, and mortgages, pledges, assignments by way of security and guarantees and indemnities as well as the registration of security interests with the Companies Registry and the Land Registry

We work towards pragmatic solutions to enable the deal to complete and to protect returns on your investment

We are experienced at representing creditors in the restructuring of debt, this includes:
  • Negotiated workouts

  • Schemes of arrangement

  • Receiver led hive-offs and spin-offs

We provide legal support for debt capital market (“DCM”) and equity capital market (“ECM”) activities including in respect of:
  • Issuer due diligence

  • Deal structuring

  • Preparation of deal documentation including underwriting and placement agreements, trust deeds and deed polls, note instruments, offering documents and subscription agreements

We provide these services whilst maintaining a client-first approach.

pragmatic

DISPUTE RESOLUTION

Our proficiency extends to the collection of debt, the enforcement of loan covenants and security interests, our services are as follows:
  • The preparation and service of statutory demands and petitions for bankruptcy and winding-up

  • Commencement of legal proceedings to enforce loan covenants

We have extensive experience advising on regulatory enforcement action in connection with banking activities and including SFC investigations in respect of alleged sponsor failures.

Let us arrange an appointment with our award-winning lawyers for your case

Contact Us

HOW WE OPERATE

Our pursuit of excellence anchors the firm’s sophisticated approach.

We blend steadfast professionalism with our relentless dedication, enabling us to provide exceptional legal services.

Our practices are encapsulated within these domains:

Capital Markets

Capital Markets

Whether you are looking at equity or debt capital markets, we provide corporate finance related legal support. This includes underwriting, placement and book building for share offerings, rights issues, as well as bond and convertible bond offerings. We always put your bank’s interests first.

Securities Services

Securities Services

Our legal support services encompass advice and representation in connection with securities trading and custody operations, investment advice and the provision of discretionary asset management services. We focus on delivering top-tier service with and clear communication.

Lending

Lending

From due diligence, to advising on deal structures, to preparing loan facility agreements and security documentation, we provide a seamless experience for your bank. We assist in creating, perfecting and enforcing security interests. We provide guidance in corporate insolvency and restructuring, including debt restructuring through schemes of arrangement and company voluntary arrangements, as well as corporate turnarounds.

Compliance

Compliance

We ensure ongoing compliance with regulatory requirements under the Banking Ordinance (“BO”), the Securities and Futures Ordinance (“SFO”), the Anti-Money Laundering and Counter-Terrorist Financing Ordinance and other related ordinances and provide clear guidance on the Hong Kong Monetary Authority (“HKMA”) Supervisory Policy Manual, as well as other codes and guidelines issued by the HKMA and the Securities and Futures Commission (“SFC”).

In Banks, our practice has been recognised by:

“Global Leader”

“Leading Practice”

“Highly Regarded Lawyer”

“Recommended Practice”

“Leading Lawyer”

OUR EXPERIENCE

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