Coutts, the UK private bank, has appointed three to its products and services team in Asia. Edouard Hoepffner joins as executive director and head of new product development and client solutions. He previously worked at Daiwa Capital Markets. Elaine Ngim joins as director and head of fixed income. She previously worked at Clariden Leu in Singapore. Kieran Calder joins as director and head of equities. He was previously head of equities and research for Macquarie Capital Securities in Kuala Lumpur. All three will be based in Singapore.