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To access RTGS system functions, banks must connect to the SWIFT network to initiate/receive payment instructions, and access e MBT provided by HKICL for performing administrative functions to respective payment instructions.

The HKMA, which is Hong Kong's central banking institution, acts as the clearing house for Hong Kong dollar (HKD) CHATS.

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Since no daylight overdraft is offered, in order for banks to avoid having to maintain large balances in their settlement accounts, which accrue no interest, so that payments are processed as soon as possible, interest-free intraday liquidity may be obtained by the banks through repurchase agreements (repos).

Intraday repos that are not reversed at the end of the business day are carried into overnight borrowing.

In addition to obtaining intraday repos for payment settlement, participating banks may also obtain intraday liquidity via an overdraft facility provided by HSBC.

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