m2608
You sound like a really strong applicant. I would guess that maybe because you submitted your application about 5 months into the application cycle they have already accepted other candidates with similar experience/profile.. I am not an expert though so maybe I am wrong.
Trust me, that is what I thought and my parents have been telling me all along

Just kidding.
I am not sure what went wrong - was it the length of the essays that wasn't enough to reflect my candidacy? was it 690 score? I am also running a public speech club for the same BB Ibank, but maybe it sounds too elitist?
On the other hand I came to the US with $300 and was homeless for a while, so ... "American dream" check.
Unless they have an unexpectedly large number of former-homeless enterpreneurial Ibankers who speak fluent Chinese, German and English, I am at a loss of words. I guess, you can never be sure.