UNCERTAINTY IN BAD TIMES 'When times are good, bonuses are attractive. But in times like these when banks are making losses, you don't know if you will have work tomorrow.'

Mr Lim, a private banker who used to be a foreign bank branch manager

IN A DIFFICULT POSITION

'A lot of us would never do anything to intentionally harm the customer. It brings no benefit to us. We are in a difficult position. I don't think anyone feels good telling the customer, 'You've lost your investments' or 'Your principal is gone'.'

A relationship manager in her 20s who works in a foreign bank