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2 目 录 宗 旨 与 价 值 观 封 面 内 页 集 团 概 览 致 股 东 的 信 02 财 务 重 点 06 董 事 部 08 策 略 与 资 本 委 员 会 成 员 及 其 他 管 理 委 员 会 成 员 12 财 务 财 务 报 告 33 辅 助 资 讯 国 际 网 络 132 财 务 日 期 134 集 团 简 介 与 企 业 资 料 封 底 内 页 营 运 与 财 务 回 顾 新 地 平 线 III 14 年 业 务 计 分 表 15 企 业 社 会 责 任 17 公 司 治 理 资 本 管 理 22 风 险 管 理 24 本 常 年 报 告 书 分 别 以 英 文 与 中 文 印 制 中 文 版 本 的 内 容 是 从 英 文 版 本 中 翻 译, 英 文 版 本 已 经 由 我 们 的 审 计 师 签 订 确 认 中 英 版 本 之 间 若 有 任 何 出 入, 应 以 英 文 版 本 为 准 宗 旨 我 们 致 力 为 社 会 中 的 个 人 与 企 业 提 供 切 合 其 需 求 的 创 新 金 融 服 务, 协 助 他 们 达 成 理 想 价 值 观 客 户 我 们 聆 听 并 理 解 客 户 的 需 求 我 们 通 过 提 供 卓 越 的 产 品 与 高 素 质 服 务, 与 客 户 建 立 起 持 久 坚 固 的 关 系 人 员 我 们 公 平 对 待 彼 此, 并 互 相 尊 重 我 们 为 每 一 名 同 事 提 供 支 持, 并 投 资 于 他 们 的 发 展, 帮 助 大 家 充 分 发 挥 潜 能 我 们 认 可 并 奖 励 优 秀 的 员 工 团 队 做 为 团 队 的 一 份 子, 我 们 恪 尽 职 守 同 心 协 力, 迈 向 共 同 的 目 标 我 们 每 一 个 人 都 对 自 己 的 行 为 完 全 负 责 诚 信 公 平 交 易 是 我 们 的 经 营 之 本 我 们 承 诺 我 们 的 所 有 行 为 都 经 得 起 大 众 的 考 核 谨 慎 承 担 风 险 我 们 以 谨 慎 态 度 面 对 风 险, 因 为 客 户 信 赖 我 们 所 提 供 的 安 全 与 稳 固 效 率 我 们 积 极 投 资 于 基 础 设 施, 改 进 流 程 及 技 能, 从 而 降 低 营 业 成 本 自 始 至 终, 我 们 力 求 做 到 准 确 地 决 策, 有 效 地 执 行

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4 73% % % 12 5% 64 8% 79 1% 10% % 31% % ( ) Fraser and Neave Limited ( F N ) Asia Pacific Breweries Limited ( APB ) % 11% % % ( ) 43 2% 40 6% 24% % 0 8%( )142%107% % % 18 5% 6% 10% ()11 4%12 8% F N APB % 2

5 % 22% ()4% ( ) 2% 34%12% 14% 13% 12% 2 6% 2 1% Bank OCBC NISP22% 9150 ( )7530 (1 800 ) 14%28% 28%14%17% 1 3% 0 9% 200% 35% 320(410 ) 430(520 ) 31%400 (520 ) 520(630 ) 50 ( 10) 3

6 % 20 FRANK by OCBC Y OCBC Al Amin CashFlo ( NTUC ) NTUC Link Plus10 FairPrice Xtra PlusLite OCBC SME Access 24 () OCBC Al AminXpres 10 PT Transasia Securities80% 16 ( ) Avic Trust 35% 4

7 % OCBC % 5

8 ,961 5,661 5,325 4,815 4,427 2,695 2,430 2,254 1,796 1,854 5,266 3,231 3,071 3,019 2, ,962 2,955 2,880 2,543 2,085 3,993 2,312 2,253 1,962 1,749 (1) 4,053 2,373 2,308 2,009 1, , , ,989 80,876 79, , , , ,633 94, , , , , , , , , , , , , , , ,825 22,909 20,675 18,894 17,075 13,978 25,804 22,571 20,790 18,971 15, (1) % Tier (1) (2) (3) (4) IIBasel II 6

9 4,427 4,815 5,325 5, % 7,961 1,854 1,796 2,254 2, % 2,695 2,573 3,019 3,071 3, % 5, % +7% +11% 3, , , ,797 17,075 18,894 20,675 22,909 1,749 1,962 2,253 2, , ,508 13, % +10% FY 08 FY 09 FY 10 FY 11 FY 12 FY 08 FY 09 FY 10 FY 11 FY 12 FY 08 FY 09 FY 10 FY 11 FY FY 08 FY 09 FY 10 FY 11 FY 12 FY 08 FY 09 FY 10 FY 11 FY 12 FY 08 FY 09 FY 10 FY 11 FY 12 FY 08 FY 09 FY 10 FY 11 FY 12 FY 08 FY 09 FY 10 FY 11 FY 12 FY 08 FY 09 FY 10 FY 11 FY 12 FY 08 FY 09 FY 10 FY 11 FY 12 FY 08 FY 09 FY 10 FY 11 FY 12 FY 08 FY 09 FY 10 FY 11 FY 12 () () () () () () ( ) ( ) ( ) ( ) ( ) ( ) 7

10 () ( ) (DAVID CONNER)

11 Citicorp Investment Bank Singapore Ltd AV Jennings Ltd () Al Amin PT Bank OCBC NISP Tbk

12 (COLM MCCARTHY) ( ) k1 10

13 (BNM) BNM Cagamas Berhad ( ) Malaysian Electronic Clearing Corporation Sendirian Berhad (BNM) () Al Amin () Institute of Bankers Malaysia (GIC) GIC Asset Management Pte Ltd EDBI Pte Ltd SLF Strategic Advisers Pte Ltd Ministry of Health Holdings Pte Ltd () PRAMUKTI SURJAUDAJA Pramukti PT Bank OCBC NISP Tbk 23 Pramukti ( ) ( ) GIC Special Investments Pte Ltd GIC GIC Special Investments Pte Ltd The Trilateral Commission La Trobe University 11

14 () () () () PT Bank OCBC NISP Tbk () Al AminUniversity of California Los Angeles ( UCLA ) () Union Carbide Asia Pacific ( GIC ) () Kohnke II 24Canadian Imperial Bank of Commerce ( CIBC )CIBCUniversity of Western Ontario University of WindsorOntarioUniversity of Hawaii Gilbert Kohnke 12

15 Asia Financial Holdings Credit Suisse First Boston Credit Suisse Singapore Security Pacific National Bank DFS Venture Mentor Graphics National Semiconductor University of HullUK finatiq com ( ) () Renato de Guzman Anthony Johnson () Denis Malone OCBC NISP ( ) 13

16 III (New Horizons III) 22015III ( )II ( ) II III PacificMas ( ) OCBC NISP( ) () OCBC Al Amin OCBC NISP()PacificMas 14

17 7 24 ( AUM ) 35 ( EAB ) The Asset () FinanceAsia Alpha Southeast Asia The Asset LPC Asiamoney Asiamoney Asia Risk FRANK by OCBC BAI Finacle Asian Banking FinanceFinancial Insights Lipper() ( RWA ) 84II1 ( IRB ) II2 II3 III Global Finance

18 Chrissie Maher OCBC Al Amin

19 ( SCS ) Koh Eng Kheng ( SSCLF ) () 2007 SSCLS OCBC ( SSCLS ) 448 ()SSCLF 12 () Mighty Savers Kids 17

20 Kampong Pos Slim Koh Eng Kheng 16140( ) () SSCLF () 3000 ( STSPMF ) Child Aid 10 Kampong Pos Slim SSCLF 18

21 Willing Hearts Robbie McEwen () ( SECDC )

22 Willing Hearts Kechara () (OCBC Skyway) (OCBC Garden Rhapsody)

23 ( UCI ) Robbie McEwen Omar Bertazzo Loh Sea Keong Goh Choon Huat Ho Jun Rong Haidar Anauar Vincent Ang 12 Robbie McEwen Anuar Manan 50 Loh Sea Keong Ryan Chan Thomas Rabou Loh Ji Wen

24 A ( ICAAP ) M OCBC Malaysia OCBC Malaysia NISP ( ) II (Basel II) Tier II Tier 1 Tier 2 ( ) II3 22

25 1 7,057 7,127 2,896 1, ,059 2,062 14,935 12, ,782 24,225 (3,877) (4,009) 1 (2,314) (1,604) 1 21,591 18, ,418 3, (2,303) (2,270) 24,110 20, , ,546 14,431 15,817 9,047 8, , , % 14.4% 18.5% 15.7% 637 ( GEH ) Tier 1 Tier 2 GEH 12 31GEH IIIIII

26 III (Basel III) III ( AFTA ) ( GEH )PT Bank OCBC NISP Tbk ( NISP ) NISP NISP NISP ( 39) ( MAS ) II 24

27 9 637 III II II ( F IRB ) ( A IRB ) ( SA ) ( ICAAP ) () 25

28 (probability of default PD )(loss given default LGD ) (exposure at default EAD ) A-IRB ( A IRB ) PD LGD EADPD LGD EAD F-IRB ( F IRB ) PD LGD EAD PD IRB 637 () Standard Poor s Moody s Fitch ( ISDA )

29 (Financial Reporting Standard 39) ( ) ( MRM ) MRM ( MRM ) (value at risk VaR ) VaR VaR ( ) ( 99 ) VaR VaR VaR 100 (Present Value of a Basis Point PV01 ) VaR PV01 CS01 () 27

30 VaR VaR VaR VaR VaR VaR NM (2) NM (2) NM (2) NM (2) VaR VaR VaR VaR (VaR) VaR VaR 28

31 VaR(1) (14) - (12) (12) - (10) (10) - (8) (8) - (6) (6) - (4) (4) - (2) (2) - (0)

32 ( ALCO ) ALCO ALCO PV01 ( ORISC ) ORISC ( ORM ) ( FRM ) 30

33 31

34

35

36 (David Conner) (Colm McCarthy) ( 2 21) Pramukti Surjaudaja Pramukti Surjaudaja (6) 34

37 , ,831 (1) (1) 34, ,130 (1) (1) (David Conner) 2,402, ,180,742 (2) (3) 68, , ,442 (2) (2) 7,531, ,401,409 (1) (1) 2,689, (Colm McCarthy) 18, , (1) 473 (1) Pramukti Surjaudaja 18, , B 1, , ,000 (1) (1) 4 2G 15, ,227 (1) (1) (David Conner) 50, , ,000 (1) (1) 240, , OCBC Capital Corporation (2008) , , ,100 (1) (1) (1) (2) (3) E4 0M 4 5E

38 12 31 ( ) OCBC Management Services Private Limited () () 5 (a) 2001 ( 2001 ) () B A 2004B A B A 2007B 2007NED NED NED NED NED ( ) ( NED ) 36

39 (a) ( ) ($) ,607,717 2,568, B , , , ,425 2,497,957 2,497, , ,787 2,052,867 2,052, A , , B , , , ,651 2,830,745 2,830, A , , , , , ,343 2,430,892 2,430, B , , , , , ,816 2,710,783 2,710, A , , B ,000 88, , , NED , , , ,343 3,568,903 3,568, NED , , , ,380 2,485,546 2,485, NED , , , ,333 2,596,797 1,669, NED , , ,885 28,351 2,268, ,550 NED , , ,568,665 NED ,924 6,345,672 6,247,357 30,910,785 23,242,461 (b) ( ESP )21 ESP ESP ESP ( ) 2412(24) 6 ESP ESP (c) 2003( DSP ) DSP DSP DSP ( ) DSP ( )

40 ESP (David Conner) ESP (David Conner) (Colm McCarthy) SGX ST 2005()2010() () (a) (b) (c) KPMG LLP KPMG LLP

41 12 31 (a) (b)

42 ( )( ) ( ) 612 FRS KPMG LLP

43 ,967,535 5,319,991 3,441,391 3,069,746 (2,219,791) (1,909,569) (1,190,176) (1,053,601) 3 3,747,744 3,410,422 2,251,215 2,016,145 6,254,417 6,106,288 4,245,724 1,675,469 (5,376,383) (4,530,694) (3,065,964) (1,697,463) (1,366,075) (1,171,072) 4 691, , , ,079 () 5 1,198,250 1,137, , , ,233 88, , ,183 72,327 76,009 31,425 31, ,017, ,465 1,133, ,404 4,213,628 2,250,256 2,317,997 1,288,108 7,961,372 5,660,678 4,569,212 3,304,253 (1,649,620) (1,448,181) (673,439) (576,689) (1,045,122) (981,731) (712,369) (665,420) 8 (2,694,742) (2,429,912) (1,385,808) (1,242,109) 5,266,630 3,230,766 3,183,404 2,062, (59,903) (61,337) 9 (271,432) (221,406) (180,841) (126,632) 4,935,295 2,948,023 3,002,563 1,935,512 26,566 7,166 4,961,861 2,955,189 3,002,563 1,935, (698,912) (476,586) (306,543) (200,865) 4,262,949 2,478,603 2,696,020 1,734,647 3,992,811 2,312, , ,387 4,262,949 2,478,603 ( )

44 ,262,949 2,478,603 2,696,020 1,734,647 () 1,011,932 (156,837) 565,563 (21,013) () (1,350,925) (120,054) (810,843) (77,461) 18,197 (7,840) (287) (10,047) 20 71,808 25,878 56,542 13,066 (8,241) (288,083) (2,506) (32,159) 7,617 (174) 5,512 (545,486) (255,847) (221,184) (87,838) 3,717,463 2,222,756 2,474,836 1,646,809 3,488,284 2,073, , ,223 3,717,463 2,222,756 42

45 ,953,321 9,022,918 9,953,321 9,022, , ,402 95,985 90, ,345 1,124, , , ,580,211 12,143,711 9,213,566 7,721,619 25,804,397 22,570,699 19,584,241 17,345, ,896,604 2,819,322 28,701,001 25,390,021 19,584,241 17,345, ,139, ,554, ,325, ,826, ,655,587 21,653,245 21,538,856 18,880,685 8,257,934 5,912, , , , ,361 1,083,334 1,655,040 1,083,334 1,655, ,000,572 6,112,768 4,619,730 5,782, ,323,093 4,023,408 1,542,720 1,458, , , , , ,170,303 1,123,125 65, , ,424,427 13,063,178 11,918,895 13,797, ,855, ,163, ,867, ,903, ,387,007 49,203, ,242, ,367, ,867, ,903, ,943, ,757, ,451, ,248, ,396,833 12,896,605 9,381,653 6,985, ,141,224 13,250,113 11,961,420 12,592, ,156,753 7,396,804 6,098,387 3,987, ,810,928 28,614,577 21,017,680 20,654, ,376, ,556, ,156,600 97,786, ,931,990 15,081,434 9,348,412 9,721, ,056,155 1,838,981 1,946,335 1,328, ,256 6, ,154,754 5,898,815 4,693,349 5,462, ,844,627 3,191,439 1,147,341 1,186, ,438 43,416 26,257 4, , , , , ,576,708 12,461, ,702,585 1,663, , , , , , , ,817,902 3,947,394 1,867,176 1,867, ,672, ,669, ,451, ,248, ,271,403 49,088, ,943, ,757, ,451, ,248,344 43

46 ,022, ,402 1,124,668 12,143,711 22,570,699 2,819,322 25,390,021 3,992,811 3,992, ,138 4,262, , ,847 48,085 1,011,932 () (1,286,053) (1,286,053) (64,872) (1,350,925) 18,169 18, ,197 68,996 68,996 2,812 71,808 (7,011) (7,011) (1,230) (8,241) (262,717) (262,717) (25,366) (288,083) 5,718 (5,476) 242 (416) (174) (229,323) (275,204) (504,527) (40,959) (545,486) (229,323) 3,717,607 3,488, ,179 3,717,463 5,003 86,045 (91,048) 2,669 2,669 (206,112) (206,112) DSP 3,579 3,579 3,579 (1,175,493) (1,175,493) (1,175,493) 1,000,000 1,000,000 1,000,000 (175) (175) (175) 10,699 10,699 10,699 (162,178) (162,178) (162,178) DSP (3,644) (3,644) (3,644) DSP 39,292 39,292 39,292 87,246 (36,274) 50,972 50, ,403 96,118 (1,262,962) (236,441) (203,443) (439,884) (18,145) (18,145) 51,546 33,401 (18,145) (18,145) 51,546 33, ,953, , ,345 14,580,211 25,804,397 2,896,604 28,701,001 5,702 45,297 50,999 (4,822) 46,

47 ,826 1,374,198 10,592,671 20,790,245 2,854,919 23,645,164 2,312,216 2,312, ,387 2,478,603 (149,234) (149,234) (7,603) (156,837) () (115,792) (115,792) (4,262) (120,054) (8,089) (8,089) 249 (7,840) 23,771 23,771 2,107 25,878 5,811 5,811 (8,317) (2,506) (186) 5,036 4, ,512 (249,530) 10,847 (238,683) (17,164) (255,847) (249,530) 2,323,063 2,073, ,223 2,222,756 12,464 (345,010) 332,546 (187,570) (187,570) DSP 3,749 3,749 3,749 (275,030) (275,030) (275,030) 9,881 9,881 9,881 (92,131) (92,131) (92,131) 824,296 (824,296) DSP (3,772) (3,772) (3,772) DSP 29,180 29,180 29,180 67,277 (23,703) 43,574 43, ,368 (333,424) (763,031) (284,087) (187,570) (471,657) (8,992) (8,992) 2,750 (6,242) (8,992) (8,992) 2,750 (6,242) ,022, ,402 1,124,668 12,143,711 22,570,699 2,819,322 25,390,021 (16) 31,534 31,518 (3,993) 27,

48 ,022,918 90, ,394 7,721,619 17,345,220 (1) (189,025) 2,663,861 2,474,836 5,003 (5,003) DSP 3,579 3,579 (1,175,493) (1,175,493) 1,000,000 1,000,000 (175) (175) 10,699 10,699 (162,178) (162,178) ,246 87, ,953,321 95, ,369 9,213,566 19,584, ,210, , ,849 6,605,466 15,854,363 (1) (95,455) 1,742,264 1,646,809 12,464 (352,090) 339, , ,840 DSP 3,749 3,749 (275,030) (275,030) 9,881 9,881 (92,131) (92,131) 824,296 (824,296) ,277 67, ,022,918 90, ,394 7,721,619 17,345,220 (1)

49 ,961,861 2,955, , ,406 59,903 61,337 (90,314) 69, , ,437 (1,350,927) (120,054) (81,678) (42,722) (977) 10,119 10,223 (26,566) (7,166) 999, ,744 (691,719) (382,528) 4,246,228 3,462,387 10,573,665 31,293,835 4,002,342 5,144,768 (959,673) 2,157,244 (571,706) (79,213) (1,586,576) (3,115,640) 34,164 (272,069) (1,811,345) (10,659,563) (9,030,225) (28,789,318) 611,649 (1,377,593) (89,638) 58,894 () 5,418,885 (2,176,268) (639,797) (409,296) () 4,779,088 (2,585,564) 7,740 6,226 () 29,750 (106,787) (11,878) (103,657) (5,694,795) (6,371,047) (303,234) (250,890) 1,776 6,706,526 4,798,321 82, ,484 48,606 () 861,593 (1,895,446) 33,401 (6,242) (385,356) (2,466,829) 1,471, ,025 () (2,572,383) 8,468,543 (1,173,089) (275,030) (206,112) (187,570) 999,825 50,972 43,574 (162,178) (92,131) () (1,943,017) 5,883,340 (197,436) 1,384 3,500,228 1,403, ,896,605 11,492, ,396,833 12,896,605 47

50 ( ) () ( ) ( FRS )FRS FRS FRS 12 ( ) : FRS 107 ( ) : ( ) ( SPE ) SPE( SPE ) ()

51 ( ) ()

52 () () ( ) 50

53 ( CGU )CGU CGU CGU CGU ( ) ( ) (a) (b) (c) ( ( GEH ) )() () FRS ( GEH ) (a) (b) (c) () ( ) 51

54 (a) (142 )2004 ( )( ) (b)

55 (1) (i) (ii) (iii) (i) (i) (ii) () (1) (2) (i) 15 ( SGS ) ( LTRFDR )20 LTRFDR (ii) (i) 15 (ii) (1) ( PADs ) (i) ( ) (ii) ( PRADs ) PRADs (1) 2 23 (2) 53

56 () 75 Bornhuetter FergusonBornhuetter Ferguson Bornhuetter Ferguson 2.17 ( URR ) URR 1 24 th 2.18 ( ) ( ) (a) ( ) (b) 54

57 (c) ( 2 17) ( ESP ) ( DSP ) () ESP DSP DSP ( )

58 ( IBNR ) IBNR Chain Ladder Bornhuetter Ferguson ( ) FRS CGU CGU CGU CGU ( )( ) 56

59 3. (1) 4,173,179 3,675,623 2,324,664 2,022,344 (1) 961, , , , , , , ,159 5,967,535 5,319,991 3,441,391 3,069,746 (1) (1,715,251) (1,443,436) (642,750) (563,128) (1) (188,696) (186,713) (211,603) (190,950) (315,844) (279,420) (335,823) (299,523) (2,219,791) (1,909,569) (1,190,176) (1,053,601) 5,788,795 5,131,372 3,297,928 2,910, , , , ,851 (2,193,167) (1,862,086) (1,163,552) (1,006,118) (26,624) (47,483) (26,624) (47,483) 3,747,744 3,410,422 2,251,215 2,016,145 (1) 820 (670)630 (250) 4. 4, , , , , ,211.1 (113.7) (104.8) () 6, ,106.3 () 4, , , ,781.8 (5,437.4) (4,580.3) (5,376.4) (4,530.7) ( 22) (3,065.9) (1,697.4) (706.7) (664.4) ( 35) (46.7) (45.1) (1) (344.3) (309.3) (9,540.0) (7,246.9) (3.2) (308.2) (149.2) (1)

60 ,255,225 1,200, , ,390 (56,975) (63,280) (28,703) (30,870) () 1,198,250 1,137, , ,520 60,031 68, ,938 48,181 51,997 45,991 85, ,789 (280) (533) 17,651 21,256 12,815 15,860 90,988 95,167 70,241 74, , , , ,850 78,411 93,956 54,059 77, , , , , , , ,207 92,307 28,609 32,669 7,265 4,011 1,198,250 1,137, , , , ,351 7,740 6,226 4,319 14,308 4,053 4,313 83,914 73,740 27,730 25,293 88,233 88, , , (1) 249, , , ,268 (2) 49,769 (130,442) 55,817 (126,837) (51,762) 133,246 (57,484) 130,053 (1,993) 2,804 (1,667) 3,216 (3) 37,848 (199,059) 48,473 (170,110) 226,736 41, ,605 68,702 2,741 2, , , , ,076 1,350, , ,843 77, (120) (276) 81,196 42,705 15,035 40,952 34,745 30,480 8,941 9, ,284 20,152 20,988 14,141 2,017, ,465 1,133, ,404 (1) (2) (3) 58

61 ,486,003 1,308, , ,838 9,612 9,761 6,046 6, , ,010 49,733 36,386 1,620,103 1,418, , ,598 (1) 4,532 8,785 4,502 8,762 17,411 14,685 (1) 5,535 4,220 3,508 2,329 2,039 2,460 29,517 30,150 8,010 11,091 1,649,620 1,448, , , (2) 184, ,437 95,924 90,962 86,872 75,179 35,518 28,785 69,659 67,416 63,924 70, , ,941 57,583 56, , , , ,994 1,864 1,707 1,150 1,155 1, ,248 1, ,191 4,161 1,458 1,575 1, , , , , ,459 75,223 57, , , , , , , , ,210 1,045, , , , ,694,742 2,429,912 1,385,808 1,242,109 (1) (2)

62 ( 28) 115,222 79,038 92,745 60,709 ( 29) 147, ,364 87,778 72,528 () 5,505 (36) (8,993) (CDOs) (152) (1,054) (287) (1,054) ( 32) 3,259 16, , , , , , , , , ,888 ()( 20) (18,756) (7,203) (12,221) 3, , , , ,154 (38,940) (42,401) (26,024) (40,289) 698, , , ,865 4,935,295 2,948,023 3,002,563 1,935, , , , , , ,686 23,251 19,908 3,695 2,181 1, (172,480) (40,035) (206,758) (64,558) (60,137) (57,042) (54,783) (54,173) (62,305) (15,815) 10,183 10,427 ( ) 18,663 (9,152) 9, ,536 24,573 49,598 10, , , , ,154 () 13,371 6,398 6,332 6,246 (26,099) (19,462) (13,949) (590) (1,571) 2,916 (2,499) (1,676) (2,230) (1,692) 6,232 2,070 (8,190) 2,551 (2,374) (698) (18,756) (7,203) (12,221) 3,266 60

63 11. 3,992,811 2,312,216 (108,207) (90,125) 3,884,604 2,222,091 ( 000) 3,435,065 3,377,218 6,809 9,015 3,441,874 3,386,233 ( ) ,992,811 2,312,216 2,696,020 1,734, ,354,893 9,814,663 6,741,859 5,763,210 15,347,704 12,126,879 9,437,879 7,497, (500,890) (500,890) 15 (508,311) (508,311) 15 (516,097) (516,097) 16 (549,524) (549,524) B 5 1(5 1 ) (51,140) (51,000) (51,140) (51,000) E 4 5(4 5 ) (24,966) (22,500) (24,966) (22,500) G 4 2(4 2 ) (16,670) (16,625) (16,670) (16,625) M 4 0 (17,096) (17,096) () ( 14) (91,048) 332, ,626 ( 15 2) 17 ( 15 1) 4,717 3,702 4,717 3, (18,145) (8,992) (7,011) 35 (1,286,945) (771,986) (1,170,776) (755,998) 12 31( 15) 14,060,759 11,354,893 8,267,103 6,741,

64 ( 000) ( 000) 1 1 3,441,044 3,341,046 7,261,730 6,424,508 (175) 99, , ( 14) 5,003 12, ,441,100 3,441,044 7,267,065 7,261, (3,967) (3,270) (134,643) (109,789) (18,242) (10,078) (162,178) (92,131) 6,248 2,723 54,649 25,283 1,716 4,071 14,839 38,093 DSP 4,086 2,587 36,274 23,703 (18,516) (19,802) (10,159) (3,967) (209,575) (134,643) 1 1 B 10,000 10,000 1,000,000 1,000,000 E 5,000 5, , ,000 G 395, , , ,831 1,895,831 1,895,831 M 1,000,000 1,000, ,895,831 1,895, ,953,321 9,022,918 ( )( ) BEGMTier E B SGD E SGD G SGD M SGD

65 ( ) ( ) 700 (410) ( ) ( ) ( ) SGS ( ) ( ) ( ) ( ) ,836,463 $ ,106,004 $ ,019,795 $ ,824,281 $9.350 (6,345,672) $5.789 (2,824,850) $6.090 (599,801) $7.281 (268,972) $ ,910,785 $ ,836,463 $ ,242,461 $ ,851,822 $6.276 $9.009 $ (4 6 ) ( ) ESP ( )(3 908) 700 (500) ( ) ( ) ( ) ( ) ( ) ESP ,524,336 $ ,158,682 $7.826 (1,714,720) $8.800 (4,072,737) $6.356 (4,306,191) $8.863 (1,283,475) $ ,788,738 $ ,721,866 $ ,292,163 $ ,524,336 $9.021 $9.185 $ (1 1 ) (8 022) 63

66 ( )DSP ( ( ))4020 (3010) ( ) ( ) ( ) , ,826 90, ,498 10,699 9,881 10,699 9,881 DSP (39,918) (27,475) DSP 39,292 29,180 ()( 12) 91,048 (332,546) (339,626) ( 13 1) (5,003) (12,464) (5,003) (12,464) , ,402 95,985 90,289 ( 19 )22(1) ( ) () DSP 15. ( 12) 14,060,759 11,354,893 8,267,103 6,741,859 1,327,161 1,328,299 1,112,861 1,113,999 (807,709) (539,481) (166,398) (134,239) ,580,211 12,143,711 9,213,566 7,721, ,328,299 1,328,252 1,113, , ,840 DSP 3,579 3,749 3,579 3,749 ( 12) (4,717) (3,702) (4,717) (3,702) ,327,161 1,328,299 1,112,861 1,113,999 DSP 64

67 (539,481) (550,244) (134,239) (141,856) (407,162) 24,069 (40,223) 6, ,934 (13,289) 8, ( 12) (17) (807,709) (539,481) (166,398) (134,239) , ,570 OCBC Bank (Malaysia) Berhad 159, ,752 OCBC Capital Corporation 400, ,000 OCBC Capital Corporation (2008) 1,500,000 1,500,000 2,896,604 2,819,322 OCBC Bank (Malaysia) Berhad ( OCBC Malaysia ) OCBC Malaysia (OCBC Malaysia ) OCBC Capital Corporation ( OCC ) [21 1(g)]OCC (OCC ) Tier 1 OCBC Capital Corporation (2008) ( OCC2008 ) [21 1(h)]OCC (OCC2008 ) Tier 1 65

68 ,904,324 43,117,837 34,101,143 27,975,456 30,613,913 28,535,633 26,657,367 24,643,983 62,437,532 65,916,607 41,596,059 45,936,240 4,825,419 5,067, ,796 2,116,591 10,764,497 7,512,795 10,670,120 7,435,934 3,593,791 4,404,447 1,546,796 1,718, ,139, ,554, ,325, ,826,711 25,655,587 21,653,245 21,538,856 18,880, ,795, ,208, ,864, ,707, ,095,000 80,236,413 79,849,325 78,484,291 31,455,033 21,968,570 19,836,978 13,223,720 20,739,316 19,127,970 5,834,913 5,157, ,427,082 1,780, ,662 1,642,249 3,217,545 2,663,164 2,565,920 2,165,904 3,372,211 4,095,178 2,762,784 3,460,549 8,036,384 7,498,790 6,627,545 6,055,977 1,332,197 1,638, , ,927 7,629,795 10,388,358 2,504,864 4,234, ,139, ,554, ,325, ,826, ,801 1,086, ,820 1,083,275 12,648,972 11,933,941 11,555,256 10,667, , , ,421 89, , ,851 3,463,687 2,356,520 3,456,266 2,355, ,197 1,075, ,865 1,075,064 3,433,504 1,902,276 3,380,545 1,840, ,068 1,143, ,505 1,138,674 2,420,522 1,621, , ,531 25,655,587 21,653,245 21,538,856 18,880,685 66

69 18. ( ) ( ) () ( FED ) 45,763, , ,886 55,616, , , ,352,547 1,423,511 1,055, ,025,852 1,728,084 2,043,638 OTC 11,141, ,726 7,555 12,516, ,028 2,791 OTC 10,362,940 5, ,075 12,385,570 1, ,472 ( IRD ) 231,620,496 1,836,849 1,544, ,544,073 2,316,972 2,444, ,976,242 3,058,479 3,197, ,945,085 3,272,682 3,342,073 OTC 1,644,674 8,967 1,438,617 20,509 OTC 7,560,785 40,225 6,993,040 42,035 36, , ,142, ,096,729 4,051, ,396, ,449,022 3,067,649 3,238, ,869,752 3,293,193 3,384, ,307 3,204 5,837 71,403 1,348 7,107 OTC 796,401 50,178 6, ,180 72,384 1,653 OTC 714,331 7,412 17, ,206 1,662 60,156 1, , , , , ,011 1,867 27,946 1,313 1,194 1,845,018 63,001 30,509 1,436,550 76,846 70,281 9,471,841 55, ,974 5,857, ,117 44,055 8,825, ,315 48,668 5,818,064 35, ,132 18,297, , ,642 11,675, , ,187 64, , ,454 68,000 3, ,717 4, OTC 87,141 1, ,090 8,307 OTC 108,135 1, ,836 9, , ,051 2,212 2, ,465 6,346 3,466 1,975,222 16,049 13, ,734,005 5,154,754 5,000, ,501,586 5,898,815 6,112,768 FED (1) 1,819,211 89,673 14,816 IRD 4,713,400 81,714 84,507 4,188,354 95,659 69,785 FED (1) 4,305,244 4,170 5, ,606 1,956 12,268 10,837, , ,215 5,132,960 97,615 82,053 (1) 67

70 () ( FED ) 32,563, , ,852 42,673, , , ,435,895 1,254, , ,333,529 1,599,855 1,966,943 OTC 7,839,724 91,888 4,988 6,002,185 70, OTC 7,093,459 3, ,956 6,047, ,943 ( IRD ) 186,932,544 1,531,770 1,304, ,056,758 2,039,411 2,254, ,370,562 2,974,155 3,109, ,626,122 3,181,866 3,265,082 OTC 1,578,234 7,802 1,254,396 18,053 OTC 6,070,818 35,545 6,102,731 41,607 36, , ,139, ,096,729 4,051, ,396, ,283,694 2,982,157 3,145, ,476,259 3,199,921 3,306,745 80, ,898 42,208 1,138 6,897 OTC 114,482 15, ,238 14, OTC 148,569 1,117 3, , ,770 1, , , , , ,433 1,661 10, ,754 18,500 6, ,317 16,700 10,367 8,734,288 48, ,205 5,715, ,723 44,055 8,291, ,424 44,537 5,774,056 35, ,883 17,025, , ,742 11,489, , ,938 34, , ,408 41,958 2, ,715 4, OTC 121,841 1, ,090 8,307 OTC 107,573 1, ,938 9, , ,374 1,187 1, ,740 5,524 2,037 1,954,643 14,979 12, ,216,124 4,693,349 4,619, ,371,698 5,462,372 5,782,256 FED (1) 1,819,211 89,673 14, ,759 10,381 IRD 4,120,886 78,808 76,853 3,736,078 89,124 67,626 FED (1) 560, ,689 1,863 1,724 6,500, ,533 92,465 4,550,526 90,987 79,731 (1) 68

71 18. 3,163,444 4,136,075 2,936,461 3,969,927 1,265, ,935 1,185, , , , , ,700 52, ,054 8,096 19,598 70,753 68,369 70,013 67,647 5,154,754 5,898,815 4,693,349 5,462,372 2,176,972 2,658,728 2,163,142 2,668, , ,686 35,558 34,932 (1) 24,605 22,046 6,243 8, , , , ,500 (1) 250, , , ,501 2,149,134 2,468,454 2,063,479 2,360,235 5,154,754 5,898,815 4,693,349 5,462,372 (1) , , , , , , , ,798 2,261,839 2,027, , ,841 1,034,538 1,137, , ,083 4,323,093 4,023,408 1,542,720 1,458, (2410) ,079,709 1,048, , ,823 (306) (4,706) 478 (14) ()( 10) (18,756) (7,203) (12,221) 3,266 () (11,274) 55,291 (9,326) 1,524 (71,808) (25,878) (56,542) (13,066) 149,300 14, ,126,865 1,079,709 38, ,533 69

72 ,950 63,706 38,788 32, , ,233 27,688 84,136 67,024 69,523 61,698 63, , ,227 74,873 87, ,039 1,268,292 1,201, , ,560 (97,989) (78,858) (63,480) (61,706) 1,170,303 1,123,125 65, ,854 (93,697) (78,581) (73,497) (50,144) (697) (8,324) (47,033) (35,369) (16,240) (15,883) (141,427) (122,274) (89,737) (66,027) 97,989 78,858 63,480 61,706 (43,438) (43,416) (26,257) (4,321) 1,126,865 1,079,709 38, , (1590)( ) 21. ( ) [ 21 1] 5,126,972 4,079,820 ( ) [ 21 2] 3,021, ,261 ( ) [ 21 3] 2,832,523 8,292,837 ( ) [ 21 4] 443,145 31,260 11,424,427 13,063,178 70

73 ( ) (a) , (b) , , (b) , , (c) , , (d) , , (e) , , (f) ,218, (g) , , (h) ,500,000 1,500,000 5,760,994 4,871,228 (1,900,000) (2,019,800) 3,860,994 2,851,428 OCBC Bank (Malaysia) Berhad ( OCBC Malaysia ) (i) ,919 81, (j) , Tier 1 (k) , , (l) , , (m) , , ,077 PT Bank OCBC NISP Tbk ( OCBC NISP ) II (n) ,570 85, III (o) , , , ,215 ( GEL ) (p) , ,100 (499) GEL 398, ,100 5,126,972 4,079,820 (a) (b) Tier 2 (c) Tier 2 71

74 ( ) (d) Tier 2 (e) Tier 2 (f) Tier 2 (g) OCBC Capital Corporation4 ( 16) () (h) OCBC Capital Corporation (2008)15 ( 16) () (i) (j) OCBC Malaysia Mudharabah ( ) Tier (k) OCBC Malaysia Tier 1 ( IT1 ) IT IT1 Tier 1 (l) OCBC Malaysia OCBC Malaysia Tier 2 (m) OCBC Malaysia OCBC Malaysia Tier 2 (n) OCBC NISP (o) Tier 2 (p) GEL

75 ( ) 5 (a) , , (b) ,381 6 (c) , (d) ,221, (e) , ,132 3,021, ,261 (a) (b) (c) (d) (e) ( ) (a) 2,692,969 8,235,714 (b) 139,554 57,123 2,832,523 8,292,837 (a) ECP USCP ( 4 20 ) 12 27( ) ( 1 3 ) ( ) ( ) (b) CP MTN (2 7 CP MTN) ( 6 14 ) 12 21( 12 9 ) ( 1 5 ) ( 3 23 ) ( ) 73

76 ( ) ,348 8, ,540 8, ,257 15, ,145 31, , ,267.9 (498.4) (335.9) 69.6 (208.6) ( 4) 3, , , , , , , , , , , , , , , , , ,406.7 (1) , , () 8, , (1) 74

77 , , , ,336 5,557,298 4,451,328 3,382,850 2,342,603 10,175,274 7,699,311 5,483,085 4,045,660 16,396,833 12,896,605 9,381,653 6,985, ( ) ( ) 24. 1,387,525 2,333,350 1,387,525 2,333,350 11,492,379 10,631,867 10,692,392 10,258, , ,896 13,259,721 13,250,113 12,079,917 12,592,280 ( 44) (118,497) (118,497) 13,141,224 13,250,113 11,961,420 12,592,280 1,785,956 1,574,626 1,740,293 1,330,129 7,390,484 6,029,475 4,377,781 2,717,047 9,176,440 7,604,101 6,118,074 4,047,176 ( 44) (19,687) (207,297) (19,687) (59,553) 9,156,753 7,396,804 6,098,387 3,987,623 13,259,721 13,250,113 12,079,917 12,592,280 2,238,012 2,374,067 92,561 (1) 1,040,060 1,202, , ,814 1,418,577 2,282,848 1,418,576 2,011,906 (1) 3,883,811 1,693,846 3,876,061 1,687, ,980 50, ,241 46,661 22,436,161 20,854,214 18,197,991 16,639,456 (1) 25. () 207, , , ,789 () 10,062,287 4,483,876 9,209,132 3,811,245 () ,270,034 4,716,149 9,416,879 4,043,518 17,879,608 17,392,038 11,191,660 12,682,638 1,873,608 4,862,982 1,873,608 4,759, ,982 1,889,453 20,238,198 24,144,473 13,065,268 17,442,243 30,508,232 28,860,622 22,482,147 21,485,761 ( 44) (1,464,467) (831,495) (1,464,467) (831,495) 767, ,450 29,810,928 28,614,577 21,017,680 20,654,266 75

78 , , ,212 66,857 14,891,213 11,698,780 12,691,586 11,196,286 1,385,740 1,118, ,971 62, , , , ,235 1,271, ,384 1,268, ,736 1,013, ,858 1,009, ,897 2,134,185 1,712,067 2,004,248 1,555,755 1,171, ,012 1,165, ,811 7,738,360 11,357,501 3,661,639 6,135,932 30,508,232 28,860,622 22,482,147 21,485,761 1,305,918 1,365,382 1,234,655 1,198,078 2,967,583 2,093, , ,350 (1) 382, , , ,614 17,666,708 18,714,267 12,664,937 13,779,204 (1) 4,814,495 3,319,350 4,736,746 3,193,397 3,371,189 2,684,006 2,861,564 2,291,118 30,508,232 28,860,622 22,482,147 21,485,761 (1) ,030, ,132, ,301,591 98,822,338 ( 28) (303,498) (302,383) (133,926) (106,340) ( 29) (1,350,464) (1,219,577) (1,011,065) (929,471) 142,376, ,610, ,156,600 97,786,527 ( 44) (53,225) 142,376, ,556, ,156,600 97,786,527 9,874,156 11,312,408 8,337,025 9,182, ,502, ,297,668 95,819,575 88,604, ,376, ,610, ,156,600 97,786, ,141,316 61,198,143 68,376,147 59,834,591 31,680,402 35,716,290 23,532,756 27,932,634 18,403,794 16,723, ,989,282 4,464,640 1,919,733 2,877, ,359 1,197,351 5,110,505 5,592,007 4,377,786 4,375,942 2,300,292 1,169,916 1,461, ,163 3,698,219 3,496,733 3,529,736 3,407,014 1,133, , , ,602 4,653,176 3,115,912 2,626, , ,030, ,132, ,301,591 98,822,338 76

79 ,945,516 6,686,300 1,175,550 1,300,696 21,110,339 20,172,859 10,956,105 10,760,554 57,140,246 53,777,005 47,075,382 44,062,514 40,190,539 34,390,670 31,879,500 27,392,669 2,794,648 2,711,093 2,036,468 2,027,198 15,849,152 17,394,109 12,178,586 13,278, ,030, ,132, ,301,591 98,822, ,862,736 4,041,522 3,097,650 2,494,209 8,196,914 8,424,119 3,337,780 3,457,550 22,387,826 20,365,431 17,841,981 16,109,518 37,809,235 32,075,535 29,337,663 25,462,979 17,502,298 20,347,142 13,011,458 16,208,458 9,105,774 9,208,265 7,529,643 7,891,091 (1) 22,456,318 18,792,209 17,517,562 14,488,483 14,272,201 13,952,117 8,075,516 7,260,515 (1) 7,437,138 7,925,696 5,552,338 5,449, ,030, ,132, ,301,591 98,822,338 (1) ,129,952 6,839,067 6,030,387 6,726,555 1,926,261 1,366,498 (1) 1,733,716 1,241,644 1,460,677 2,224,825 1,460,671 2,200,890 (1) 56, ,539 56, , ,308,037 11,980,255 7,548,489 9,235,666 91,078,172 81,963,244 81,835,401 73,296,770 21,416,456 20,319,264 3,898,853 3,764,880 (1) 4,980,906 4,722,566 9,130,289 9,849,327 5,904,265 6,232,804 (1) 4,360,967 4,527,804 4,358,970 4,522,642 1,755,613 1,769,576 1,755,613 1,769, ,722, ,151,781 97,753,102 89,586, ,030, ,132, ,301,591 98,822,338 (1) ,215,488 68,259,948 72,887,754 66,647,296 23,157,061 21,063,792 3,417,694 2,926,056 (1) 10,678,702 9,383,017 5,553,187 3,036,634 17,378,849 19,952,336 13,369,404 15,064,753 (1) 8,253,418 7,873,178 5,486,114 7,013,250 9,346,922 8,599,765 4,587,438 4,134, ,030, ,132, ,301,591 98,822,338 (1) 77

80 ( NPLs ) ,145 (300) (3) (2) ,172 (305) ,172 (295) (10) (8) ,437 (313) 1, (134) 534 # # # (#) (134) (102) # 107 (7) (4) (113) 751 (1) ,172 1, # 89 # # ,172 1, (1) 50 78

81 27. ( NPLs ) # # (1) (1) ,172 1, (1) (2) , ,437 (105) (127) (73) (305) (71) (164) (78) (313) , (105) (3) (26) (134) (71) (14) (28) (113) ( NPLs ) (14 4 )27 8(21 8 ) # # # # # # (1) 50 79

82 , , ,340 83,661 (12,426) 2,869 (3,548) 339 (93,471) (101,341) (55,350) (35,793) (42,605) (49,479) (27,590) (32,028) 157, , ,335 92,737 ( 9) 115,222 79,038 92,745 60,709 (8,210) (6,729) (6,261) (2,542) () 416 (34) 12 31( 26) 303, , , , # (#) (9) (3) # # (#) (1) # # # (3) (3) (1) ,219,577 1,094, , ,047 (16,711) (1,901) (6,184) 896 ( 9) 147, ,364 87,778 72,528 (415) 12 31( 26) 1,350,464 1,219,577 1,011, ,471 80

83 30. 1,119,217 1,420, ,544 1,038, , , , , ,944 94, ,176 83,784 9, , ,587 43,190 22,587 43,190 2,112,668 2,042,762 1,707,453 1,446,280 6,505,733 6,764,556 4,782,004 5,026,798 3,700,210 3,027,200 2,178,439 1,887,297 2,138,506 2,694, , , , ,187 21,560 49, , ,072 20,044 15,646 19,186 77,099 9,392 14,324 12,717,586 12,981,035 7,566,445 7,977, , , , ,963 ( 32) (7,085) (6,824) 555, , , ,139 12,684,505 12,507,554 8,898,516 8,974,960 ( 32) (7,085) (6,824) 12,684,505 12,500,469 8,898,516 8,968,136 2,456,824 3,023, ,742 1,117, , ,118 61,838 73,564 15,385,494 15,828,398 9,692,096 10,159,297 ( 44) (453,504) (746,964) (343,684) (437,857) 14,931,990 15,081,434 9,348,412 9,721,440 (AAA BBB) 7,276,041 7,790,806 5,875,389 5,964,527 (BB C) 235, , , ,466 5,172,682 4,470,455 2,822,177 2,789,143 12,684,505 12,500,469 8,898,516 8,968,136 12,671,322 12,399,580 8,885,964 8,867,450 12,552 12, , , ,330 6,866 ( 32) (7,085) (6,824) 12,684,505 12,500,469 8,898,516 8,968,136 81

84 , , , , ,160 1,389, , ,919 1,520,989 1,444, ,715 1,031, , , , , , , , ,725 9,212,423 9,885,261 6,437,240 6,871,704 2,375,408 1,762,305 1,018, ,202 15,385,494 15,828,398 9,692,096 10,159,297 1,545,949 1,284,896 1,265,405 1,044,093 5,933,112 6,624,941 4,257,900 4,592,837 7,212,368 7,664,369 4,131,557 4,484, , ,192 37,234 37,769 15,385,494 15,828,398 9,692,096 10,159,297 3,689,248 4,351,971 2,458,037 2,821,259 1,994,262 1,866, , ,951 (1) 395, , ,132 83,303 3,623,488 2,930,528 1,908,758 1,366,101 (1) 3,365,215 3,081,820 2,925,217 2,780,453 (1) 2,317,777 3,338,583 1,766,348 2,654,230 15,385,494 15,828,398 9,692,096 10,159,297 (1) 82(79 )92(88 ) , , , ,878 () 2,068,349 1,527,042 20, , , , , , , , , ,404 3,844,627 3,191,439 1,147,341 1,186, (1 1310) 82

85 32. () 1 1 7,019 67,196 7,076 13,476 94, (255) (107) (14) (310) (31) (53) (1,034) (1,118) ()( 9) (699) (243) 17,036 16,094 6,157 6,157 () 217 (217) (45) (45) ,085 66,428 6,456 35, ,545 (417) (304) (72) (1,846) (2,639) (6,450) (914) (18,783) (26,147) ()( 9) (218) (552) 4,029 3,259 () (977) 3,605 2, ,124 3,941 22,581 92,646 (30) (35) (36) () ,578 6, ,836 1,637 27, (68) (8,291) (53) (8,344) ( 9) 3,442 3,442 () (2) 2 (9) (9) ,287 6, ,717 5,195 22,969 (414) (38) (388) (840) (6,450) (914) (7,364) ( 9) (607) (607) , ,269 5,261 14,763 (33-34) (30) (35) (36) , , , ,272 ( 32) (2,199) (2,199) 308, , , ,073 46,177 27,525 ( ) , , , ,073 83

86 ,126,771 1,037,417 (229,496) (209,223) 1,323 1, , ,538 () 140,379 58,938 Network For Electronic Transfers (Singapore) Pte Ltd (1) (1) PricewaterhouseCoopers 33.2 ( GEL China ) 50 GEL China (38.0) (32.1) (90.9) (76.3) (42.3) (41.1) 34. 1,895,642 1,895,642 3,872,896 3,794,156 ( 32) (3,088) (3,088) 5,765,450 5,686,710 4,744,058 5,706,918 1,067,200 1,068,200 5,811,258 6,775,118 11,576,708 12,461, PT Bank OCBC NISP Tbk ( ) (9 1860) 84

87 (3) Singapore Island Bank Limited OCBC Al Amin Bank Berhad OCBC Bank (Malaysia) Berhad () PT Bank OCBC NISP Tbk (1) ( 34 2) Great Eastern Life Assurance (Malaysia) Berhad (2) Overseas Assurance Corporation (Malaysia) Berhad (2) (2) (2) (2) (2) KPMG LLP Singapore (1) PricewaterhouseCoopers (2) Ernst Young (3) 34.2 OCBC Overseas Investments PteLtd PT Bank OCBC NISP Tbk ( OCBC NISP ) OCBC NISP

88 () 1 1 1,457,560 1,121, ,781 3,015,173 1,462, , ,347 2,836,507 (16,438) (18,249) (9,675) (44,362) (5,025) (5,224) (1,585) (11,834) , ,374 20, ,969 60, ,899 16, ,514 47, ,546 (6,425) (36,684) (7,012) (50,121) (23,772) (23,362) (9,583) (56,717) ( 36) 14,807 14,807 2,846 1,451 4, ,469,557 1,272, ,271 3,222,217 1,457,560 1,121, ,781 3,015, (310,696) (692,867) (281,312) (1,284,875) (294,960) (590,339) (259,275) (1,144,574) 4,444 11,344 6,696 22, ,403 1,184 5,514 (144) (121) (265) ,499 9,103 27,833 11,250 21,858 19,515 52,623 (14,112) (111,968) (41,305) (167,385) (14,249) (101,912) (36,251) (152,412) ( 4) (13,636) (27,051) (6,057) (46,744) (13,683) (25,877) (5,553) (45,113) ()( 36) (4,556) (4,556) 19 (932) (913) (338,325) (802,187) (312,996) (1,453,508) (310,696) (692,867) (281,312) (1,284,875) ( 32) 1 1 (65,829) (63) (536) (66,428) (65,856) (63) (1,277) (67,196) ( 36) (217) (217) (65,525) (63) (536) (66,124) (65,829) (63) (536) (66,428) ,065, , ,739 1,702,585 1,081, , ,933 1,663, , , , ,145 1,065,707 1,081,035 2,368,792 2,236,041 86

89 35. () , , , , , , , ,746 (12) (123) (457) (592) (19) ,191 22, , ,201 11, ,561 (5,673) (1,472) (7,145) (8,128) (6,485) (14,613) () ( 36) 10,405 10,405 (13,020) (13,020) , , ,017 1,001, , , , , (60,458) (304,818) (77,175) (442,451) (59,074) (244,798) (72,299) (376,171) (6) (21) (18) 5,311 1,321 6,632 8,121 5,990 14,111 (4,837) (70,836) (13,111) (88,784) (4,726) (68,135) (10,845) (83,706) ()( 36) (2,264) (2,264) 3,333 3, (67,553) (370,239) (88,681) (526,473) (60,458) (304,818) (77,175) (442,451) ( 32) 1 1 (946) (946) (948) (948) ( 36) (946) (946) (946) (946) , ,903 48, , , ,929 38, ,289 36,422 37, , , , , , ,618 87

90 ,119, , , ,841 (13,829) 2,236 (1,127) 83 17,335 13,344 16,180 13, ,329 (18,850) (965) (2,801) (180) () ( 35) (14,807) (4,297) (10,405) 13,020 (10,560) (4,362) (3,857) ,078,920 1,119, , , (190,840) (170,377) (92,146) (81,518) 1,400 (158) 332 (73) (8,026) 2, (16,812) (14,025) (7,140) (7,256) () ( 35) 4, ,264 (3,333) 2, (196,739) (190,840) (95,475) (92,146) ( 32) 1 1 (6,456) (7,076) (4,717) (4,836) () (111) () ( 35) 217 (2) (3,941) (6,456) (3,269) (4,717) 339, , , , , , , , , , , ,917 2,881,727 2,800,977 1,476,676 1,406,036 88

91 ,237,995 3,226,578 1,867,176 1,867,176 1,009 7,568 (63,807) 3, ,175,197 3,237,995 1,867,176 1,867, , ,903 (1) (13,267) (14,701) (2) (46,636) (46,636) (6,791) , ,399 3,817,902 3,947,394 1,867,176 1,867,176 3,175,197 3,237,995 1,867,176 1,867,176 1,063,485 1,071,915 (420,780) (362,516) 3,817,902 3,947,394 1,867,176 1,867, ( CGU ) CGU 844, , , , , ,000 1,938,497 1,938,497 ( GEH ) 427, , , ,346 29,437 29,437 PT Bank OCBC NISP Tbk 233, ,713 15,313 14,542 3,175,197 3,237,995 89

92 CGU ( )() ( ) CGU CGU CGU ( )() 8 0 (8 0 )9 5(9 5 ) CGU ( ) ( ) ,949 2, , , , , ,266 (13) (47) (60) (95) (68) (2) (#) (106) (271) 589 1, , , # ,779 93,494 66,600 60,617 19, , (10,667) 295,943 73,848 88,563 43,268 53,226 16, ,842 2,067 (10,667) 267,242 55,384 86,188 1, ,030 () ,172 (1) 50 90

93 ,698 2, , , ,230 (14) (47) (61) ( ) (71) (165) (5) (4) 24 (221) 489 1, , # ,331 94,630 60,684 56,579 17, , (8,740) 277,758 65,592 87,064 37,935 50,227 18, ,185 1,923 (8,740) 252,368 48,810 83,952 1, ,132 () 292 1, ,437 (1) 50 ( ) ()() 91