Company Profile For Oversea-Chinese Banking Corporation Limited

Oversea-Chinese Banking Corporation Limited is a Singapore-based bank. It operates in four segments: Global Consumer Financial Services, which comprises a range of products and services offered to individuals, including deposit products (checking accounts, savings and fixed deposits), consumer loans (housing and other personal loans), credit cards and wealth management products (unit trusts and bancassurance products); Global Corporate Banking, which provides financial services to business customers; Global Treasury, which engages in foreign exchange activities, money market operations and derivatives trading, and Insurance, which includes its fund management activities. As of April 8, 2008, the Company, through its subsidiary, OCBC Capital (Malaysia) Sdn Bhd, had acquired a 67.07% interest in PacificMas Berhad. In August 2008, the Company disposed its entire 25 % interest in Central China International Leasing Co Ltd (CCIL). In March 2009, it dissolved OCBC Properties Private Limited.

BRIEF: For the nine months ended 30 September 2009, Overseas-Chinese Banking Corp. Limited's interest income decreased 19% to SP$3.20B. Net interest income after loan loss provision decreased 1% to SP$1.79B. Net income applicable to common increased 1% to SP$1.46B. Net interest income reflects a decrease in loans & advances to non-bank customers. Net income was offset by an increase in other operating expenses.