AB2

Have you heard about Islamic banking? Yes (24) No (10) Do you know HKSAR government is studying the possibility of implementing an Islamic finance system in Hong Kong? A- Yes (7) B- No (27) 3 What do you think are the differences between Islamic banks and conventional banks: Islamic banking system includes an interest rewards system. A- Yes (16) B- No (18) 3 There is a risk sharing system among the Islamic banking system. Yes (24) B- No (10)

4 Speculation in stocks is partly allowed in Islamic financial system. A- Yes (17) B- No (17) 6 Islamic banks can invest in pork-related products industry. A- Yes (11) B- No (23) 7 AB8 Islamic banks can invest in hotel industry. Yes (15) No (19) Do you think that the implementation would bring the following benefits to Hong Kong? (Can select more than one answer)

A- Economic benefits (17) B- Social benefits (15) C- Refining existing banking system (12) D- Enhancing the status of financial center (15) E- Improving the unemployment rate (7) F- Risks diversification in finance (9)

G- Others, (0) 10 Do you think that there would have following risk after the implementation? (Can select more than one answer) A- Cost inefficiency (9) B- Increasing social conflicts (14) C- Confusion in banking system (15) D- Disinvesting by original potential investors (7) E- Time consuming for the implementation (11) F- Rising of finance risks (5) G- Others, (1)

11

Do you agree that Hong Kong is ready for implementing Islamic banking system? A- Yes (18) B- No (14) C- If no, (2) 12 Will you use Islamic bank in future? AB- No (15) 13 What is the most important reason that attracts you to use it? ALower risk (0) B- New product (0) C- Good prospects of Islamic economic future (0) D- Confidence problem (0) E- Diversification (0) F- Others, (0) 14 Which product(s) you are interested in? (Can select more than one answer) ABaI Bithaman Ajil (Deferred Payment Financing) (0) B- Ijara (Lease Financing) (2) C- Mudaraba (Saving account) (12) D- Murabaha (Debt financing V Bank loan) (3) E- Musharaka (Equity financing) (2) F- Sukuk (Bond) (0) G- Others, (0) Yes (19)

15 What is the reason for you to disuse Islamic bank? Summary 16 Is there anything that can be improved so as to change your mind? Summary 17 Have you heard about Dubai World financial crisis in 2009? AB- No (15) 18 Does your confidence on Islamic Banking System being affected by the crisis? AB- No (15) 19 Referring to the announcement from PRC, there is around 20million Moslem in China. Do you think there is a synergy effect after implementing Islamic banking system in Hong Kong AB- No (14) 20 Can China be benefited after Islamic banking system is introduced to Hong Kong? AB- No (16) Yes (18) Yes (20) Yes (19) Yes (19)