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									                The Singapore Commercial Banking
                  Competitive Intelligence Report
            “How Consolidation In A Post-Recession World Will Redefine Company Strategy”

                             A New Report from Business Monitor international (BMi)




As banks in Singapore and elsewhere in Asia recover from the
global recession, recapitalisation and balance sheet consolidation
are becoming growing priorities. Competition between local
players and fast-learning multinationals will only intensify                           the Singapore
as mergers and acquisitions activity and product range                                 commercial banking
diversification accelerates with companies seeking to remain                           competitive intelligence report
profitable and manage new risks.                                                       publiShed by buSineSS monitor international


Responding to our clients’ requests, BMI’s commercial banking
analysts have just produced The Singapore Commercial Banking
Competitive Intelligence Report, analysing and comparing the
strategies adopted by the major players as they seek to exploit
opportunities and mitigate risks in a rapidly changing environment.
Whether you are active in the commercial banking industry, an
investor, or a supplier to the industry, you will benefit from the
following key features of this report:

9 Company Profiles on Singapore’s 9 leading commercial banks,
   containing Company overview, latest Company Developments, local/
   regional/Global operations, sWot analysis, Company strategy, Financial
   Performance and Key Ratios. Each profile provides hard-to-get competitive
   intelligence with which to benchmark the growth and risk management
   strategies of your competitors, peers, partners and clients.
                                                                                       www.businessmonitor.com
   List of companies profiled:

   •	   Bangkok Bank                 •	   Islamic Bank of Asia
   •	   Bank of China                •	   Maybank
   •	   Citibank Singapore           •	   Oversea-Chinese Banking Corporation
   •	   DBS Bank                     •	   United Overseas Bank
   •	   Hong Leong Bank

9 BMI’s Investment Risk-Reward Rating ranks singapore’s attractiveness to industry investors relative to its regional peer group
   (Bangladesh, China, Hong Kong, india, indonesia, Japan, Malaysia, Pakistan, the Philippines, sri lanka, south Korea, taiwan, thailand,
   Vietnam).

9 BMI’s Business Development Directory gives you access to senior decision-makers and purchases at leading commercial banks and
   associated industry sub-sectors operating in the Singaporean market - providing a powerful business development and networking tool to
   source new clients, partners and suppliers.


   The Singapore Commercial Banking Competitive Intelligence Report is available to industry professionals, strategists,
   trade bodies, government and regulatory agencies and international investors on preferential terms for a limited period only
   - Saving you 15% on your report order (see back page special Discount order Form).

BMI’s clients, who include over 400 of the Global Fortune 500 companies rely on our competitive
intelligence analysis and data to benchmark competitors and peers at leading multinational and local
companies operating across Asian commercial banking markets.
CLIENT LIST
• ABN AMRO Bank                  • Citibank N.A.           • Deutsche Bank         • KPMG
• Accenture                        Hanoi Branch            • Ernst & Young         • Standard Chartered Bank
• Bharat Book Bureau             • Deloitte & Touche       • HSBC
RepORT CONTeNTS
                                                                                                          COMpANy pROfILES
  SeCTION 1 – COMPeTITIve LanDSCaPe anaLySIS                                                              ExTRACTS:

1. Company-comparative analysis of the leading commercial banks - both domestic and
    international - in Singapore, including a discussion of the key industry regulators and               DBS Bank
    associations, facilitating the identification of successful investment strategies and themes.



                                                                                                          “
2. Company comparisons and made within the framework of our industry growth forecasts
                                                                                                                DBS has continued to maintain
    and our broader macroeconomic growth forecasts. Company strategies are also examined in
                                                                                                          a high capitalisation level, with
    relation to key operational, macroeconomic and political risks.
                                                                                                          the total capital adequacy ratio
                                                                                                          of 16.1% in Q309 exceeding
  SeCTION 2 – COMPany PROFILeS                                                                            regulatory requirements. The firm
                                                                                                          has, however, been affected by the
Companies Profiled:                                                                                       financial problems in Dubai, with
                                                                                                          the repayment of a US$400mn loan
• Bangkok Bank                                          • Islamic Bank of Asia                            to Dubai World Finance being
                                                                                                          suspended. Overall, DBS’ Dubai
• Bank of China                                         • Maybank
                                                                                                          exposure is US$1.28bn, though
• Citibank Singapore                                    • Oversea-Chinese Banking Corporation             much of this is for Dubai-owned
• DBS Bank                                              • United Overseas Bank                            firms operating within Asia, such as
                                                                                                          Labroy and South Beach. In 2009,
• Hong Leong Bank
                                                                                                          DBS approved over 2,400 government
                                                                                                          backed loans, of which 60% where
Company Profile Contents

1. Company Overview: Date established, ownership structure, core areas of operation, market
                                                                                                          earmarked for new customers...
                                                                                                                                          ”
    share, network size.
                                                                                                          ISlamIc Bank of aSIa
2. Latest Company Developments: M&a, joint ventures, divestments/investments, regulatory
    issues, new business areas, announcements.

3. Local, Regional & Global Operations: Domestic assets, loans, deposits and main regional/
    global operations, including regional partnerships, joint ventures.                                   “     In 2009, Islamic Bank of Asia
                                                                                                          (IB Asia) launched its first US
                                                                                                          dollar liquidity product, the US
4. SWOT Analysis: analysis of company strengths, Weaknesses, opportunities and threats                    dollar Islamic placement, a short-
    allowing for an examination of factors - both internal and external - which will affect future        term deposit instrument. It is based
    company performance.                                                                                  on the shari’a principle of murabaha,
                                                                                                          a cost-plus-profit sale contract, and
5. Company Strategy: Analysis of company responses to fast-changing local market                          is aimed at Muslim and non-Muslim
    conditions, ranging from regulatory challenges to new product development and from                    customers. In 2009, after the MAS
    geographic diversification to ongoing industry consolidation.                                         launched the SGD200mn Sukuk
                                                                                                          al-Ijara Trust Certificate Issuance
6. Financial Performance: BMI’s analysis of latest-available company financials and %                     Programme, IB Asia became
    growth y-o-y, including historic 5-year financial performance; covering profits, revenue              one of the two lead arrangers
    growth, assets and basic ePs.                                                                         of the country’s first sovereign-

7. Key Ratios: examining returns on assets, returns of equity, loan to deposit ratios, loan to
    asset ratios and total risk based capital ratio.
                                                                                                          rated sukuk...
                                                                                                                        ”
                                                                                                          cItIBank SIngapore
Financial Performance Table



                                                                                                          “
 hSbc holdings 5-year Financials (uS$bn, unless stated)
                                                                                                                Citibank Singapore is hopeful
                                         2005            2006         2007         2008        2009       for FY10, forecasting that there will
                                                                                                          be a return to growth in Singapore
 Profit Before Tax                       21.0            22.1         24.2           9.3            7.1
                                                                                                          of 2.4%. While this will not bring
 Growth (% chg y-o-y)                                      5.2          9.5        -61.6       -23.7      the economy back to pre-crisis
                                                                                                          GDP, expansion of the Singaporean
 Assets                               1,502.0          1,861.0      2,354.0      2,527.0     2,364.0
                                                                                                          economy will allow Citibank to
 Growth (% chg y-o-y)                                    23.9         26.5           7.3        -6.5      increase domestic lending and,
 Basic Earnings Per Share (US$)          1.18            1.22         1.44         0.41         0.34      globally, to maintain a preference
                                                                                                          for trading in international equities.
 Growth (% chg y-o-y)                                      3.4        18.0         -71.5       -17.1      Citibank’s preference for US equities
 Revenue Growth (%)                      12.2            13.4         20.8           3.4       -19.0      is expected to be reflected in their
                                                                                                          financial results given the recovery of

                                                                                                                                           ”
 Market Capitalisation                  182.0           212.0        198.0        114.0       199.0
                                                                                                          US markets since March 2009...
 Source: HSBC Holdings Annual Review. As Reported.
    SeCTION 3 – MaRkeT aTTRaCTIveneSS FOR InveSTORS
                                                                                                                     RISk-REwARD
Market Overview                                                                                                      RATINg ExTRACT:
analysis of banking sector maturity, total industry growth rates and ratios, the regulatory
environment and key players.                                                                                        “     Despite strong net income
                                                                                                                    numbers, profitability will be
                                                                                                                    squeezed for Singaporean banks over
SWOT Analysis                                                                                                       the coming quarters. Local banks
strengths, Weaknesses, opportunities and threats analysis covering government policy, foreign                       will likely need to continue overseas
investment environment, financial infrastructure, growth and demand trends, domestic ability to                     expansion to fuel long-term growth
save, the public/private sector breakdown and the competitive landscape.                                            as the domestic market becomes more
                                                                                                                    saturated. Singapore’s three locally
BMI’s Investment                       asia commercial banking risk/reward ratings                                  listed banks - DBS Bank, United
                                                                                                                    Overseas Bank (UOB) and Oversea-
Risk-Reward Rating                                     Industry    Country   Industry Country                       Chinese Banking Corporation
                                                                                                   Rating
BMI’s Investment Risk-Reward                          Rewards     Rewards       Risks   Risks
                                                                                                                    (OCBC) - reported generally robust
rating allows investors to             Bangladesh         43.3        45.0      30.0     42.0        42.0           earnings in Q210 as the economy
weigh up the attractiveness                                                                                         came through a V-shaped recovery

                                                                                                                                                     ”
                                       China              93.3        55.0      56.7     76.0        75.1
of singapore as a banking                                                                                           over the last few quarters...
                                       Hong Kong          73.3        90.0      70.0     84.0        79.5
investment opportunity, relative
                                       India              83.3        55.0      53.3     56.0        66.9
to its regional peer group:
Bangladesh, China, Hong                Indonesia          73.3        62.5      76.7     42.0        65.1

Kong, India, Indonesia,                Japan              30.0        75.0      63.3     80.0        55.6
Japan, Malaysia, pakistan, the         Malaysia           70.0        80.0      76.7     80.0        75.4
philippines, Sri Lanka, South          Pakistan           33.3        47.5      56.7     40.0        41.3
Korea, Taiwan, Thailand,               Philippines        50.0        60.0      56.7     50.0        53.6
Vietnam. Commercial                    Singapore          66.7        90.0      96.7     88.0        80.6
Banking industry and Country
                                       Sri Lanka          20.0        55.0      36.7     44.0        36.1
reward and risk scores (out of
                                       South Korea        76.7        85.0      76.7     68.0        77.4
a total of 100) are weighted and
combined to illustrate potential       Taiwan             70.0        70.0      83.3     74.0        72.3

investor returns, as compared to       Thailand           56.7        65.0      80.0     68.0        63.8
other regional markets and to the      Vietnam            63.3        52.5     100.0     78.0        87.6
regional average.                      Source: BMI




    SeCTIOn 4 – BuSIneSS DeveLOPMenT DIReCTORy

The Singapore Commercial Banking                                             Sample Directory Listing
Business Development Directory
                                                                             ANZ Bank Singapore
Primary research, conducted in Q3 2010, brings together latest-              1 Raffles Place
available, accurate data on top decision-makers at Singapore’s               #32-00, OUB Centre                                             NEWLY
leading supplier companies, including ownership structure,                   Singapore 048616                                            RESEARCHED
company size and sales volume, expansion strategy, key partners              Singapore                                                    IN Q3 2010
and main products and services.                                              Tel: xxxxxxxxxx
                                                                             Fax: xxxxxxxxxx
Providing direct access to top industry decision-makers and                  E-mail: xxxxxxxxxx
                                                                             Website: www.anz.com
purchasers, the directory represents a powerful tool to source new
                                                                             KEY PERSONNEL
clients, partners and suppliers, and benchmark competitors.                  CEO: xxxxxxxxxx
                                                                             Managing Director: xxxxxxxxxx
                                                                             Head of Personal & Private Banking: xxxxxxxxxx
Core Company Dataset                                                         Senior Dealer: xxxxxxxxxx
                                                                             Head of Human Resources: xxxxxxxxxx

•   Company name, web and postal address                                     LOCAL STATISTICS
                                                                             Regional Head Office: xxxxxxxxxx
•   email, telephone and fax numbers                                         Company locally established: xxxxxxxxxx
•   Year of local registration                                               BUSINESS ACTIVITY
                                                                             ANZ is a publicly listed company and was incorporated in July 1977 in Australia.
•   employee size and sales volume (estimates)                               It is the main holding and operating company for the Group and is one of the 10
                                                                             largest and most successful companies in Australia and the number one bank in New
•   Main business activities, products and services
                                                                             Zealand. ANZ Bank Singapore is the regional headquarters for personal and private
•   Industry classifications                                                 banking operations in the Asia countries. ANZ Investment Bank (ANZIB), covers Asia
                                                                             from its Corporate Finance, Structured Finance and Capital Markets hub in Singapore.
•   nationality
                                                                             INDUSTRY CLASSIFICATION
•   Global and regional HQs                                                  Banking/Finance
                                                                             NATIONALITY / TRADE AFFILIATION
                                                                             Australia
                                                                             SUBSIDIARY OF
                                                                             Australia and New Zealand Banking Group Ltd, Australia
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