【正文】 o r e T ax atio n ( NP BT ) ( 0) ( 9) % 3 % 9 1 17 %T ax ati on ( 0) ( 0) ( 1) 25 .5% 8 8 44 .6% 9 %Net P r o f it aft er T ax atio n ( 0) ( 9) % 5 % 0 0 15 %Mi no r i ty In teres ts n/m n/m n/mNP A M ( 0) ( 9) % 5 % 0 0 15 %Loans A v g v ol ( S $b n) % 4 11 .0% % NIM ( %) % % 3% % % % %Depo s i ts A v g v ol ( S $b n) % 7 32 .0% % NIM ( %) % % 5% % 5% % 2%T ota l Cus tom er V ol um e A v g v ol ( S $b n) % 1 18 .5% % NIM ( %) % % 5% % 1% % 6%P r o d u ctiv it y Ind ica t o r sT ota l In c om e / S taf f Cos ts % % %Non Int eres t In c om e t o T ota l In c om e % 85 .2% % % 10 .5% % 14 .8%Di r ec t Cos t to In c om e Ra ti o % % % % % % %T ota l Cos t to In c om e Ra ti o % % % % % % %RO E 81 .7% 11 % % 13 % % 14 % %RO A % % % 10 .2% % 16 .2% %Highlights of June YTD Performance 12 Footnote: 1) 2022 to 2022 financials based on exchange rate RMB$1 = S$ 2) ROE figures are prior to rebasing to Basel II S $m Y T D Bu d g etB/( W )$B/( W )%P r ior Y ea rB/( W )$B/( W )%Net I nte r es t In c om e 6 11 .4% %NonInte r es t In c om e 9 18 .6% %T o t al Inco me 4 13 .6% %T o t al ex p enses % ( 10 .25 ) 16 %O pe r ati ng P r of i t 13 .48 23 .75 % ( 2) ( 6) 15 %S pe c i f i c P r ov i s i on s % n/mG en eral P r ov i s i on s % ( 6) 17 %P r o v isi o n s % ( 6) 17 %Capi tal B en ef i t 1 % %Net P r of i t b ef ore T ax ati on ( NP B T ) 14 .63 25 .39 % ( 8) ( 5) 15 %T ax ati on 5 5 0 42 .5% ( 8) %Net P r o f it aft er T ax atio n 10 .98 19 .04 % ( 0) ( 8) 14 %Mi no r i ty In teres ts n/m n/mNP A M 10 .98 19 .04 % ( 0) ( 8) 14 %Loans A v g v ol ( S $b n) % % NIM ( %) % % % % 1%Depo s i ts A v g v ol ( S $b n) 5 34 .2% % NIM ( %) % % 6% % 2%T ota l Cus tom er V ol um e A v g v ol ( S $b n) 5 11 .2% % NIM ( %) % % % % 7%P r o d u ctiv it y Ind ica t o r sT ota l In c om e / S taf f Cos ts % %Non Int eres t In c om e t o T ota l In c om e % % % % 12 .3%Di r ec t Cos t to In c om e Ra ti o % % % % %T ota l Cos t to In c om e Ra ti o % % % % %RO E 10 % 16 % % 25 % %RO A % 12 .9% % 26 .2% %Highlights of June YTD Performance 13 C o n s u m e r B a n k i n g C h i n a0 . 0 3 0 . 0 4 0 . 0 4 0 . 0 3 0 . 0 4 0 . 0 5 0 . 0 8 0 . 0 8 0 . 0 8 0 . 0 90 . 1 2 0 . 1 30 . 1 9 0 . 2 30 . 2 80 . 0 80 . 1 10 . 1 40 . 1 7 0 . 1 80 . 2 40 . 2 8 0 . 3 00 . 3 1 0 . 3 20 . 3 30 . 3 6 0 . 3 80 . 4 00 . 0 6J 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 8A v e r a g e C u s t o m e r D e p o s i t s ( S $ B ) A v e r a g e C u s t o m e 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