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Enhanced Competency Framework

The HKMA and the banking industry have jointly developed the Enhanced Competency Framework for Banking Practitioners (the ECF).  Whilst the ECF is not a mandatory licensing regime, it provides a set of common and transparent competency standards for key banking functions to support professional development of banking practitioners and to address the talent needs of the banking industry.

The ECF comprises the Core Level and the Professional Level, covering the following workstreams:

  1. Anti-Money Laundering and Counter-Financing of Terrorism
  2. Compliance
  3. Credit Risk Management
  4. Cybersecurity
  5. Fintech
  6. Green and Sustainable Finance
  7. Operational Risk Management
  8. Private Wealth Management
  9. Retail Wealth Management
  10. Treasury Management

Please contact the Hong Kong Institute of Bankers regarding the ECF training, examinations, and certifications.

In September 2026, the HKMA collaborated with the banking industry to refine the ECF framework, ensuring its effectiveness in developing well-rounded, future-ready professionals for the banking sector. Please click HERE to view the proposed refinements.

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Last revision date : 24 September 2026