This book is dedicated to my wife, Joy, whose loving encouragement has enabled me to reflect and write about the critical role of ethics in the world of finance. I am grateful to Professors Jeff Malpas (University of Tasmania) and Andrew Brennan (LaTrobe University) for initially suggesting that I focus on ethical conduct in banks, and to Professor Dr Wilhelm Vossenkuhl of Ludwig-Maximilians-Universit?t in Munich for his advice and comments. Special thanks go to all the individuals, financial institutions and regulators in Hong Kong and Australia for their participation in my empirical research, and to Vernon Moore and John McCleod for their assistance therewith. I am thankful to my daughter, Giselle Villa-Hansen for her assistance in merging my documents and preparing them for turn-over to production, and to Mariel Kierulf Asiddao for her great help on indexing. I thank my publisher, Palgrave Macmillan, and especially Aimee Dibbens, commissioning editor, Grace Jackson, editorial assistant, and Joshua Evans, copy editor, for their patience and support. There are many others not mentioned to whom I owe my gratitude for their contribution.