【正文】 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。 ABC USP Upon launch of initiative Upon pletion ? Best local retail bank in China ? Accessible ? Technology driven ? Fast credit approval ? 5M+ credit cards ? 30+ debit cards ? Wealth management ? Mortgage ? Remittance/ Cash management ? Innovative ? Premium brand ? Global work for offshore funds management ? Global bank with local expertise (140+ years) ? Strong brand ? International bank with prehensive products ? Premier Banking ? Home Loan ? Principle Protected FCY Investment ? Deposit ? Differentiated services ? Effective sales and service channels ? Bestofbreed WM amp。O, Credit, Product development) in China to gain cost synergy and improve efficiency ? Dedicated CB pliance resources for better control and monitoring ? Develop endtoend structured product manufacturing and distribution capabilities to strengthen petitiveness of investment products Strategic Alliance Cross BU customer synergy End to End Processes ? Set up amp。 wordofmouth and incentive program for referrals Customer Segments 8 Building a strong business foundations ? Adopt multibusiness concept in all subbranches to maximize coverage of prospective clients and crosssell opportunities (TPB + enterprise owner the most prospective business lead in emerging market) ? Exploit end to end financial services needs of clients across BUs . provide end user mortgage financing for construction projects under our SCIB/EB financing ? Explore alliance with property developers and agents to supplement our distribution scale and referral sources ? Strategic alliance to provide bestinclass third party products . local funds selling amp。 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。 SG staff to work in PRC ? Develop clear career roadmap and individual development program to local staff. Build pipeline for business expansion ? Build staff petency amp。 Savings Plan and