【正文】 r L o a n s ( S $ B )C o n s u m e r B a n k i n g C h i n a0 . 1 0 0 . 1 1 0 . 0 9 0 . 0 8 0 . 2 60 . 3 8 0 . 2 7 0 . 2 4 0 . 5 80 . 5 20 . 4 2 0 . 2 6 0 . 4 0 0 . 3 6 0 . 4 51 . 0 41 . 0 01 . 3 00 . 8 01 . 0 6 0 . 9 41 . 0 41 . 1 50 . 7 3 0 . 5 41 . 4 71 . 9 01 . 0 0 0 . 8 6 0 . 9 7J 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 8N e t I n t e r e s t I n c o m e ( S $ M ) N e t I n t e r e s t M a r g i n ( % )C o n s u m e r B a n k i n g C h i n a(0 . 7 9 )(1 . 5 5 ) (1 . 1 4 )(1 . 9 2 )(1 . 4 2 )(2 . 1 7 )(3 . 3 4 )(2 . 7 9 )(2 . 2 9 )(1 . 6 5 )(1 . 9 1 )(2 . 1 6 )(3 . 0 1 )(0 . 9 8 )(1 . 5 8 )(1 5 7 )(9 3 )(1 3 0 )(1 1 1 )(1 1 5 )(9 0 )(1 1 1 ) (9 4 ) (1 2 6 )(1 3 8 )(1 4 3 )(1 2 3 )(1 0 8 )(2 4 8 )(1 6 3 )Ju l 0 7 A u g 0 7 Se p 0 7 O ct 0 7 N o v 0 7 D e c0 7 Ja n 0 8 F e b 0 8 M a r0 8 A p r0 8 M a y 0 8 Ju n 0 8 Ju l 0 8 A u g 0 8 Se p 0 8N e t P r o f i t A f t e r T a x ( S $ M ) R O E ( % )C o n s u m e r B a n k i n g C h i n a0 . 1 2 0 . 1 60 . 1 7 0 . 1 60 . 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。 Service Quality ? Adopt integrated regional programme to deliver distinct customer experience and drive customer loyalty ? Empowering the local team to make speedy decision ? Professional training and certification process to be offered to each sales personnel to assure quality and pliance ? Institutionalize sales incentive system to drive sales momentum ? Leverage on growth of target markets by focusing on affluent and emerging affluent individuals in urban areas ? Differentiated service strategies: – Well Trained Staff: certification for WM and insurance Sales – Transaction convenience through Shared ATM and POS by DBS CUP cards – OneStop consolidated service – Providing Offpremise banking servicing – Overseas banking services arrangement ? Acquisition via partnering with intermediaries on business referral . developers amp。 Nonlife) ? Mortgage Loan ? Investment (Unit Trust, SIP) ? Treasures ? Welltrained staff ? Transaction convenience via shared ATM and POS ? TPB Centers ? Onestop consolidated services ? Offpremise servicing ? Overseas banking services arrangement ? Branches ? Internal Referral Model – SGM, MGM, CrossBU Referral ? External alliances ? Direct Sales ? Tailored sales incentive scheme Key Strategic Focus 4 ? These 3 cities present the highest market potential ? Improve customer accessibility ? Build brand aware