Take this hypothetical example. The financial institution offered 50% compensation on a $50,000 bond and took over the bonds. The bonds now have a recovery value of 70%. The financial institution made a profit of 20% or $10,000, while the investor lost 50% or $25,000. It would be immoral for the financial institution to keep this profit. I hope that they will be honorable and refund the profit to the investor.
Tan Kin Lian