Difficulties brought on by the Great Depression forced the Ho Hong Bank to merge in 1932 with the Oversea-Chinese Bank (OCB) and the Chinese Commercial Bank (CCB) to form the Oversea-Chinese Banking Corporation (OCBC).
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Four years later, around 1930 or 1931, he graduated and returned to Singapore and in 1931 or 1932, he joined the Ho Hong Bank which had been founded by his father, Seow Poh Leng, together with Lim Peng Siang, Dr Lim Boon Keng and others.
In 1932, The Chinese Commercial Bank and the Ho Hong Bank merged with the Oversea-Chinese Bank to form the Oversea-Chinese Banking Corporation, later known as OCBC.