【正文】 . 3 80 . 4 5 0 . 4 1 0 . 4 10 . 6 00 . 4 50 . 9 70 . 3 10 . 2 10 . 8 30 . 7 2855 1 , 0 4 0782871 756509610704546 739344 7581 , 5 0 4531 699J u l 0 7 A u g 0 7 S e p 0 7 O c t 0 7 N o v 0 7 D e c 0 7 J a n 0 8 Fe b 0 8 M a r 0 8 A p r 0 8 M a y 0 8 J u n 0 8 J u l 0 8 A u g 0 8 S e p 0 8O p e r a t i n g I n c o m e ( S $ M ) C o s t T o I n c o m e R a t i oNe t P ro fi t A f ter Ta x A n d R e tur n on E q ui t yNe t I n te re s t I nc om e A n d N e t I nt er es t M ar gi nO pe r at i n g I nc om e A n d C o st To In c om e Ra tioCu s to m er D e po si t s A n d Lo an sFootnote: 1) Forecast based on official FYF6 submission from countries in Jun 08 2) ROE figures are prior to rebasing to Basel II CBG China : Key financial trends 14 E x p e n s e s ( 1 . 0 2 ) ( 1 . 2 4 ) ( 1 . 4 5 ) ( 1 . 6 8 ) ( 2 . 0 6 ) ( 3 . 1 4 ) ( 2 . 4 9 ) ( 2 . 1 1 ) ( 3 . 3 2 ) ( 2 . 3 3 ) ( 3 . 2 2 ) ( 3 . 3 0 ) ( 0 . 3 2 ) ( 0 . 8 1 ) ( 1 . 3 9 )N o n I n t e r e s t I n c o m e 0 . 0 2 0 . 0 5 0 . 0 8 0 . 0 8 0 . 1 2 0 . 0 6 0 . 1 4 0 . 1 7 0 . 5 5 0 . 0 4 ( 0 . 1 8 ) 0 . 0 9 0 . 0 0 0 . 0 1 0 . 0 6 N e t I n t e r e s t I n c o m e 0 . 1 0 0 . 1 1 0 . 0 9 0 . 0 8 0 . 2 6 0 . 3 8 0 . 2 7 0 . 2 4 0 . 4 2 0 . 2 6 0 . 4 0 0 . 3 6 0 . 0 0 0 . 0 3 0 . 1 2 P r o v i s i o n s ( 0 . 1 3 ) ( 0 . 2 0 ) ( 0 . 3 9 ) ( 0 . 3 0 ) ( 0 . 3 5 ) ( 0 . 0 6 ) ( 0 . 5 4 ) ( 0 . 2 5 ) ( 0 . 2 4 ) ( 0 . 1 8 ) ( 0 . 1 5 ) ( 0 . 0 9 ) ( 0 . 0 0 ) ( 0 . 0 0 ) ( 0 . 1 7 )J u l 0 7 A u g 0 7 S e p 0 7 O c t 0 7 N o v 0 7 D e c 0 7 J a n 0 8 Fe b 0 8 M a r 0 8 A p r 0 8 M a y 0 8 J u n 0 82 0 0 5 A RR2 0 0 6 A RR2 0 0 7 A RR?RR denotes monthly runrate ?Prior year data rebased on 08 budget rate CBG China : Pamp。 A u t o s a v e F i x e d D e p o s i t s18 T o t a l 0 . 0 2 0 . 0 5 0 . 0 7 0 . 0 8 0 . 1 1 0 . 0 6 0 . 1 4 0 . 1 7 0 . 5 5 0 . 0 4 ( 0 . 1 8 ) 0 . 0 9 0 . 0 0 0 . 0 0 0 . 0 6 O t h e r s 0 . 0 0 0 . 0 0 0 . 0 0 0 . 0 4 0 . 0 0 0 . 0 8 0 . 0 6 0 . 0 5 0 . 1 3 ( 0 . 0 4 ) 0 . 0 4 ( 0 . 0 0 ) 0 . 0 1 S e c u r e d L o a n s 0 . 0 1 0 . 0 2 0 . 0 5 0 . 0 1 ( 0 . 0 0 ) 0 . 0 6 0 . 1 1 0 . 4 9 ( 0 . 1 1 ) ( 0 . 1 7 ) 0 . 0 3 0 . 0 0 0 . 0 0 0 . 0 1 D e p o s i t s 0 . 0 0 0 . 0 0 0 . 0 0 0 . 0 0 0 . 0 0 0 . 0 0 0 . 0 0 0 . 0 1 0 . 0 1 0 . 0 1 0 . 0 1 0 . 0 0 0 . 0 0 0 . 0 0 T r e a s u r y 0 . 0 0 0 . 0 2 0 . 0 2 0 . 0 6 0 . 0 8 0 . 0 5 0 . 0 0 0 . 0 3 B a n c a s s u r a n c e 0 . 0 0 0 . 0 0 0 . 0 1 0 . 0 0 0 . 0 0 0 . 0 0 0 . 0 1 0 . 0 0 0 . 0 0 0 . 0 0 S t r u c t u r e d D e p o s i t s 0 . 0 0 0 . 0 1 0 . 0 0 0 . 0 1 0 . 0 1 0 . 0 1 0 . 0 0 0 . 0 0 J u l 0 7 A u g 0 7 S e p 0 7 O c t 0 7 N o v 0 7 D e c 0 7 J a n 0 8 F e b 0 8 M a r 0 8 A p r 0 8 M a y 0 8 J u n 0 8 2 0 0 5 A R R 2 0 0 6 A R R 2 0 0 7 A R RFootnote: 1 Bancassurance includes life insurance and general insurance. 2 Treasury includes ELD/ELN, bonds, currency link investment, FX, CLN/Rainbow and ST structured products. * RR denotes monthly runrate CHINA FEES ($’M) CBG China : Non Interest Ine by Product 19 7 8 2 . 4 8 5 4 . 71 , 0 4 0 . 35 4 6 . 27 0 3 . 86 1 0 . 2 5 0 9 . 03 4 3 . 67 5 8 . 41 , 5 0 4 . 17 3 9 . 1 7 7 1 . 92 , 4 5 2 . 85 , 5 9 6 . 28 7 1 . 4J u l 0 7 A u g 0 7 S e p 0 7 O c t 0 7 N o v 0 7 D e c 0 7 J a n 0 8 Fe b 0 8 M a r 0 8 A p r 0 8 M a y 0 8 J u n 0 8 2 0 0 5 A R R 2 0 0 6 A R R 2 0 0 7 A R R0 . 60 . 80 . 60 . 70 . 10 . 40 . 50 . 30 . 50 . 20 . 51 . 00 . 40 . 40 . 4J u l 0 7 A u g 0 7 S e p 0 7 O c t 0 7 N o v 0 7 D e c 0 7 J a n 0 8 Fe b 0 8 M a r 0 8 A p r 0 8 M a y 0 8 J u n 0 8 2 0 0 5 A R R 2 0 0 6 A R R 2 0 0 7 A R RIne / Staff Costs Cost / Ine CBG China : Productivity Ratios * RR denotes monthly runrate TOTAL COST /INCOME amp。L drivers Total Provisions (S$m) and Provisions / Loan Volume (bps .) Footnote: SP = Specific Provisions, GP = General Provisions, TP = Total Provisions, ANR = Average Net Receivables RR denotes monthly runrate, Prior year data rebased on 08 budget rate CAGR 725% *