Founded in 1999 by a group of reputable banks, BCT Group consists of BCT Financial Limited (BCTF) and Bank Consortium Trust Company Limited (BCTC). BCTF acts as a sponsor and distributor of pension products, offering customer service, investment and retirement planning services, and investor education. BCTC is one of the largest trust companies in Hong Kong, providing trustee, administrator, and custodian services for MPF/ORSO, international pension plans, global investment funds, QFII, and RMB funds. BCT UnionPay Group, a subsidiary of BCT Group, offers investment funds and pension services.