Till now HSBC was brand royalty for me when it came to banks & financial services branding and communication. Seems like even Gods have feet of clay. This banner ad on the HSBC HK site tries to attract new HSBC premier customers ( minimum deposit HKD 1mn or USD 100K) with a “scratch and win”. Wow !!! I used this mechanic to sell a few more soaps and detergent bars to a reluctant retailer in India about 15 years ago. How the world has changed since the recession. Blame it on Lehman.