II PT Bank NISP 250 Nasruddin Bin Bahari Pramukti Surjaudaja ( ) () () Nasruddin Bin Bahari () Na

() Co.Reg.no.: 193200032W Oversea-Chinese Banking 2007 Corporation Limited Annual Report 2007 Ask OCBC Oversea-Chinese Banking 2007 Corporation Limited Annual Report 2007

10 14 16 20 24 II 26 33 37 131 1750 15 460 PT Bank NISP 250 www.ocbc.com Nasruddin Bin Bahari Pramukti Surjaudaja ( ) () () Nasruddin Bin Bahari () Nasruddin Bin Bahari Pramukti Surjaudaja 65 Chulia Street #29-00 OCBC Centre Singapore 049513 : (65) 6318 7222 () : (65) 6533 7955 : ContactUs@ocbc.com : www.ocbc.com M&C Services Private Limited 138 Robinson Road #17-00 The Corporate Office Singapore 068906 : (65) 6223 3036 KPMG 16 Raffles Quay #22-00 Hong Leong Building Singapore 048581 : (65) 6213 3388 (: 2006) EPIGRAM

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200 2006

200 FairPrice Plus NTUC Plus FairPrice Plus FairPrice Plus ATM Plus

200 ealerts@ocbc

200 OCBC Bank (China) Limited ( OCBC China ) 200 8 1

10 200 2 0 0 ( CDOs ) 200614 400 18 800 0.1%1 11.8% 1.4%14 II12% 000 1 400 20 100 20 200 00 2.1% 22 4400 1.0% 28 10 2.10% 4.% 1 4400

200 11 26.2% 16 8000 41% 1.1%4600 18% 40.1% 200641.1% 200CDO 2 1002 2600 (1 00 ) ( ABS )1 8100 2008% 4100 (2800 ) 00200 100 1 800 800 600 2006200 26% 1 400 1.%.0% 100.% 116.1% 200 14.%400 Lion Capital Management 4 400 2.% OCBC Bank (Malaysia) Berhad 18.8% 1200 Bank NISP.%200 14 20028 2006 2 8 6400 46%4% Tier-2 Tier-2 Tier-2Tier-1 Tier-1 200 12 1 12.4% MAS 10% Tier-111.% MAS 6% 2008 4 2008 200% Bank NISP Bank NISP 200 / 148 2 44 2004 Bank NISP 200 Great Eastern Indonesia 200

12 200 Bank NISP ()( OCBC China ) 200 8 1 12 OCBC ChinaOCBC China (6 800 ) 200 2008 2008 OCBC China 1 100 200 10.0% 200 10 800 00 VP Bank200 Platinum EMV MasterCard 1% VP Bank 10% 200 80,000FairPrice Plus 10 2006 20026 600 20018 800 2%2006 2010 II 10% 2006200 1% 2% 2008

200 13 4.0 6.0% 6.0 6.% 6.0.0% 2,000, 182002 Nasruddin Bin Bahari 2000 Nasruddin Bin Bahari OCBC Malaysia 200 2008 2 21

14 200 12 1 2007 2006 2005 2004 2003 () 4,281 3,840 2,887 2,625 2,193 1,680 1,331 1,145 988 855 2,601 2,508 1,742 1,637 1,338 46 44 40 158 127 36 2 12 77 225 2,539 2,476 1,706 1,491 1,222 2,071 2,002 1,298 1,148 954 (1) 2,117 2,046 1,338 1,306 1,081 () ( ) 71,316 59,309 55,134 51,829 48,984 88,788 75,115 64,088 57,287 53,460 174,607 151,220 134,710 121,935 84,497 (2) 133,471 113,607 99,615 92,299 84,497 157,768 136,729 121,223 110,216 74,419 14,782 12,508 11,442 10,334 9,163 15,678 13,404 12,338 11,230 10,059 (3) ( ) 65.9 63.4 40.1 35.4 30.0 ( ) (1) 67.4 64.8 41.4 40.4 34.1 ( ) (4) 28.0 23.0 18.4 12.7 7.6 ( ) (5) 41.7 20.7 (S$) 4.79 4.07 3.67 3.27 2.98 (%) 14.76 16.56 11.37 11.30 10.03 (6) 1.66 1.92 1.30 1.28 1.13 () (7) 2.35 2.77 2.19 2.75 3.96 (1) 39.2 34.7 39.6 37.6 39.0 (8) Tier 1 11.5 13.1 13.2 12.6 12.8 12.4 15.8 17.3 17.7 18.4 (1) (2) 20042006 () 200 1S$1S$0.0 20018200 8 (4) 200 2006 () 2002001 GS$0. 20020011 1 (6) () () (8) 200428 6

200 15 () () () () () () ( ) ( ) (%) (%) Tier 1 (%) (%)

16 200, 11 2006 4 20 2002 26200 6 0 2001 Singapore Airlines Ltd 2 Great Eastern Holdings LtdUniversity of Adelaide Australian National University, 18 4 21 200 4 1 200226 Great Eastern Holdings Ltd The Straits Trading Company Ltd WBL Corporation Ltd Bukit Sembawang Estates LtdUniversity of BristolHon. L.L.D.Institute of Chartered Accountants in England and Wales Institute of Certified Public Accountants of Singapore 200 10 1 2006 4 20Singapore Totalisator Board Neptune Orient Lines Ltd The Straits Trading Co Ltd Singapore Labour Foundation Singapore Chinese Chamber of Commerce and Industry Competition Commission of Singapore KPMG Singapore 0200 University of SingaporeInstitute of Chartered Accountants in England and Wales Institute of Certified Public Accountants of Singapore, 2002 4 1 200 4 1 Citibank, N.A.2 1Citibank Japan 161 Citibank India Citibank SingaporeBank of Singapore Ltd PT Bank NISP Tbk Great Eastern Holdings Ltd OCBC Bank (Malaysia) Berhad Lion Capital Management LtdSt. Louis Washington UniversityColumbia University

200 17 200 1 1 200 4 1 Wee Swee Teow & Co Guthrie GTS Ltd Singapore Institute of Directors 1 ( ) ( ) University of Singapore LLB () LLM 166 2 2 200 4 1 1 8 1 200 6 0 Great Eastern Holdings Ltd GIC Real Estate Pte Ltd Lee Rubber Group of Companies Lee Foundation University of Toronto University of Western Ontario 200 4 4 2006 4 20 Durham Duke University Medical SchoolDuke- NUS Graduate Medical School Monetary Authority of Singapore Lee Foundation Lee Rubber Group of Companies Yale University Imperial College, London NASRUDDIN BIN BAHARI Nasruddin 2000 11 12000 OCBC Bank (Malaysia) Berhad Affin Money Brokers Sendirian Berhad Sumber Petroleum Cemerlang (SPC) Sendirian Berhad Lingkaran Trans Kota Holdings Berhad (LITRAK) OCBC Advisers (Malaysia) Sendirian Berhad RB Land Holdings Berhad The Pacific Insurance Berhad NasruddinUniversity of Malaya (Singapore) University of Pittsburgh

18 200 200 1 1 2000National University of Singapore Lee Kuan Yew School of Public Policy Asia Competitiveness Institute Great Eastern Holdings Ltd Keppel Offshore & Marine LtdNational University of Singapore University of Pittsburgh MR PRAMUKTI SURJAUDAJA Pramukti 200 6 12006 4 20 PT Bank NISP Tbk1 12000 Bank OCBC-NISP PramuktiSan Francisco State University ( ) Golden Gate University() International University of Japan ( ) 2002 4 200 4 1 Keppel Corporation Ltd Skills Development Centre Pte LtdUniversity of Singapore Harvard University () () 1 8 1 200 4 1 OCBC Bank (Malaysia) Berhad Ascendas-MGM Funds Management Ltd LMA International NV()University of Cambridge Institute of Chartered Accountants in England and Wales Institute of Certified Public Accountants in Singapore

200 19 18 8 1 2000WBL Corporation LtdPacificMas Berhad PT Bank NISP TbkUniversity of Singapore 2001 2006 4 20Tuan Sing Holdings Ltd MobileOne Ltd Accuron Technologies LtdUniversity of Malaya (Singapore)

20 200, 2002 4 1200 4 1 Citibank, N.A.2 1Citibank Japan161 Citibank IndiaCitibank SingaporeBank of Singapore Ltd PT Bank NISP Tbk Great Eastern Holdings Ltd OCBC Bank (Malaysia) Berhad Lion Capital Management LtdSt. Louis Washington UniversityColumbia University, 2001 12200 200 Bank of Singapore (Australia) 6 20 United Engineers Ltd Banking Computer Services Pte Ltd University of Western Australia, 200 0 Bank of America Bank of America (Asia) China Construction Bank (Asia) Corporation University of California, Los Angeles (UCLA) (), OCBC BANK MALAYSIA 2001 1 1 1 1 16 OCBC Bank Malaysia Monash University of Australia( ) University of Salford, England, 200 6200 6 28 University of Singapore()

200 21, 2004 4 21 Citibank1 National University of Singapore (), 2001 Bank NISP200 10 2 International Bank of Singapore 11 Coventry (Lanchester) University, UK (), 188 1 Bank NISP 40Citibank N.A., Singapore 20University of Singapore, 200 8 2Credit Suisse First Boston Credit Suisse Singapore Security Pacific National BankUniversity of Singapore, 200 1 21 Government of Singapore Investment Corporation Citibank N.A. Singapore Temasek HoldingsAsia Financial Holdings National University of Singapore

22 200, 200 4 18 Citibank Chase Manhattan BankNanyang Technological University( ), 2002200 4 Wilmar Holdings 1Citicorp Investment Bank, SingaporeUniversity of Chicago University of Singapore, 200 4 2 Philips Electronics Asia Pacific Bank of AmericaUnion Carbide Asia Pacific National University of Singapore GILBERT KOHNKE, Kohnke 200 Basel II 1 Canadian Imperial Bank of CommerceCIBC University of Western OntarioUniversity of Windsor, Ontario University of Hawaii, 2006 1 20 18 1 California State Polytechnic University ()

200 23, 200 1 200 16 National University of Singapore() ( )Institute of Cost and Management Accountants, UK, 200 4 2 DFS Ventures Mentor Graphics Apple Computer National Semiconductor Ngee Ann Polytechnic University of Hull, UK, OCBC BANK (CHINA) 200 12OCBC Bank (China) Ltd 12 Philips Electronics China Group HSBC Bank (China) Company Limited National University of Singapore, 2004 6 2National University of Singapore Royal Institution of Chartered Surveyors, UK, 1 12002 8 Price Waterhouse University of Western AustraliaInstitute of Chartered Accountants in Australia Institute of Certified Public Accountants of Singapore, 2004 11 2006 4 1 National University of Singapore

24 200 II(NEW HORIZONS II) II20062010 (200200 ) 1% Basel II 10% 12% %

200 25 200 10% ATM Plus 10 1% 1% Stay Curious 84 11.2% Mighty Savers EasiCredit Finance Asia Asiamoney Alpha South East Asia The Asset Asia Risk 200 Asiamoney 1% Lion CapitalEdge-Lipper S&P Lion Capital1 2008 1 Basel II Moody saa1(200 ) S&PA+ FitchAA- 26% 1% 6 0% 10 1140 6% 0% 2002 0% 0 The Little Skool-House at-ocbc-centre 1.4% 2% 22% 28 46% 0008800 Bank NISP Lower Tier 22 200 Damansara Bank NISP148 Bank NISP Bank NISP Great Eastern Indonesia 200 8 1OCBC Bank (China) Limited 11OCBC Singapore VP Bank MasterCard Platinum EMV VP Bank ATMMasterCard

26 200 200 200 200 () 2008 1 40 Bank NISPBank NISP () Bank NISP NISP Bank NISP Bank NISP Bank NISP ( CRMC )( MRMC ) ( ALCO ) ( ORISC ) 2008 1 ()

27 200 () ( F-IRB ) ( RWA ) ( A-IRB ) ( IMA ) a) b) ( CRMC ) CRMC / CRMC CRMC / ( NPAC ) NPAC ( CRR ) CRR CRR2002 11 /

28 200 () ( NPLs ) OCBC Bank Malaysia 612 / / () 612 ( FRS ) ( ) ( ) 612 FRS 180 % 2 28 1 40 ( MRMC )

200 29 () MRMC MRMC ( MRMD ) MRMD ( ) ( ) (VaR) VaR VaR( ) ( % ) VaR VaR VaR 100 VaR ( PV01 ) VaR PV01 ( ) 200 VaR VaR 2007 2006 8.94 6.77 3.23 12.34 3.80 5.80 3.80 9.47 8.85 5.67 0.86 13.42 2.26 1.93 0.65 3.34 2.77 2.04 0.67 3.57 0.69 0.33 0.06 1.12 (1) 1.64 1.38 0.49 3.74 0.59 0.92 0.34 2.21 0.86 0.90 0.29 1.78 0.53 0.40 0.22 0.67 (2) -8.63-6.20 NM (3) NM (3) -2.90-2.77 NM (3) NM (3) 14.43 10.56 4.83 19.68 4.97 6.61 4.43 9.49 (1) VaR( ) (2) VaR VaR () NM VaR VaR 200

30 200 () 200VAR (1) VaR(1) VaR VaR ( ALCO ) ALCO ALCO 200

200 31 () ( ORISC ) ORISC / ( ) /

32 200 () /

2007 33 () A : (i) Tier 1 Tier 1 (ii) Tier 2 Upper Tier 2 45% Lower Tier 2 Tier 1 Upper Tier 2 Lower Tier 2 E G OCBC Capital Corporation Tier 1Upper Tier 2 Lower Tier 2 : (i) Tier 1 Tier 1 15% (ii) Tier 1 Tier 1 30% (iii) Tier 2 Tier 1 100% (iv) Lower Tier 2 25% 2008 1 Basel II 2007

34 2007 () : (i) : (ii) 0%200% 10% 2007 12 31 (1) : 2007 2006 12 31 12 31 Tier 1 5,520 5,481 9,366 8,136 (3,455) (3,560) 11,431 10,057 Upper Tier 2 713 704 2,426 3,112 247 205 3,386 4,021 Lower Tier 2 225 Tier 2 3,611 4,021 Tier 1 Tier 2 15,041 14,078 (2,506) (1,889) (124) (85) 12,411 12,105 99,381 76,514 Tier 1 11.5% 13.1% 12.4% 15.8% (1) 2004 5 28 637

2007 35 () 2007 12 31 50043502006 6 5 2 6900 3920 45%2007 12 31 14 2007 28 8 6400 18 7800 46%(2006: 7 900 14 4300 49%)

36 2007

38 46 47 48 49 50 52 53 54

38 2007 2007 12 31 2007 12 31 Nasruddin Bin Bahari Pramukti Surjaudaja 95 96 50153153(6) Nasruddin Bin Bahari50153

2007 39 2007 12 31 (a) 31.12.2007 1.1.2007 31.12.2007 1.1.2007 97,179 88,471 69,487 (1) 76,522 (2) 131,998 127,198 59,998 (5) 59,998 (5) 4,800 40,000 (5) 40,000 (5) 1,009,393 573,919 288,018 (3) 285,145 (4) 9,600 4,800 6,649,194 6,644,394 3,901,094 (5) 3,901,094 (5) 2,357,952 2,353,152 Nasruddin Bin Bahari 14,400 9,600 9,600 4,800 14,400 9,600 936 (5) 936 (5) 21,600 16,800 379,746 344,946 165,322 (5) 145,322 (5) 14,400 9,600 4.2% G 15,000 15,000 22,000 22,000 8,227 (5) 8,227 (5) 50,000 50,000 800,000 800,000 600,000 (5) 600,000 (5) 240,000 240,000 7,000 (5) 7,000 (5) 38,216 38,216 21,372 (5) 21,372 (5) (1) 9,600 59,887 (2) 9,600 66,922 (3) 276,856 11,162 (4) 273,983 11,162 (5) / 4.5% E

40 2007 2007 12 31 ( ) (b) 31.12.2007 1.1.2007 714,800 514,800 3,395,000 3,464,000 393,600 573,600 2008 1 212007 12 31 2006 6 12 ( ) OCBC Management Services Private Limited 2007 12 31 $1,090,562 $100,000 2006 12 31 ( 2006 712) $556,071 $325,860$50,000 $275,860 2007 12 31 () (a) (i) 1994 1994( 1994 )1994 6 11 OCBC Bank (Malaysia) Berhad 1994 2001 8 32001 1994199819992000 2001 19992001 12 31 (ii) 2001 2001 ( 2001 )2001 5 17 1994 ()2001 20022002A2002B200320042004A2004B2005 2005A20062006A2006B 20022006 12 31

2007 41 2007 12 31 ( ) (a) ( ) Nasruddin Bin Bahari (b) 20015,510,350540 $1 200,000 $8.590 15.3.2008 13.3.2012 551,000 $8.590 15.3.2008 13.3.2017 5% 2007 (i) 2007 3 14()( 2007 2007B ) 2017 3 13 2008 3 152017 3 13 $8.59 (ii) 2007 3 14 ( 2007NED ) 2012 3 13 2008 3 152012 3 13 $8.59 (iii) 2007 1 15( 2007A ) 2017 1 14 2008 1 162017 1 14 $7.60 (iv) Singapore Exchange Securities Trading Limited (v) 2001() (vi) 2001 99.2 (1) 9.4 (2) 9.5 (3) 9.6 (vii) 2001 33% 33% 34%

42 2007 2007 12 31 ( ) (b) ( ) (viii) 2001 7.3 (ix) ( ) (x) (c) 200,000 714,800 714,800 (2007NED ) 551,000 4,115,000 720,000 3,395,000 (2007 ) 927,539 533,939 393,600 31.12.2007 1998 296,328 $2.675 22.01.2001 21.01.2008 1999 1,456,142 $3.139 10.12.2001 09.12.2008 2000 2,682,795 $4.542 06.12.2002 05.12.2009 2001 4,318,486 $5.367 05.12.2003 04.12.2010 2002 6,501,303 $5.742 09.04.2003 08.04.2012 2002A 720,000 $5.692 23.04.2003 22.04.2012 2002B 180,000 $4.367 24.10.2003 23.10.2012 2003 5,301,677 $4.067 28.03.2004 26.03.2013 2004 4,716,205 $5.142 16.03.2005 14.03.2014 2004A 160,800 $5.492 20.08.2005 18.08.2014 2004B 103,200 $5.667 23.11.2005 21.11.2014 2005 4,714,251 $5.767 15.03.2006 13.03.2015 2005A 1,924,596 $5.784 09.04.2006 07.04.2015 2006 3,773,621 $6.820 15.03.2007 13.03.2016 2006A 12,400 $6.780 24.01.2007 22.01.2016 2006B 1,198,670 $6.580 24.05.2007 22.05.2016 2007 3,666,750 $8.590 15.03.2008 13.03.2017 2007A 445,000 $7.600 16.01.2008 14.01.2017 2007B 1,040,000 $8.590 15.03.2008 13.03.2017 2007NED 200,000 $8.590 15.03.2008 13.03.2012 43,412,224

2007 43 2007 12 31 2003 ( DSP ) DSP DSP DSP 2007 1 DSP 1,438,600(80,287) 2006 12 31 2007 12 31 109,421 (9,417) 868,96493,866 2004 4 30 ( ESP ) ( ) 21 ESP ESP ESP ESP 2006 7 12008 6 30$6.453,338 () ESP8,222,248 1,411,607 ESP ESP 5% (a) ESP (i) 24(10) 30 14 (ii) ()Singapore Exchange Securities Trading Limited (iii) ESP/ / ESP (iv) 8.4ESP

44 2007 2007 12 31 ( ) (a) ESP ( ) (v) ESP $72,000() (vi) (vii) ESPESP (b) ESP ESP ESP ESP 14,257 14,257 25,419 14,257 11,162 2007 12 31 ESP 5,483,991 ( ) 1997 $3.168 328,804 1998 $2.675 572,539 1999 $3.139 349,812 2000 $4.542 1,119,459 2001 $5.367 2,605,774 2002 $5.742 3,164,914 2003 $4.067 2,467,770 2004 $5.142 2,155,180 2005 $5.767 1,002,009 2005A $5.784 740,076 2006 $6.820 281,043 2006B $6.580 164,046 $6.450 1,411,607 16,363,033

2007 45 2007 12 31, Nasruddin Bin Bahari SGX-ST 2005 () MAS (a) (b) KPMG KPMG 2008 2 21

46 2007 2007 12 31 (a) 48 1282007 12 31 (b) 2008 2 21

2007 47 2007 12 31 ( )( ) 2007 12 31 48 128 50 ( ) ( FRS ) (a) 612 FRS 39 2007 12 31 (b) KPMG 2008 2 21

48 2007 2007 12 31 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 5,265,312 4,516,313 3,814,182 3,282,635 (3,021,103) (2,722,255) (2,353,201) (2,132,883) 3 2,244,209 1,794,058 1,460,981 1,149,752 5,793,155 5,225,491 3,075,450 2,271,996 (4,843,439) (4,939,969) (1) (2,543,523) (805,496) (1) (972,438) (1,375,859) 4 509,205 376,163 64,939 59,409 () 5 808,036 597,352 427,613 328,085 6 55,405 128,911 618,302 427,736 62,182 77,924 23,282 21,669 7 536,640 805,724 238,346 387,232 2,036,407 2,045,483 1,307,543 1,164,722 4,280,616 3,839,541 2,768,524 2,314,474 (946,010) (721,613) (457,683) (342,298) (733,644) (609,531) (535,946) (459,898) 8 (1,679,654) (1,331,144) (993,629) (802,196) 2,600,962 2,508,397 1,774,895 1,512,278 38 (46,391) (43,732) ( )/ 9 (36,164) (2,426) (328) 26,926 2,518,407 2,462,239 1,774,567 1,539,204 20,937 13,651 2,539,344 2,475,890 1,774,567 1,539,204 10 (356,104) (369,818) (153,653) (203,262) 2,183,240 2,106,072 1,620,914 1,335,942 : 2,070,754 2,002,192 112,486 103,880 2,183,240 2,106,072 ( ) 11 66 63 66 63 (1) 20066 1740

2007 49 2007 12 31 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 13 5,520,141 5,480,943 5,520,141 5,480,943 14 55,962 103,262 94,077 83,162 15 1,676,216 2,027,811 1,358,504 1,698,130 1,725,964 667,712 430,074 405,102 16 6,699,307 5,124,544 3,709,757 2,561,840 15,677,590 13,404,272 11,112,553 10,229,177 17 1,161,222 1,086,631 16,838,812 14,490,903 11,112,553 10,229,177 18 88,788,394 75,114,981 70,415,116 59,363,176 18 14,726,082 11,869,252 13,023,929 11,233,918 1,189,337 1,083,021 59,500 119,637 47,157 3,353 171,993 421,795 171,993 421,795 19 2,696,546 2,113,796 2,589,755 2,050,881 20 3,313,170 2,577,510 1,064,705 1,119,749 648,669 599,046 319,513 286,653 (1) 21 1,162,693 991,066 123,130 136,887 22 4,969,577 5,130,673 5,032,021 5,359,096 116,536,624 98,937,756 93,976,656 81,058,529 (1) 23 41,231,856 37,791,012 157,768,480 136,728,768 93,976,656 81,058,529 174,607,292 151,219,671 105,089,209 91,287,706 24 8,396,398 5,741,343 5,493,125 3,207,583 25 8,762,171 8,146,956 8,208,665 7,645,498 25 3,445,746 2,194,998 571,865 285,702 26 15,105,109 17,750,089 13,210,696 16,409,952 27-30 71,316,000 59,309,000 54,490,406 46,478,716 31 13,624,912 7,558,241 8,800,396 5,380,272 44 888,654 1,896,579 888,654 523,771 45 912 6,506 2 805 19 2,937,082 2,414,434 2,817,939 2,353,842 32 2,981,856 2,524,217 1,312,620 1,201,134 21 45,449 48,188 666 1,966 34 243,416 309,214 96,416 96,593 35 6,510,411 5,122,029 (2) 36 1,611,698 1,542,044 326,886 299,048 (2) 37 666,732 644,276 493,286 413,619 38 3,444,420 3,520,949 1,867,176 1,867,176 133,470,555 113,607,034 105,089,209 91,287,706 (2) 23 41,136,737 37,612,637 174,607,292 151,219,671 105,089,209 91,287,706 42 8,861,142 6,819,168 7,137,357 5,153,705 43 45,050,761 37,075,988 36,279,739 31,267,255 19 339,925,452 242,467,119 319,968,864 227,403,447 (1) 20064 8880 (2) 20068 1060 FRS 40

50 2007 2007 12 31 $ 000 2007 1 1 5,480,943 103,262 2,027,811 667,712 5,124,544 13,404,272 1,086,631 14,490,903 : 1,232,861 1,232,861 14,908 1,247,769 (192,374) (192,374) (9,777) (202,151) 17,765 17,765 (107) 17,658 (60,120) (60,120) (15,745) (75,865) /() 1,058,252 (60,120) 998,132 (10,721) 987,411 2,070,754 2,070,754 112,486 2,183,240 1,058,252 2,010,634 3,068,886 101,765 3,170,651 (53,229) (351,595) 404,824 (59,036) (59,036) (840,695) (840,695) (840,695) 31,862 31,862 10,915 10,915 10,915 (43,491) (43,491) (43,491) 502 502 502 DSP (10,540) (10,540) (10,540) DSP 5,554 5,554 5,554 82,187 82,187 82,187 2007 12 31 5,520,141 55,962 1,676,216 1,725,964 6,699,307 15,677,590 1,161,222 16,838,812 : 2,934 125 28,600 31,659 (147) 31,512 12 16

2007 51 2007 12 31 $ 000 2006 1 1 1,561,177 4,292,000 1,959,332 617,819 3,907,553 12,337,881 1,148,978 13,486,859 : 367,579 367,579 25,081 392,660 (312,990) (312,990) (9,699) (322,689) (4,696) (4,696) (3,823) (8,519) (20,526) (20,526) (1,350) (21,876) /() 49,893 (20,526) 29,367 10,209 39,576 2,002,192 2,002,192 103,880 2,106,072 49,893 1,981,666 2,031,559 114,089 2,145,648 (24,102) 68,479 (44,377) 40,635 40,635 (121,577) (80,942) (54,859) (54,859) 2005 () 4,185,344 (4,185,344) (677,032) (677,032) (677,032) 10,643 10,643 10,643 (2,577) 2,577 (43,266) (43,266) (43,266) (392,374) (392,374) (392,374) 324 324 324 52,345 9,967 62,312 62,312 DSP (7,616) (7,616) (7,616) DSP 5,137 5,137 5,137 36,069 36,069 36,069 2006 12 31 5,480,943 103,262 2,027,811 667,712 5,124,544 13,404,272 1,086,631 14,490,903 : 1,404 51,740 53,144 (15) 53,129 12 16

52 2007 2007 12 31 $ 000 2007 1 1 5,480,943 83,162 1,698,130 405,102 2,561,840 10,229,177 : 108,594 108,594 (99,394) (99,394) 15,772 15,772 28,072 28,072 24,972 28,072 53,044 1,620,914 1,620,914 24,972 1,648,986 1,673,958 (339,626) 339,626 (840,695) (840,695) 10,915 10,915 (43,491) (43,491) 502 502 82,187 82,187 2007 12 31 5,520,141 94,077 1,358,504 430,074 3,709,757 11,112,553 2006 1 1 1,561,177 4,245,319 1,631,330 396,285 2,033,360 9,867,471 : 223,360 223,360 (226,040) (226,040) 11,497 11,497 (20,364) (20,364) /() 8,817 (20,364) (11,547) 1,335,942 1,335,942 8,817 1,315,578 1,324,395 66,800 (66,800) 40,635 40,635 2005 () 4,185,344 (4,185,344) (677,032) (677,032) 10,643 10,643 (2,577) 2,577 (43,266) (43,266) (392,374) (392,374) 324 324 52,345 9,967 62,312 36,069 36,069 2006 12 31 5,480,943 83,162 1,698,130 405,102 2,561,840 10,229,177 12 16

2007 53 2007 12 31 2007 2006 $ 000 $ 000 2,539,344 2,475,890 : 46,391 43,732 36,164 2,426 (3,383) 14,023 104,095 103,593 (202,151) (323,673) (97,187) (278,573) 10,018 9,695 (20,937) (13,651) 9,521 14,284 794,366 1,093,581 (509,205) (376,163) 2,707,036 2,765,164 : 13,611,656 11,126,086 2,856,830 1,561,820 1,280,294 601,013 (249,802) (34,101) (989,494) (1,649,947) (953,734) (178,675) 2,853,564 (5,611,154) (11,896,898) (4,191,401) (952,151) (696,407) (122,900) (750,786) 8,144,401 2,941,612 (286,560) (249,335) 7,857,841 2,692,277 (302,603) 35,950 8,432 /() 49,108 (117,772) (6,920,902) (2,856,498) (237,580) (252,142) 67 2,686,071 3,179,777 156,670 377,114 ()/ (4,230,683) 36,375 (840,695) (677,032) (59,036) (54,859) (113,618) (77,910) 82,187 98,381 32,325 (43,491) (435,640) (942,328) (1,147,060) (29,775) (22,307) 2,655,055 1,559,285 1 1 5,741,343 4,182,058 12 31 8,396,398 5,741,343

54 2007 2007 12 31 2008 2 21 1. ( )65 #29-00 049513 () 2. 2.1 ( )( FRS ) FRS 39 612 FRS 2.23 FRS FRS( INT FRS ) 2007 1 1 FRS FRS 1 (2006) FRS 40 (2005) FRS 107 (2006) INT FRS 108 (2006) INT FRS 109 (2006) INT FRS 110 (2006) () FRS 102 FRS 40 FRS 40 1 4770(620) 2007 1 1 FRS 40 INT FRS 108 INT FRS 109 FRS 102 FRS 39 INT FRS 110

2007 55 2007 12 31 2. ( ) 2.2 2.2.1 () 50% 2.2.2,20% 50% 2.2.3 ( ) 2.2.4

56 2007 2007 12 31 2. ( ) 2.3 2.3.1 ( ) 2.3.2 2005 1 1 2.4 2.5 2.5.1 2.5.2 2.5.3 2.5.4 ( )

2007 57 2007 12 31 2. ( ) 2.6 2.6.1 2.6.2 () 2.6.3 2.6.4 2.7

58 2007 2007 12 31 2. ( ) 2.8 5 10 5 10 3 10 3 5 5 10050( ) 2.9 100 50() 2.10 2.10.1 2.10.2 2.11

2007 59 2007 12 31 2. ( ) 2.12 2.12.1 / 2.12.2 ( ) 2.12.3 ( CGU ) CGU CGU CGUCGU CGU 2.12.4 ( ) ( ) 2.13 9090

60 2007 2007 12 31 2. ( ) 2.14 (a) (b) (c) 2.15 2.16 (a) (b) (c)

2007 61 2007 12 31 2. ( ) 2.16 ( ) FRS 104 105% () (a) (142 )2004 ( ) (b) 1996 10 1 5 ( LTRFDR ) 1015 10 LTRFDR SGS 3.5% 4.0%4.5% 4.0% 4.5% 100% ( SMVT )1996 3 150% Cologne Re male * 2.23

62 2007 2007 12 31 2. ( ) 2.16 ( ) / ( IBNR ) 75%Bornhuetter-Ferguson Mack sibnr 2.17 ( URR ) URR 1/24th 2.18 ( )

2007 63 2007 12 31 2. ( ) 2.19 2.19.1 ( ) 2.19.2 (a) ( ) 90% 10% (b) (c) () 2.19.3 ( 2.17) 2.19.4 2.19.5 2.19.6

64 2007 2007 12 31 2. ( ) 2.19 ( ) 2.19.7 ( ESP ) ( DSP ) () ESP DSP DSP 2.19.8 ( ) 2.20 2.21 2.22

2007 65 2007 12 31 2. ( ) 2.23 2.23.1 2.23.2 CGU CGU CGUCGU 2.23.3 () ( ) 2.23.4 2.23.5

66 2007 2007 12 31 2. ( ) 2.23 ( ) 2.23.6 FRS 39 2.23.7 3. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 3,534,958 3,109,263 2,491,126 2,210,070 862,837 744,312 713,480 637,947 867,517 662,738 609,576 434,618 5,265,312 4,516,313 3,814,182 3,282,635 (2,174,716) (1,966,178) (1,568,490) (1,412,977) (569,071) (473,263) (510,969) (437,629) (277,316) (282,814) (273,742) (282,277) (3,021,103) (2,722,255) (2,353,201) (2,132,883) : 5,132,777 4,417,506 3,716,980 3,199,049 132,535 98,807 97,202 83,586 (3,009,333) (2,706,886) (2,341,431) (2,117,514) (11,770) (15,369) (11,770) (15,369) 2,244,209 1,794,058 1,460,981 1,149,752 3740(2006: 4560) 2100(2006: 2850)

2007 67 2007 12 31 4. 2007 2006 3,494.2 3,289.4 2,378.5 2,009.3 5,872.7 5,298.7 (79.6) (73.2) () 5,793.1 5,225.5 3,075.5 2,272.0 8,868.6 7,497.5 (4,874.9) (4,969.5) 31.5 29.6 (4,843.4) (4,939.9) 23 (2,543.5) (805.5) (491.0) (430.4) 36 (43.1) (34.4) (5.9) (1) (218.6) (195.9) (8,139.6) (6,412.0) 729.0 1,085.5 65.3 8.1 (285.1) (717.4) 509.2 376.2 (1) 390(2006: 310) 5. () 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 891,546 648,809 434,917 335,776 (83,510) (51,457) (7,304) (7,691) () 808,036 597,352 427,613 328,085 : 136,391 72,215 1,763 1,091 56,406 48,182 42,083 35,871 85,894 71,771 (263) (531) 22,536 23,633 18,295 21,106 41,372 30,890 38,308 26,684 123,902 80,779 87,239 50,810 44,017 32,966 32,191 23,849 115,064 92,332 73,698 60,421 163,281 128,604 132,732 106,522 19,173 15,980 1,567 2,262 808,036 597,352 427,613 328,085

68 2007 2007 12 31 6. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 563,110 378,132 31,686 8,578 6,536 835 6,386 794 48,869 128,076 17,120 40,232 55,405 128,911 618,302 427,736 7. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 (1) 186,003 143,689 151,026 114,746 (2) (96,384) (237,076) (93,453) (237,075) 89,415 218,450 86,485 218,450 (6,969) (18,626) (6,968) (18,625) (3) (63,028) (661) (83,416) (4,416) 57,652 20,034 50,623 13,186 173,658 144,436 111,265 104,891 202,151 322,689 99,394 226,040 984 887 / (6,136) 4,680 38,098 (220) 2,150 (216) 1,582 97,407 276,423 1,928 1,486 36,903 34,181 8,059 11,231 464 368 18,682 19,766 20,831 13,880 (1) (2) (3) 536,640 805,724 238,346 387,232

2007 69 2007 12 31 8. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 8.1 846,136 642,092 412,628 306,287 9,516 9,371 7,044 6,351 68,040 53,461 29,889 22,964 923,692 704,924 449,561 335,602 : (1) 7,560 6,169 5,923 5,353 8,717 6,698 (2) 3,395 2,204 2,199 1,343 2,646 1,618 22,318 16,689 8,122 6,696 946,010 721,613 457,683 342,298 8.2 : (3) (4) 104,095 103,593 51,145 54,821 65,532 61,450 25,796 25,166 30,433 24,292 35,456 31,110 9,521 14,284 8,839 14,284 91,535 73,752 52,929 42,157 301,116 277,371 174,165 167,538 1,120 1,035 823 738 565 565 398 398 1,435 1,431 39 136 3,120 3,031 1,260 1,272 407 157 407 94 787 130 30 93 1,194 287 437 187 130,170 121,326 37,663 32,919 (5) 390,551 295,923 229,914 169,575 733,644 609,531 535,946 459,898 8.3 1,679,654 1,331,144 993,629 802,196 : (1) 4 (2) 50(2006: 30) (3) 1440(2006: 1630) 390(2006: 340) 60(2006: 40) 20(2006: 20) (4) 1220(2006: 1470) 720(2006: 760) (5) 2007200620

70 2007 2007 12 31 9. /() 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 ()/ 29 (107,763) 21,214 (78,191) (16,587) 3,632 2,529 47 1,389 CDO 230,888 226,249 33 (90,593) (21,317) (147,777) (11,728) /() 36,164 2,426 328 (26,926) ( CDO )CDO 10. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 458,248 377,133 261,021 219,637 /() 21 14,899 1,979 8,438 (4,651) 473,147 379,112 269,459 214,986 / (117,043) (9,294) (115,806) (11,724) 356,104 369,818 153,653 203,262 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 2,518,407 2,462,239 1,774,567 1,539,204 18%(2006 20%) 453,313 492,448 319,422 307,841 (3,194) (4,262) 84,559 49,535 14,021 6,676 725 406 725 391 (14,466) (82,662) (39,791) (54,283) (21,627) (41,532) (25,730) (41,532) (38,397) (37,813) 8,350 8,746 (8,816) (14,719) (1,730) (710) 12,700 4,703 6,804 (3,397) 473,147 379,112 269,459 214,986

2007 71 2007 12 31 11. 2007 2006 $ 000 2,070,754 2,002,192 (39,125) (39,125) 2,031,629 1,963,067 ( 000) 3,081,324 3,096,408 16,794 12,160 3,098,118 3,108,568 ( ) 66 63 66 63 () 12. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 2,070,754 2,002,192 1,620,914 1,335,942 1 1 4,120,811 2,814,386 1,680,138 1,131,294 6,191,565 4,816,578 3,301,052 2,467,236 : : 20051220% (298,172) (298,172) 200611 (339,735) (339,735) 200612 (369,746) (369,746) 2007 14 (431,824) (431,824) : E 4.5%(2006: ) (22,500) (22,500) (22,500) (22,500) G 4.2% (2006: ) (16,625) (16,625) (16,625) (16,625) 13.1(a) (43,266) (43,266) /(): 14 53,229 24,102 15 351,595 (68,479) 339,626 (66,800) 16.1 68,908 (435,871) (695,767) (501,069) (787,098) 12 31 16 5,755,694 4,120,811 2,799,983 1,680,138 2007 12 3114 4 3210 2008

72 2007 2007 12 31 13. 13.1 ( ) ( ) 2003 1 29$100E4.5% ( ) 6 2012 20 5 10 2003 7 142003 8 6$1G4.2% ( )6 2012 20 510 12 2007 2006 2007 2006 ( 000) ( 000) $ 000 $ 000 1 1 3,126,460 3,114,338 4,941,417 1,557,169 13.1(a) (7,008) (2,577) 13.1(b) 11,334 44,491 13.1(c) 1,728 7,854 13.1(d) 53 48 502 324 13.1(e) 6,020 40,635 14(a) 3,227,243 14(b) 66,278 12 31 3,126,513 3,126,460 4,941,919 4,941,417 1 1 (51,669) (356,305) 13.1(f) (4,986) (59,265) (43,491) (392,374) 13.1(b) 14,451 5,338 97,233 35,164 13.1(b) 500 3,383 13.1(c) 1,412 2,258 9,641 14,899 (28,070) (13,994) 12 31 (40,292) (51,669) (317,609) (356,305) E 1 1 5,000 5,000 500,000 50 14(a) 499,950 12 31 5,000 5,000 500,000 500,000 G 1 1 395,831 395,831 395,831 3,958 14(a) 391,873 12 31 395,831 395,831 395,831 395,831 12 31 5,520,141 5,480,943 2007 12 31 420(2006: 420)2,500(2006: 2,500)E

2007 73 2007 12 31 13. ( ) 13.1 ( ) (a) 20066,407,103$6.75 4330(12) 7,007,747 (b) 15,368,896 14,951,4262006 11,333,946 5,337,628 (c) 1,411,6072006 1,728,000 2006 6 30 2,258,382 (d) 52,800(2006: 48,000) 50(2006: 30) (e) 2006Great Eastern Holdings Limited 2,570,0000.54%6,019,9684060 (f) 4,985,870(2006: 59,264,806)$8.72(2006: $6.62) 4350(2006: 3 9240) (g) 2006 1 302005() 2006 1 30 13.2 (a) (b) (c)

74 2007 2007 12 31 13. ( ) 13.2 ( ) 2007 2006 1 1 53,868,989 $5.231 66,100,780 $4.968 5,510,350 $8.510 5,846,476 $6.762 13.1(b) (11,333,946) $4.736 13.1(b) (14,451,345) $5.054 (5,337,628) $4.621 13.1(b) (917,551) $4.206 / (598,219) $6.670 (1,406,693) $5.540 12 31 43,412,224 $5.708 53,868,989 $5.231 12 31 31,550,155 $5.107 39,126,902 $4.931 $8.904 $6.840 2007 12 31 2007 ($) 1998R 25.05.1999 22.01.2001 21.01.2008 2.675 296,328 296,328 1999R 25.05.1999 10.12.2001 09.12.2008 3.139 1,456,142 1,456,142 2000 06.03.2000 06.12.2002 05.12.2009 4.542 2,682,795 2,682,795 2001 05.03.2001 05.12.2003 04.12.2010 5.367 4,318,486 4,318,486 2002 08.04.2002 09.04.2003 08.04.2012 5.742 6,501,303 6,501,303 2002A 22.04.2002 23.04.2003 22.04.2012 5.692 720,000 720,000 2002B 23.10.2002 24.10.2003 23.10.2012 4.367 180,000 180,000 2003 27.03.2003 28.03.2004 26.03.2013 4.067 5,301,677 5,301,677 2004 15.03.2004 16.03.2005 14.03.2014 5.142 4,716,205 4,716,205 2004A 19.08.2004 20.08.2005 18.08.2014 5.492 160,800 160,800 2004B 22.11.2004 23.11.2005 21.11.2014 5.667 103,200 103,200 2005 14.03.2005 15.03.2006 13.03.2015 5.767 4,714,251 2,776,695 2005A 08.04.2005 09.04.2006 07.04.2015 5.784 1,924,596 939,684 2006 14.03.2006 15.03.2007 13.03.2016 6.820 3,773,621 1,107,958 2006A 23.01.2006 24.01.2007 22.01.2016 6.780 12,400 4,092 2006B 23.05.2006 24.05.2007 22.05.2016 6.580 1,198,670 284,790 2007 14.03.2007 15.03.2008 13.03.2017 8.590 3,666,750 2007A 15.01.2007 16.01.2008 14.01.2017 7.600 445,000 2007B 14.03.2007 15.03.2008 13.03.2017 8.590 1,040,000 2007NED 14.03.2007 15.03.2008 13.03.2012 8.590 200,000 43,412,224 31,550,155 2007 12 31 5.7 (2006: 6.0 ) 4,503,400(2006: 4,552,400) 5,510,350 (2006: 5,846,476)751,000 (2006: 795,600) 940(2006: 640)

2007 75 2007 12 31 13. ( ) 13.2 ( ) 2007 2006 ($) 7.60 8.59 6.58 6.82 ($) 7.75 9.00 6.25 6.74 250(%) 17.15 20.21 16.04 17.25 SGS(%) 2.73 3.11 3.85 3.94 (%) 2.56 2.97 2.85 3.07 ( ) 1.57 1.57 ( ) 5 and 10 10 13.3 1,438,600 (2006: 1,444,490)80,287(2006: 119,907)1240(2006: 980) 868,964 (2006: 886,918)93,866 (2006: 68,462)2007 12 31336,743 (2006: 340,905) 13.4 ESP21ESP ESP 2006 6 ESP 590 $6.4017.22% 3.0% 2 3.49% Bloomberg 250 ESP 2007 2006 1 1 7,640,257 $6.450 4,072,657 $5.050 8,222,248 $6.450 13.1(c) (1,728,000) $5.050 13.1(c) (1,411,607) $6.450 (2,258,382) $5.050 (744,659) $6.450 (668,266) $6.269 12 31 5,483,991 $6.450 7,640,257 $6.450 $8.963 $6.526 2007 12 31, 11,162 (2006: 11,162 )

76 2007 2007 12 31 14. 2007 2006 $ 000 $ 000 (a) 1 1 4,109,099 9,095 872 13.1 (3,227,243) E 13.1 (499,950) G 13.1 (391,873) 12 31 (b) 1 1 63,701 13.1(a) 2,577 13.1 (66,278) 12 31 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 (c) 1 1 103,262 119,200 83,162 72,519 10,915 10,643 10,915 10,643 DSP (10,540) (7,616) DSP 5,554 5,137 12 (53,229) (24,102) 12 31 55,962 103,262 94,077 83,162 (d) 12 31 55,962 103,262 94,077 83,162 15. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 1 1 2,027,811 1,959,332 1,698,130 1,631,330 ()/ 12 (351,595) 68,479 (339,626) 66,800 12 31 1,676,216 2,027,811 1,358,504 1,698,130 ( 19 ) 22(1)2007 3 31 ( )()2007 ( 19 ) 22(1)2007 3 30 20%

2007 77 2007 12 31 16. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 12 5,755,694 4,120,811 2,799,983 1,680,138 1,320,155 1,320,155 976,000 976,000 (376,542) (316,422) (66,226) (94,298) 6,699,307 5,124,544 3,709,757 2,561,840 16.1 1 1 1,320,155 1,389,063 976,000 976,000 12 (68,908) 12 31 1,320,155 1,320,155 976,000 976,000 16.2 1 1 (316,422) (295,896) (94,298) (73,934) (94,531) (20,526) 16,457 (20,364) 34,411 11,615 12 31 (376,542) (316,422) (66,226) (94,298) ( ) 17. 2007 2006 $ 000 $ 000 587,334 512,593 OCBC Capital Corporation (a) 400,000 400,000 OCBC Bank (Malaysia) Berhad (b) 173,888 174,038 1,161,222 1,086,631 (a) OCBC Capital Corporation( OCC ) 2005 2 2 4 3.93%( OCC-A ) 100(22.1) OCC-ATier-1 OCC 2015 3 20( OCC) 2015 3 203.93% 1.85% (b) OCBC Bank (Malaysia) Berhad( OBMB ) 2005 8 12 4 100 OBMB Tier-1 OBMB 10 OBMB3 209 20 10 4.51% ( KLIBOR ) 1.9%

78 2007 2007 12 31 18. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 12,538,308 10,034,856 9,759,688 8,085,901 12,999,311 11,214,703 11,291,823 9,792,956 54,993,992 46,374,949 44,724,063 37,850,153 3,770,988 3,822,247 3,505,284 3,214,376 1,015,258 1,655,132 905,252 205,493 3,470,537 2,013,094 229,006 214,297 88,788,394 75,114,981 70,415,116 59,363,176 14,726,082 11,869,252 13,023,929 11,233,918 103,514,476 86,984,233 83,439,045 70,597,094 18.1 52,873,226 46,018,074 52,689,903 45,936,329 11,472,660 8,352,471 10,359,859 7,700,609 13,632,898 11,956,743 2,903,460 2,956,749 846,667 884,490 835,834 862,164 1,243,826 634,416 1,243,742 634,416 1,298,226 1,273,763 1,282,650 1,265,280 2,591,494 1,682,189 2,502,868 1,633,604 757,884 655,218 736,698 639,623 1,168,053 700,868 763,562 691,151 88,788,394 75,114,981 70,415,116 59,363,176 18.2 3,645,225 2,503,955 3,645,225 2,503,955 7,608,540 6,347,522 6,682,017 6,128,352 408,221 264,739 41,607 149,522 170 28,074 170 28,074 1,038,959 778,726 1,038,959 778,726 174,903 481,605 174,693 481,605 362,011 251,079 361,179 249,209 843,720 816,120 843,720 816,120 602,726 247,910 277,966 247,877 14,726,082 11,869,252 13,023,929 11,233,918

2007 79 2007 12 31 19. ( ) ( ) 2007 2006 ($ 000) FED 34,330,587 245,798 267,185 4,862,473 28,791 29,531 69,512,048 1,091,064 1,051,689 43,788,583 842,666 814,613 OTC 6,214,438 83,752 1,933 5,572,300 19,926 6,588 OTC 4,645,703 1,933 51,225 5,294,058 12,044 10,143 55 13 55 13 114,702,886 1,422,560 1,372,045 59,517,414 903,427 860,875 IRD 3,500,000 1,074 1,310 6,575,000 534 539 209,638,207 1,403,750 1,197,833 170,524,268 1,463,274 1,219,397 OTC 5,034,437 24,499 7 2,179,437 10,651 1,923 OTC 2,287,761 7 9,519 1,754,078 1,201 7,967 2,173,864 1,208 298 260,482 13 471 590,617 1,198 625 154,112 617 628 223,224,886 1,431,736 1,209,592 181,447,377 1,476,290 1,230,925 5,489 292 86,505 2,769 2,769 OTC 357,177 47,283 281,192 12,840 331 OTC 332,698 62,828 30,978 504 2,889 4,160 6 61 11,003 89 50 797,032 50,439 65,708 312,170 13,344 3,220 275,262 319 17,331 293,455 3,426 830 10,263 214 2,138 8 4,556 23 2,431 7 OTC 12,297 695 OTC 12,308 728 885,962 31,119 31,119 892,134 17,939 17,939 925,386 32,028 31,870 896,703 17,947 17,946 339,925,452 2,937,082 2,696,546 242,467,119 2,414,434 2,113,796 : FED 2,462,989 266,471 518,770 3,515,575 247,683 492,195 IRD 5,156,237 172,012 28,087 5,167,356 164,251 15,407 FED 2,892,430 20,317 7,288 10,511,656 458,800 554,145 8,682,931 411,934 507,602

80 2007 2007 12 31 19. ( ) 2007 2006 ($ 000) FED 29,663,538 220,914 239,986 3,720,308 23,094 22,050 65,970,598 1,056,739 1,014,341 42,516,657 827,814 798,082 OTC 5,385,253 79,868 1,604 2,769,789 16,747 2,675 OTC 4,075,097 1,604 47,017 2,515,529 7,010 7,028 105,094,486 1,359,125 1,302,948 51,522,283 874,665 829,835 IRD 3,500,000 1,074 1,310 6,575,000 534 539 200,402,230 1,364,831 1,172,321 163,884,676 1,433,628 1,189,172 OTC 4,349,764 20,104 1,896,620 10,176 OTC 2,021,469 8,616 1,628,352 7,977 2,169,546 1,196 298 260,482 13 471 581,992 1,198 625 154,112 617 628 213,025,001 1,388,403 1,183,170 174,399,242 1,444,968 1,198,787 5,489 292 86,505 2,769 2,769 OTC 284,215 34,914 266,170 12,607 330 OTC 271,469 51,561 28,514 233 3,157 4,160 6 61 11,003 89 50 662,841 38,070 54,441 294,684 12,840 3,487 275,262 319 17,331 293,455 3,426 830 9,657 209 678 4 3,950 18 971 3 OTC 5,847 694 OTC 5,858 728 885,962 31,119 31,119 892,134 17,939 17,939 911,274 32,022 31,865 893,783 17,943 17,942 319,968,864 2,817,939 2,589,755 227,403,447 2,353,842 2,050,881 : FED 2,668,538 266,471 519,874 3,515,575 247,683 492,195 IRD 5,027,630 171,984 25,245 5,167,356 164,251 15,407 FED 451,842 4,001 8,148,010 442,456 545,119 8,682,931 411,934 507,602

2007 81 2007 12 31 20. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 313,548 297,616 177,297 179,692 622,388 625,027 508,850 528,679 1,951,756 1,253,466 211,315 210,788 425,478 401,401 167,243 200,590 3,313,170 2,577,510 1,064,705 1,119,749 2007 12 31 1610(2006: 1290) 21. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 1 1 942,878 364,626 134,921 146,267 FRS 40 6,179 949,057 364,626 134,921 146,267 (477) 1,410 44 48 /() 18,093 1,979 12,700 (4,651) (3,194) (4,262) /() 10 14,899 1,979 8,438 (4,651) ()/ (5,167) 5,731 (5,167) 4,754 (4,060) 8,519 (7,095) (11,497) (13,598) (8,677) (17,658) 8,519 (15,772) (11,497) 53,802 71,808 122,788 612,189 5,200 (128,584) (1) 176,590 560,613 12 31 1,117,244 942,878 122,464 134,921 : (1) 20062007 2007 12 31 7 3500 2006 12 316 1220 1 2860 : 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 1,162,693 991,066 123,130 136,887 (45,449) (48,188) (666) (1,966) 1,117,244 942,878 122,464 134,921

82 2007 2007 12 31 21. ( ) 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 (): 43,710 35,690 15,746 13,891 348,618 269,803 77,958 94,740 77,281 77,040 71,957 69,924 734,977 612,189 9,587 44,923 360 6 1,214,173 1,039,645 166,021 178,561 (88,686) (81,707) (40,467) (39,222) (973) (1,383) (639) (481) (7,270) (13,677) (2,451) (3,937) (96,929) (96,767) (43,557) (43,640) 1,117,244 942,878 122,464 134,921 /(): 4,273 907 1,855 (781) (2,148) 1,671 3,922 5,993 6,994 (985) 1,022 241 (1,496) 2,034 (1,270) 2,254 842 1,686 (497) 4,286 (6,939) (74) (3,125) 14,899 1,979 8,438 (4,651) 2007 12 31 2250(2006: 4050) 140(2006: 200) 22. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 ( ) 22.1 4,365,919 4,012,479 4,428,363 4,240,902 ( ) 22.2 766,376 766,376 ( ) 22.3 574,910 321,170 574,910 321,170 ( ) 22.4 28,748 30,648 28,748 30,648 4,969,577 5,130,673 5,032,021 5,359,096 22.1 ( ) : 4 7.25% 874,598 853,226 874,598 853,226 9 7500 5% 1,002,903 987,037 1,002,903 987,037 12 5000 7.75% 1,925,764 2,000,639 1,925,764 2,000,639 Tier-2 2011 (a) 3,803,265 3,840,902 3,803,265 3,840,902 Tier-2 2 2500 3.78% 2017 (b) 225,098 225,098 Tier-1 4 3.93%2055 (c) 400,000 400,000 4,028,363 3,840,902 4,428,363 4,240,902

2007 83 2007 12 31 22. ( ) 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 22.1 ( ) ( ) OCBC Bank (Malaysia) Berhad: 2 (d) 86,944 87,019 Tier-2 4 (e) 173,920 260,864 87,019 P.T. Bank NISP Tbk: A 4550 69,506 76,905 B 500 7,186 7,653 I (f) 76,692 84,558 4,365,919 4,012,479 4,428,363 4,240,902 (a) Tier-220112001 7 62011 9 6 Tier-2 (b) 20172012Tier-22007 11 282017 11 28 3.78% 2012 11 28 ( ) 3 1.72% (c) 2005 2 2 Tier-1OCBC Capital Corporation2055 3 20 2015 3 203.93% 1.85% (d) OCBC Bank (Malaysia) Berhad ( OBMB ) 2006 11 24 Mudharabah () 10 5.40%11 100 15102021 11 2411 5OBMBBank Negara Malaysia ( BNM ) (e) 2007 11 302017 11 30 4.55%OBMB 100% BNM OBMB5 2017 11 30OBMB (f) 2003 3 102013 3 12PT Bank NISP 2008 3 1210 A BA 5 17.125%26% B 5 10.25%5 11.25%

84 2007 2007 12 31 22. ( ) 22.2 ( ) 2004 6 18 2007 6 18LIBOR0.10% 22.3 ( ) 200420 ( ECP ) ECP2007 12 312007 6 28 (2006: 2006 10 18 ) 2007 12 28 (2006: 2006 12 29 ) 2008 1 2 (2006: 2007 1 9 ) 2008 2 28 (2006: 2007 3 19 )2.25% 9.20%(2006: 4.12% 5.29%) 22.4 ( ) 2007 2006 $ 000 $ 000 28,748 30,648 1000 2004 10 192005 4 112014 10 192015 4 112005 10 19 2005 10 11200457.5% 512.5% 2005 53LIBOR2.5% 53LIBOR4.0%30 10 23. 2007 2006 1 1 34,995.2 33,286.2 FRS 40 147.7 35,142.9 33,286.2 (83.0) (123.9) 640.3 898.4 2,543.5 805.5 () 124.1 4.9 12 31 38,243.7 34,995.2 1,645.2 1,474.4 1,342.9 1,321.4 41,231.8 37,791.0 1,998.6 2,673.5 3,325.9 2,974.8 33,709.2 30,714.9 1,178.3 640.2 (1) 924.7 609.2 (1) 41,136.7 37,612.6

2007 85 2007 12 31 23. ( ) 2007 2006 : 2.8 1.9 87.1 302.4 () 6,939.0 5,504.4 149.9 59.4 22.4 12.2 61.5 64.6 24. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 497,080 412,611 359,796 324,518 2,422,801 1,817,686 1,707,389 1,175,739 5,476,517 3,511,046 3,425,940 1,707,326 8,396,398 5,741,343 5,493,125 3,207,583 22 7270(2006: 18 1440) 15 6400(2006: 11 7410 ) 25. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 3,264,361 2,161,935 3,264,361 2,161,935 6,016,988 6,476,777 5,463,482 5,975,319 9,281,349 8,638,712 8,727,843 8,137,254 44 (519,178) (491,756) (519,178) (491,756) 8,762,171 8,146,956 8,208,665 7,645,498 1,115,928 171,986 383,379 90,370 2,337,069 2,802,236 195,737 199,116 3,452,997 2,974,222 579,116 289,486 44 (7,251) (779,224) (7,251) (3,784) 3,445,746 2,194,998 571,865 285,702 9,281,349 8,638,712 8,727,843 8,137,254 2,096,412 1,777,919 1,007,464 1,065,307 250,394 178,553 313,779 64,243 312,212 64,243 35,342 66,753 16,510 46,690 12,734,346 11,612,934 9,306,959 8,426,740

86 2007 2007 12 31 26. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 : () 68,966 68,966 () 1,907,118 1,935,705 1,635,419 1,472,329 () 222,398 222,398 2,129,516 2,004,671 1,857,817 1,541,295 : 11,696,611 15,478,502 10,829,803 14,316,151 1,290,500 532,574 885,301 531,222 49,515 49,515 12,987,111 16,060,591 11,715,104 14,896,888 15,116,627 18,065,262 13,572,921 16,438,183 44 (362,225) (577,583) (362,225) (28,231) 350,707 262,410 15,105,109 17,750,089 13,210,696 16,409,952 403,998 580,633 328,591 260,250 6,966,504 12,063,983 5,934,551 11,436,798 310,043 579,153 65 189 1,225 13,633 15 17 145,693 317,674 110,118 259,810 278,971 190,130 278,762 190,017 2,915,013 1,584,079 2,914,714 1,583,687 2,042,605 890,192 2,034,951 882,994 453,250 1,479,587 434,738 1,462,648 1,599,325 366,198 1,536,416 361,773 15,116,627 18,065,262 13,572,921 16,438,183 27. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 72,774,864 61,132,358 55,544,593 47,790,875 29 (498,918) (862,259) (264,204) (505,023) 30 (959,946) (961,099) (789,983) (807,136) 71,316,000 59,309,000 54,490,406 46,478,716 : 1,176,680 738,012 455,190 320,821 70,139,320 58,570,988 54,035,216 46,157,895 71,316,000 59,309,000 54,490,406 46,478,716

2007 87 2007 12 31 27. ( ) 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 27.1 42,616,719 37,113,901 41,728,171 36,382,225 9,416,538 7,989,924 7,335,929 6,922,179 10,868,691 9,043,539 72 87 2,401,928 2,322,941 847,967 441,278 802,834 350,896 1,838,140 1,040,798 1,826,804 1,040,460 852,916 906,949 851,702 906,534 1,872,154 1,169,923 1,870,267 1,148,656 540,391 282,783 512,371 257,740 1,519,420 820,322 616,443 782,098 72,774,864 61,132,358 55,544,593 47,790,875 27.2 3,773,234 4,034,251 1,960,485 2,187,381 11,932,681 9,697,261 8,449,382 7,426,158 27,671,742 20,120,883 21,601,871 16,139,836 21,019,337 19,931,267 17,514,007 16,702,220 3,512,982 3,523,825 2,526,914 2,733,814 4,864,888 3,824,871 3,491,934 2,601,466 72,774,864 61,132,358 55,544,593 47,790,875 27.3 7,518,671 7,312,876 7,395,784 7,240,539 1,148,349 884,471 49,425 26,316 185,960 256,751 31,337 8,009 92,833 100,066 479 100,066 208,115 789 208,115 789 15,291 71,529 15,291 71,529 9,169,219 8,626,482 7,700,431 7,447,248 40,547,397 34,959,191 39,731,727 34,214,422 11,512,555 9,651,184 1,330,602 890,901 3,542,281 2,866,286 373,534 209,089 3,685,633 2,064,338 2,090,520 2,064,338 2,558,229 1,296,665 2,558,229 1,296,665 1,759,550 1,668,212 1,759,550 1,668,212 63,605,645 52,505,876 47,844,162 40,343,627 72,774,864 61,132,358 55,544,593 47,790,875

88 2007 2007 12 31 27. ( ) 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 27.4 1,116,239 985,851 214,016 279,034 6,277,880 5,042,794 2,262,535 2,492,860 13,652,614 9,332,117 11,106,762 7,637,868 19,247,165 18,148,552 15,678,412 14,822,563 6,942,776 5,811,574 5,080,803 4,447,794 3,921,919 2,537,180 3,470,143 2,195,264 10,609,594 8,416,371 10,146,287 7,800,276 7,385,310 7,330,336 5,964,694 6,195,951 3,621,367 3,527,583 1,620,941 1,919,265 72,774,864 61,132,358 55,544,593 47,790,875 27.5 45,310,606 39,490,672 44,442,452 38,759,198 12,101,623 10,416,738 829,445 902,345 4,446,496 3,737,191 1,106,925 815,807 5,133,159 3,102,768 3,438,576 3,036,257 3,072,651 1,866,086 3,050,609 1,789,694 2,710,329 2,518,903 2,676,586 2,487,574 72,774,864 61,132,358 55,544,593 47,790,875 28. ( NPLS ) 612 2007 2006 2007 2006 586 854 232 437 350 558 262 445 302 392 153 238 1,238 1,804 647 1,120 6 # # 100 25 100 25 10 116 25 100 25 1,354 1,829 747 1,145 52 81 40 51 393 536 295 394 166 225 30 77 611 842 365 522 # 50

2007 89 2007 12 31 28. ( NPLS ) ( ) 2007 2006 2007 2006 28.1 180 696 1,043 324 617 90180 190 215 125 162 30 90 137 164 71 106 30 191 76 98 74 140 331 129 186 1,354 1,829 747 1,145 28.2 744 963 380 597 3 7 2 6 23 39 7 16 6 3 4 2 48 36 28 18 229 331 226 331 301 450 100 175 1,354 1,829 747 1,145 28.3 12 14 1 1 275 365 105 179 187 251 92 134 301 380 194 291 146 304 54 166 23 21 14 15 179 178 152 128 170 253 110 195 61 63 25 36 1,354 1,829 747 1,145 28.4 ( ) 2007 185 336 71 592 185 114 151 450 142 98 72 312 512 548 294 1,354 (201) (230) (180) (611) 311 318 114 743 2006 381 401 72 854 337 143 103 583 232 108 52 392 950 652 227 1,829 (393) (307) (142) (842) 557 345 85 987 ( NPLs )

90 2007 2007 12 31 28. ( NPLS ) ( ) 28.5 / 13.7%(2006: 20.2%) 13.1%(2006: 20.0%) 2007 2006 95 5 216 40 59 69 120 125 32 14 33 33 186 88 369 198 55 5 129 14 40 50 96 103 3 1 4 2 98 56 229 119 29. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 1 1 862,259 1,097,404 505,023 726,487 (10,520) (21,515) (4,475) (11,312) (200,819) (186,690) (127,994) (162,386) (55,057) (45,698) (43,401) (32,892) ()/ (52,706) 66,912 (34,790) 16,305 ()/ 9 (107,763) 21,214 (78,191) (16,587) (36,526) (45,110) (20,698) (28,135) 1,167 1,167 /(): (7,713) (4,488) (6,063) (4,488) 30 342 342 33 (15) (15) (50) (50) (3,398) 12 31 27 498,918 862,259 264,204 505,023 30. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 1 1 961,099 962,122 807,136 808,614 (1,153) (681) (430) (1,136) (16,723) 29 (342) (342) 12 31 27 959,946 961,099 789,983 807,136

2007 91 2007 12 31 31. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 663,553 258,511 648,848 244,034 532,670 167,286 241,290 46,531 231,257 38,370 1,437,513 472,328 880,105 282,404 5,936,281 3,962,882 4,919,451 3,252,238 3,056,470 1,477,191 2,177,755 1,076,995 2,770,556 1,260,308 560,033 549,581 162,891 227,367 26,805 31,761 11,926,198 6,927,748 7,684,044 4,910,575 286,789 224,721 258,861 204,928 (25,588) (18,540) (22,614) (17,635) 261,201 206,181 236,247 187,293 10,475,763 6,090,591 8,004,915 4,778,195 33 (25,588) (18,540) (22,614) (17,635) 10,450,175 6,072,051 7,982,301 4,760,560 3,174,737 1,534,206 818,095 619,712 13,624,912 7,606,257 8,800,396 5,380,272 44 (48,016) 13,624,912 7,558,241 8,800,396 5,380,272 (AAA BBB) 6,018,370 3,391,388 4,244,234 2,471,812 (BB C) 748,172 571,700 677,078 563,235 3,683,633 2,108,963 3,060,989 1,725,513 10,450,175 6,072,051 7,982,301 4,760,560 10,290,536 5,826,067 7,826,928 4,517,981 155,327 235,670 155,327 235,670 3,333 329 329 22,660 24,215 22,660 24,215 3,907 4,310 33 (25,588) (18,540) (22,614) (17,635) 10,450,175 6,072,051 7,982,301 4,760,560

92 2007 2007 12 31 31. ( ) 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 183,407 104,287 40,264 32,998 1,224,089 1,143,402 730,393 812,829 1,502,022 1,014,093 968,110 649,114 282,651 278,270 166,543 224,024 949,579 600,649 756,135 500,090 7,209,320 3,400,371 5,156,258 2,626,590 2,273,844 1,065,185 982,693 534,627 13,624,912 7,606,257 8,800,396 5,380,272 995,003 308,141 890,526 220,632 3,426,985 1,296,007 2,984,297 918,471 9,004,891 5,816,897 4,905,836 4,215,446 198,033 185,212 19,737 25,723 13,624,912 7,606,257 8,800,396 5,380,272 4,214,487 3,055,335 2,601,311 2,068,258 1,556,542 863,570 334,698 260,942 200,912 166,982 156,719 118,869 1,655,758 543,408 431,412 371,249 1,683,239 905,937 1,523,302 794,832 4,313,974 2,071,025 3,752,954 1,766,122 13,624,912 7,606,257 8,800,396 5,380,272 77%(2006: 80%) 91%(2006: 88%)2(2006: 3) 19 32. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 1,082,265 1,040,681 946,791 926,861 () 1,344,128 1,103,240 42,777 20,997 163,261 137,504 104,465 95,712 392,202 242,792 218,587 157,564 2,981,856 2,524,217 1,312,620 1,201,134 2007 12 31 6560(2006: 5430)

2007 93 2007 12 31 33. ($ 000) 2007 1 1 18,540 155,690 25,523 199,753 FRS 40 (103,614) 103,614 66,334 66,334 18,540 118,410 103,614 25,523 266,087 (1,602) (69) 313 (1,100) (2,458) (2,910) (5,763) (2,622) (11,295) ()/ 9 9,312 (16,675) (86,445) 3,215 (90,593) (662) (662) /(): (475) (475) (11,193) (11,193) (6,254) 6,254 12 31 25,588 81,309 17,498 25,016 149,411 ( 31) ( 36) ( 37) 2006 1 1 50,240 176,392 22,036 248,668 FRS 40 (106,669) 106,669 66,562 66,562 50,240 136,285 106,669 22,036 315,230 (1,776) (231) 11 (273) (2,269) (21,458) (59) (400) (2,446) (24,363) ()/ 9 (8,069) (18,620) 99 5,273 (21,317) (48) (48) (397) (397) /(): 29 15 15 (1,682) (1,682) 1,083 (1,083) 918 918 12 31 18,540 118,410 103,614 25,523 266,087 ( 31) ( 36) ( 37) ($ 000) 2007 1 1 149,832 17,635 130,935 35,939 334,341 FRS 40 (95,984) 95,984 149,832 17,635 34,951 95,984 35,939 334,341 (1,366) 277 (1,089) (2,754) (744) (3,498) ()/ 9 (17,969) 6,616 (15,423) (85,926) (35,075) (147,777) (271) (271) 12 31 129,109 22,614 19,528 10,335 120 181,706

94 2007 2007 12 31 33. ( ) ($ 000) 2006 1 1 158,431 28,087 137,976 39,759 364,253 FRS 40 (100,035) 100,035 158,431 28,087 37,941 100,035 39,759 364,253 (1,526) 54 (13) (1,485) (14,989) 118 (58) (245) (1,143) (16,317) ()/ 9 6,390 (8,647) (1,458) (5,334) (2,679) (11,728) (397) (397) /(): 29 15 15 (1,474) 1,474 12 31 149,832 17,635 34,951 95,984 35,939 334,341 ( 34 35) ( 31) ( 36) ( 37) 34. 2007 2006 2007 2006 $ 000 $ 000 $ 000 $ 000 87,384 87,484 85,556 85,556 108,654 150,933 14,561 17,561 33 (3,701) (6,524) 196,038 238,417 96,416 96,593 31,512 53,129 ( ) 15,866 17,668 243,416 309,214 96,416 96,593 98,699 119,438 72,197 96,106 34.1 $ 000 2007 2006 12 31 : 1,891,590 1,831,066 271,837 244,650 14,195 50,471 : 337,606 311,787 112,456 128,790

2007 95 2007 12 31 34. ( ) 34.1 ( ) : 2007 2006 British and Malayan Trustees Limited (1) 43 43 PacificMas Berhad (1) 28 28 Fairfield Investment Fund Ltd (2)(3) 30 40 Fairfield Lion Investment Fund (Asia) Ltd (4) 37 59 Network For Electronic Transfers (Singapore) Pte Ltd (2) 33 33 : (1) Ernst & Young (2) PricewaterhouseCoopers (3) The Great Eastern Life Assurance Company Limited (4) KPMGThe Great Eastern Life Assurance Company LimitedFairfield Lion Investment Fund (Asia) Ltd 2006 34.2 Great Eastern Life Assurance (China) Company Limited( GEL China )50%GEL China : 2007 2006 10.9 18.7 22.6 9.1 (6.6) (0.7) (1.8) (0.2) 4.4 0.9 (6.4) (3.0) 35. 2007 2006 $ 000 $ 000 2,187,919 2,187,919 1,703,235 1,561,556 33 (125,408) (143,308) 3,765,746 3,606,167 2,261,965 1,433,175 482,700 82,687 2,744,665 1,515,862 6,510,411 5,122,029 2007 12 31 Great Eastern Holdings Limited66 2050(2006: 67 80)

96 2007 2007 12 31 35. ( ) 35.1 : 2007 2006 Bank of Singapore Limited 100 100 OCBC Bank (Malaysia) Berhad 100 100 OCBC Bank (China) Limited (1) 100 P.T. Bank NISP Tbk (2) 72 72 P.T. Bank OCBC Indonesia (2) 100 100 Great Eastern Life Assurance (Malaysia) Berhad (3) 87 87 Overseas Assurance Corporation (Malaysia) Berhad (3) 87 87 The Great Eastern Life Assurance Company Limited (3) 87 87 The Overseas Assurance Corporation Limited (3) 87 87 Lion Capital Management Limited (3) 91 91 Great Eastern Holdings Limited (3) 87 87 OCBC Securities Private Limited 100 100 : KPMG Singapore (1) 2007 8 1 (2) PricewaterhouseCoopers (3) Ernst & Young 35.2 OCBC Overseas Investments Pte. Ltd.P.T. Bank NISP Tbk 800 639,064,478 875020( 38) NISP72.35%72.40% 36. 2007 2006 ($ 000) 1 1 1,565,946 381,094 248,757 2,195,797 1,637,018 390,288 233,188 2,260,494 FRS 40 (37) (899,961) (899,961) (988,492) (988,492) (1) 746,785 261,117 73,405 1,081,307 740,036 224,469 38,572 1,003,077 1,412,770 642,211 322,162 2,377,143 1,388,562 614,757 271,760 2,275,079 (7,779) (3,710) (3,299) (14,788) (5,481) (2,270) (1,076) (8,827) 26,435 139,411 61,261 227,107 52,167 121,266 74,679 248,112 (704) (100,062) (21,979) (122,745) (28,479) (91,542) (23,201) (143,222) /(): (37) 22,247 (29,760) (7,513) 9,146 9,146 (25,953) (25,953) (3,145) (3,145) 12 31 1,427,016 677,850 328,385 2,433,251 1,412,770 642,211 322,162 2,377,143