Financial Highlights 1

• Net Profit After Tax
• Operating Profit
• Group Net Interest Income & Non-interest Income

Financial Highlights 2

• Group Income Before Operating Expenses, Operating Expenses & Ratio of Operating Expenses to Income Before Operating Expenses
• Group Provisions & Provisions as Percentage of Operating Profit
• Group Total Shareholders' Funds & Return on Average Total Shareholders' Funds (ROE)

Financial Highlights 3

• Group Customer Loans & Advances & Customer Loans to Total Assets Ratio
• Group Customer Deposits
• Group Total Assets & Return on Average Total Assets (ROA)

Financial Highlights 4

• Group Share Capital & Earnings Per Ordinary Share (EPS)
• Unrealised Valuation Surpluses
• Group Capital Adequacy Ratio (CAR)

Financial Highlights 5

• Group Total Non-Performing Loans (NPLs) & NPLS as Percentage of Total Loans
• Group Singapore & Other Countries' NPLs & NPLs as Percentage of Total of Singapore & Other Countries' Loans
• Group Regional NPLs & NPLs as Percentage of Total Regional Loans

Financial Highlights 6

• Group Cumulative Specific & General Provisions as Percentage of Unsecured NPLs
• Group Regional Exposure & Regional Exposure as Percentage of Total Assets