【正文】 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% * RR denotes monthly runrate 16 0 . 0 60 . 0 80 . 1 10 . 1 40 . 1 70 . 1 80 . 2 40 . 2 80 . 3 00 . 3 10 . 3 20 . 3 30 . 0 00 . 0 10 . 0 8J u l 0 7 A u g 0 7 Se p 0 7 O c t0 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 2022A 2022A 2022AH o u s i n g L o a nCBG China : Loan Drivers by Product CHINA LOANS (S$B) CAGR 789% Footnote: 1) Volume refers to average volume 2) Mortgage Loan = Total Loan 0 . 7 2 %0 . 9 7 %0 . 8 6 %0 . 9 4 %1 . 7 4 %1 . 6 5 %H ous i ng Loa n ( N I M % ) , 0 . 8 5 %17 CBG China : Deposit Drivers by Product CHINA DEPOSITS (S$B) CAGR 247% Footnote: 1) Volume refers to average volume 2) Prior year data rebased to 08 budget rate 2 . 6 9 %S a v i ng s amp。 SME 10 Contents ? Financial dashboard as at Jun08 11 Footnote: 1) 2022 to 2022 financials based on exchange rate RMB$1 = S$ 2) ROE figures are prior to rebasing to Basel II S $m F las h P r ior M o n t hB/( W )$B/( W )%Bu d g et B/( W )$B/( W )%P r ior Y ea rB/( W )$B/( W )%Net I nte r es t In c om e % 5 26 .5% %NonInte r es t In c om e ( 8) % 3 59 .1% %T o t al Inco me % 8 36 .0% %T o t al ex p enses % % 1 21 %O p er atin g P r o f it ( 2) ( 0) % 6 % 9 3 19 %S pe c i f i c P r ov i s i on s n/m % n/mG en eral P r ov i s i on s % % 2 18 .9%P r o v isi o n s % % 2 18 .9%Capi tal B en ef i t % 1 11 .0% %Net P r o f it bef