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02
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28.03.2004 26.03.2013
16.03.2005 14.03.2014
20.08.2005 18.08.2014
23.11.2005 21.11.2014
15.03.2006 13.03.2015
09.04.2006 07.04.2015
15.03.2007 13.03.2016
24.05.2007 22.05.2016
15.03.2008 13.03.2017
16.01.2008 14.01.2017
15.03.2008 13.03.2017
15.03.2009 13.03.2018
15.03.2009 13.03.2013
17.03.2010 15.03.2019
17.03.2010 15.03.2014
16.03.2011 14.03.2020
16.03.2011 14.03.2015
15.03.2012 13.03.2021
15.03.2012 13.03.2016
15.03.2013 13.03.2022
15.03.2013 13.03.2017
15.03.2014 13.03.2023
15.03.2014 13.03.2018
($)
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2,969,506
4,961,861
(698,912)
4,262,949
2,767,566
201,940
2,969,506
3,992,811
270,138
4,262,949
78.0
77.9
113.1
112.9
3,000,532
(289,366)
2,711,166
3,002,563
(306,543)
2,696,020
11
41
2013
20131231
()/
()/
-
-
(1)
(1)
42
20
2013
$000
2012
$000
2013
$000
2012
$000
2,969,506
4,262,949
2,711,166
2,696,020
(336,665)
1,011,932
(121,676)
565,563
(131,465)
3,527
52,002
(39)
(342,983)
3,522
(752,101)
2,217,405
(1,350,925)
18,197
71,808
(8,241)
(288,083)
(174)
(545,486)
3,717,463
(71,854)
(265)
9,946
(27,062)
(210,911)
2,500,255
(810,843)
(287)
56,542
(32,159)
(221,184)
2,474,836
2,068,855
148,550
2,217,405
3,488,284
229,179
3,717,463
20131231
13
14
15
16
17
17
18
19
20
21
22
23
24
24
25
2629
30
45
46
18
31
20
33
34
35
36
37
22
2013
$000
2012
$000
2013
$000
2012
$000
9,448,282
418,368
493,473
14,755,420
25,115,543
2,963,937
28,079,480
9,953,321
375,520
895,345
14,580,211
25,804,397
2,896,604
28,701,001
9,448,282
94,040
137,520
9,645,619
19,325,461
19,325,461
9,953,321
95,985
321,369
9,213,566
19,584,241
19,584,241
195,973,762
21,548,850
167,662
897,874
5,508,684
4,250,580
1,025,000
1,111,986
26,701,876
257,186,274
53,182,631
310,368,905
165,139,476
25,655,587
161,362
1,083,334
5,000,572
4,323,093
897,296
1,170,303
11,424,427
214,855,450
52,387,007
267,242,457
142,854,677
20,260,227
6,956,568
154,553
897,874
4,495,148
1,415,854
367,225
59,510
26,914,088
204,375,724
204,375,724
115,325,281
21,538,856
8,257,934
148,642
1,083,334
4,619,730
1,542,720
366,712
65,179
11,918,895
164,867,283
164,867,283
338,448,385
295,943,458
223,701,185
184,451,524
19,340,810
11,718,724
8,892,113
39,572,500
167,854,086
19,602,314
2,109,722
1,707
5,194,163
3,900,403
106,794
379,768
1,898,096
731,350
3,740,978
285,043,528
53,404,857
338,448,385
16,396,833
13,141,224
9,156,753
29,810,928
142,376,478
14,931,990
2,056,155
5,256
5,154,754
3,844,627
43,438
354,892
1,702,585
878,240
3,817,902
243,672,055
52,271,403
295,943,458
12,712,980
10,771,479
4,543,308
30,820,827
125,080,132
12,891,217
1,919,834
477
4,195,425
1,311,211
41,707
170,154
16,295,363
517,810
562,085
1,867,176
223,701,185
223,701,185
9,381,653
11,961,420
6,098,387
21,017,680
104,156,600
9,348,412
1,946,335
4,693,349
1,147,341
26,257
191,250
11,576,708
473,930
565,026
1,867,176
184,451,524
184,451,524
43
2013
20131231
$000
201311
()/
-
-
DSP
DSP
DSP
/
20131231
:
9,953,321
375,520
(327,510)
(126,168)
3,425
49,356
(975)
(401,872)
(401,872)
15,334
(499,950)
(150,382)
850
129,109
(505,039)
27,809
13,389
(3,473)
40,077
(34,954)
42,848
9,448,282
418,368
2,767,566
(215)
(300,671)
4,047
(296,839)
2,470,727
44
2,767,566
2,896,604 28,701,001
201,940
2,969,506
(327,510)
(9,155)
(336,665)
(126,168)
3,425
49,356
(215)
(300,671)
3,072
(698,711)
2,068,855
(5,297)
102
2,646
176
(42,312)
450
(53,390)
148,550
(131,465)
3,527
52,002
(39)
(342,983)
3,522
(752,101)
2,217,405
(43,143)
3,530
3,530
(1,255,531) (1,255,531)
(1,000,050) (1,500,000)
13,389
(150,382)
850
(3,473)
40,077
94,155
(2,295,194) (2,757,385)
(138,409)
(138,409)
3,530
(1,255,531)
(1,500,000)
13,389
(150,382)
850
(3,473)
40,077
94,155
(138,409) (2,895,794)
(324)
(324)
57,192
56,868
(324)
(324)
57,192
56,868
493,473 14,755,420 25,115,543 2,963,937 28,079,480
4,727
92,768
1215
97,495
(5,388)
92,107
$000
201211
()/
-
-
9,022,918
279,402
3,992,811
3,992,811
270,138
4,262,949
963,847
963,847
48,085
1,011,932
(1,286,053)
18,169
68,996
5,718
(229,323)
(229,323)
DSP
DSP
DSP
/
5,003
1,000,000
(175)
(162,178)
507
87,246
930,403
86,045
10,699
(3,644)
39,292
(36,274)
96,118
20121231
9,953,321
375,520
2,819,322 25,390,021
(1,286,053)
18,169
68,996
(7,011)
(7,011)
(262,717)
(262,717)
(5,476)
242
(275,204)
(504,527)
3,717,607 3,488,284
(64,872) (1,350,925)
28
18,197
2,812
71,808
(1,230)
(8,241)
(25,366)
(288,083)
(416)
(174)
(40,959)
(545,486)
229,179 3,717,463
(91,048)
3,579
3,579
(1,175,493) (1,175,493)
1,000,000
(175)
10,699
(162,178)
507
(3,644)
39,292
50,972
(1,262,962)
(236,441)
2,669
2,669
(206,112)
(206,112)
3,579
(1,175,493)
1,000,000
(175)
10,699
(162,178)
507
(3,644)
39,292
50,972
(203,443)
(439,884)
(18,145)
(18,145)
51,546
33,401
(18,145)
(18,145)
51,546
33,401
895,345 14,580,211 25,804,397 2,896,604 28,701,001
5,702
45,297
50,999
(4,822)
46,177
1215
45
2013
20131231
$000
201311
(1)
9,953,321
95,985
321,369
9,213,566
19,584,241
(183,849)
2,684,104
2,500,255
DSP
/
20131231
15,334
(499,950)
(150,382)
850
129,109
9,448,282
(15,334)
13,389
94,040
137,520
3,530
(1,255,531)
(1,000,050)
9,645,619
3,530
(1,255,531)
(1,500,000)
13,389
(150,382)
850
129,109
19,325,461
201211
9,022,918
90,289
510,394
7,721,619
17,345,220
(189,025)
2,663,861
2,474,836
321,369
3,579
(1,175,493)
9,213,566
3,579
(1,175,493)
1,000,000
(175)
10,699
(162,178)
507
87,246
19,584,241
(1)
DSP
/
20121231
(1)
5,003
1,000,000
(175)
(162,178)
507
87,246
9,953,321
(5,003)
10,699
95,985
1215
46
20131231
$000
()/
()/
2013
2012
3,567,291
4,961,861
266,058
58,099
71,105
206,542
(132,334)
(26,442)
2,731
13,604
(53,940)
271,432
59,903
(90,314)
184,197
(1,350,927)
(81,678)
10,119
(26,566)
827,265
(598,716)
4,201,263
999,920
(691,719)
4,246,228
30,840,586
(4,106,737)
568,162
(185,460)
1,078,335
(1,521,891)
(9,091,266)
(25,767,784)
149,882
(504,538)
(4,339,448)
(530,800)
(4,870,248)
10,573,665
4,002,342
(959,673)
(571,706)
(1,586,576)
34,164
(1,811,345)
(9,030,225)
611,649
(89,638)
5,418,885
(639,797)
4,779,088
()/
11,531
16,600
(11,357,318)
(335,764)
7,344,119
36,072
(4,284,760)
7,740
29,750
(11,878)
(5,694,795)
(303,234)
6,706,526
127,484
861,593
/()
/()
56,868
15,992,463
(138,409)
(1,255,531)
94,155
(1,500,000)
(720,691)
(150,382)
12,378,473
33,401
(2,572,383)
(206,112)
(1,173,089)
1,471,903
999,825
50,972
(385,356)
(162,178)
(1,943,017)
(279,488)
(197,436)
11
1231
2,943,977
16,396,833
19,340,810
3,500,228
12,896,605
16,396,833
47
2013
20131231
2014213
1.
()
65#06 - 00
049513
()
2.
2.1
()
(FRS) FRS 39
612
FRS
2.23
201311/
FRS 1 ()
FRS 19 ()
FRS 107 ()
FRS 113
2012FRSs
FRS 113FRS
FRS 113
()
()
2.2
2.2.1
50%
48
2.2.2
(SPE)
SPE (
SPE)
2.2.3
20%50%
20%
50%
2.
()
2.2
()
2.2.4
()
2.2.5
2.3
2.3.1
()
2.3.2
200511
2.4
2.5
2.5.1
2.5.2
2.5.3
2.5.4 ()
2.6
2.6.1
2.6.2
()
2.6.3
49
2013
20131231
2.
()
2.6
()
2.6.4
2.7
2.8
50
510
-
510
-
310
-
35
-
5
-
100
50 ()
2.9
100
50 ()
2.10
2.10.1
2.10.2
2.11
2.
()
2.12
2.12.1 /
2.12.2
2.12.3
(CGU)CGU
CGUCGU
CGU
2.12.4
(
)
(
)
2.13
2.14
:
(a)
(b)
(c)
2.15
2.16
( (GEH)
) ()
()
51
2013
20131231
2.
()
2.16 ()
FRS 104
105%
(GEH)
:
(a)
;
(b)
(c)
()
(
)
52
(a) (142)2004
() ()
(b)
2.
()
2.16 ()
(1)
(i)
(i)
(ii)
(ii)
()
(iii) (i)
(1)
(i) 15
(SGS) 1520
15
(LTRFDR) 20
LTRFDR
(ii) 30
3030
(i) 15
(ii) 1515
(1)
(PADs)
(i) (
)
(ii)
(PRADs)
PRADs
(1)
2.23
53
2013
20131231
2.
()
2.16 ()
()
75%
Bornhuetter-Ferguson
Bornhuetter-Ferguson
Bornhuetter-Ferguson
54
2.17
(URR)
URR1 /24th
2.18
()
2.19
2.19.1
()
2.19.2
(a)
(
)
90%10%
2.
()
2.19 ()
2.19.2 ()
(b)
(c)
2.19.3
( 2.17)
2.19.4
2.19.5
2.19.6
2.19.7
()
ESP
DSPDSP
2.19.8
()
2.20
2.21
55
2013
20131231
2.
()
2.22
2.23
2.23.1
(IBNR)
IBNR
Chain Ladder
Bornhuetter-Ferguson
56
2.23.2
CGU
CGU
CGU
CGU
2.23.3
(
) (
)
2.23.4
2.23.5
612
1%
2.23.6
FRS 39
2.23.7
3.
2013
$000
2012
$000
2013
$000
2012
$000
4,491,476
772,339
910,261
6,174,076
4,173,179
961,844
832,512
5,967,535
2,483,749
489,505
559,284
3,532,538
2,324,664
599,692
517,035
3,441,391
(1,770,360)
(177,935)
(342,949)
(2,291,244)
(1,715,251)
(188,696)
(315,844)
(2,219,791)
(604,975)
(192,715)
(338,823)
(1,136,513)
(642,750)
(211,603)
(335,823)
(1,190,176)
5,959,799
214,277
(2,272,648)
(18,596)
3,882,832
5,788,795
178,740
(2,193,167)
(26,624)
3,747,744
3,351,542
180,996
(1,117,917)
(18,596)
2,396,025
3,297,928
143,463
(1,163,552)
(26,624)
2,251,215
4.
2013
2012
()
()
5,531.6
2,193.4
7,725.0
(125.0)
7,600.0
2,394.8
9,994.8
4,960.0
1,408.2
6,368.2
(113.7)
6,254.5
4,245.6
10,500.1
( 22)
( 35)
(1)
(6,213.0)
78.4
(6,134.6)
(1,843.8)
(775.0)
(55.3)
(353.2)
(9,161.9)
(5,437.4)
61.0
(5,376.4)
(3,065.9)
(706.7)
(46.7)
(344.3)
(9,540.0)
832.9
(5.7)
(228.5)
598.7
960.1
39.8
(308.2)
691.7
(1)
57
2013
20131231
5.
()
2013
$000
2012
$000
2013
$000
2012
$000
()
1,392,798
(37,341)
1,355,457
1,255,225
(56,975)
1,198,250
762,853
(8,366)
754,487
712,540
(28,703)
683,837
68,409
65,112
99,524
17,846
92,008
284,378
78,618
212,753
412,329
24,480
1,355,457
60,031
50,938
85,826
17,651
90,988
251,159
78,411
212,615
322,022
28,609
1,198,250
289
61,991
(1,555)
10,875
67,170
241,201
58,943
150,492
157,196
7,885
754,487
385
51,997
(280)
12,815
70,241
214,929
54,059
161,219
111,207
7,265
683,837
6.
7.
2013
$000
2012
$000
2013
$000
2012
$000
6,145
68,917
75,062
4,319
83,914
88,233
1,204,975
11,531
6,066
13,314
1,235,886
429,802
7,740
4,053
27,730
469,325
2013
$000
2012
$000
2013
$000
2012
$000
357,300
258,186
142,611
105,172
69,872
(69,746)
126
(41,112)
(51,291)
(3,167)
261,856
132,152
182
(2,731)
(1,546)
27,988
33,777
7,521
25,344
484,543
49,769
(51,762)
(1,993)
29,018
226,736
2,741
514,688
1,350,925
2
482
81,196
34,745
8,941
26,284
2,017,263
70,206
(70,006)
200
(16,246)
(79,010)
(3,167)
44,388
72,542
182
1,923
(853)
9,532
438
23,816
151,968
55,817
(57,484)
(1,667)
50,333
129,605
2,741
286,184
810,843
2
(120)
15,035
478
20,988
1,133,410
(1) (2)
(3)
(1) (4)
(1)
(3)
(4)
(2)
58
8.
2013
$000
2012
$000
2013
$000
2012
$000
1,545,566
12,754
126,525
1,684,845
1,486,003
9,612
124,488
1,620,103
614,590
7,579
49,124
671,293
609,650
6,046
49,733
665,429
3,191
17,681
7,489
1,917
30,278
1,715,123
4,532
17,411
5,535
2,039
29,517
1,649,620
3,179
4,940
8,119
679,412
4,502
3,508
8,010
673,439
206,542
84,181
73,424
166,217
530,364
184,197
86,872
69,659
149,932
490,660
108,658
34,512
66,210
68,907
278,287
95,924
35,518
63,924
57,583
252,949
2,058
1,104
1,336
4,498
1,864
1,079
1,248
4,191
1,385
270
42
1,697
1,150
280
28
1,458
1,183
420
1,603
1,807
291
2,098
522
77
599
1,178
182
1,360
61,839
470,476
532,315
75,223
472,950
548,173
175,555
275,124
450,679
183,576
273,026
456,602
1,068,780
1,045,122
731,262
712,369
8.3
2,783,903
2,694,742
1,410,674
1,385,808
8.1
8.2
: (1)
(1)
59
2013
20131231
9.
2013
$000
( 28)
( 29)
/()
()/ ( 32)
10.
81,378
183,314
3,681
(2,315)
266,058
2012
$000
115,222
147,598
5,353
3,259
271,432
2013
$000
61,674
96,967
(265)
(275)
158,101
2012
$000
92,745
87,778
(287)
605
180,841
2013
$000
( 20)
636,781
(15,599)
621,182
(23,397)
597,785
2012
$000
756,608
(18,756)
737,852
(38,940)
698,912
2013
$000
307,754
(3,445)
304,309
(14,943)
289,366
2012
$000
344,788
(12,221)
332,567
(26,024)
306,543
17%
()/
()/
60
2013
$000
2012
$000
2013
$000
2012
$000
3,513,351
4,935,295
3,000,532
3,002,563
597,270
105,220
3,799
(15,487)
(65,508)
(36,850)
9,877
(1,756)
24,617
621,182
839,000
111,697
3,695
(172,480)
(60,137)
(62,305)
10,183
18,663
49,536
737,852
510,090
18,998
566
(192,709)
(57,284)
(161)
24,809
304,309
510,436
23,251
1,105
(206,758)
(54,783)
9,718
49,598
332,567
6,232
(19,613)
7,704
(2,729)
(2,055)
(5,138)
(15,599)
13,371
(26,099)
(1,571)
(2,499)
6,232
(8,190)
(18,756)
6,940
(5,948)
(2,440)
(2,436)
439
(3,445)
6,332
(13,949)
(2,230)
(2,374)
(12,221)
11.
2013
2012
$000
2,767,566
(89,169)
2,678,397
3,992,811
(108,207)
3,884,604
(000)
3,433,022
7,257
3,440,279
3,435,065
6,809
3,441,874
78.0
77.9
113.1
112.9
()
12.
11
:
:
201115
201216
201217
201317
2013
$000
2012
$000
2013
$000
2012
$000
2,767,566
14,060,759
16,828,325
3,992,811
11,354,893
15,347,704
2,711,166
8,267,103
10,978,269
2,696,020
6,741,859
9,437,879
(584,235)
(583,792)
(516,097)
(549,524)
(584,235)
(583,792)
(516,097)
(549,524)
:
B5.1% (2012: 5.1%)
E4.5% (2012: 4.5%)
G4.2% (2012: 4.2%)
M4.0% (2012: 4.0%)
(30,879)
(16,625)
(40,000)
(51,140)
(24,966)
(16,670)
(17,096)
(30,879)
(16,625)
(40,000)
(51,140)
(24,966)
(16,670)
(17,096)
()/:
( 14)
( 15.1)
(43,143)
3,833
(91,048)
4,717
3,833
4,717
(215)
(1,000,050)
(324)
(2,295,430)
(7,011)
35
(18,145)
(1,286,945)
(1,000,050)
(2,251,748)
(1,170,776)
1231 ( 15)
14,532,895
14,060,759
8,726,521
8,267,103
201312311758360
2014
61
2013
20131231
13.
13.1
11
( 14)
1231
11
(1)
(1)
DSP
1231
11:
B
E
G
M
B
E
M
1231
1231
(1)
2013
(000)
2012
(000)
2013
$000
3,441,100
77
3,441,177
3,441,044
56
3,441,100
7,267,065
1,000,050
850
15,334
8,283,299
(10,159)
(14,459)
7,896
5,180
3,174
(8,368)
10,000
5,000
395,831
1,000,000
(10,000)
(5,000)
(3,967)
(18,242)
6,248
1,716
4,086
(10,159)
10,000
5,000
395,831
1,000,000
(209,575)
(150,382)
46,737
47,418
34,954
(230,848)
2012
$000
7,261,730
(175)
507
5,003
7,267,065
(134,643)
(162,178)
35,872
15,100
36,274
(209,575)
1,000,000
500,000
395,831
1,000,000
2,895,831
(1,000,000)
(500,000)
1,395,831
1,000,000
500,000
395,831
1,895,831
1,000,000
2,895,831
9,448,282
9,953,321
() ()
6201220
12
Tier 1GMTier 1
4.5%E5.1%B20131282013729
70(2) 76G ( 12) 2006130
() E0.011002003128
62B(3)5
62
13.
()
13.1
()
2003714
200386
2012717
4.2%
SGD1
20137142013714
4.0%
SGD1
201811720227172022717
2013123120121231
13.2
2013320019,546,759 (2012: 5,019,795) 452,025
(2012: 340,924) 950 (2012: 700)
:
($)
($)
250 (%)
SGS (%)
(%)
()
()
2013
2012
10.30
10.51
13.77
0.47 1.37
3.14
1.57
5 10
8.80
8.89
20.53
0.56 1.61
3.38
1.57
5 10
:
2013
2012
11
/
1231
30,910,785
9,546,759
(7,997,051)
(380,319)
32,080,174
$7.121
$10.302
$5.971
$7.028
$8.355
32,836,463
5,019,795
(6,345,672)
(599,801)
30,910,785
$6.610
$8.798
$5.789
$7.281
$7.121
1231
18,525,927
$7.238
$10.363
23,242,461
$6.527
$9.009
13.3
20136ESP2013712015630
7,432,261 (2012: 7,788,738) (2012: )
610 (2012: 700):
($)
($)
250 (%)
2 (%)
(%)
2013
2012
9.92
10.13
13.79
0.26
2.61
8.68
8.70
20.59
0.15
2.76
63
2013
20131231
13.
()
13.3 ()
ESP:
2013
2012
11
1231
12,292,163
(5,179,058)
(1,440,583)
7,432,261
13,104,783
$8.892
$9.155
$9.171
$9.920
$9.340
10,524,336
(1,714,720)
(4,306,191)
7,788,738
12,292,163
$10.308
$9.021
$8.800
$8.863
$8.680
$8.892
$9.185
13.4
201312313,663,801 (2012: 4,508,997) DSP (41,990 (2012:
380,789) )4040 (2012: 4020)
5,079,377 (2012: 5,389,002) 460,713 (2012: 520,653) 20131231
801,899 (2012: 1,195,184)
14.
2013
$000
11
DSP
DSP
( 12)
( 13.1)
1231
2012
$000
375,520
13,389
(38,427)
40,077
43,143
(15,334)
418,368
279,402
10,699
(39,918)
39,292
91,048
(5,003)
375,520
2013
$000
95,985
13,389
(15,334)
94,040
2012
$000
90,289
10,699
(5,003)
95,985
DSP
15.
2013
$000
( 12)
1231
15.1
11
DSP
( 12)
1231
2012
$000
2013
$000
14,532,895
1,326,858
(1,104,333)
14,755,420
14,060,759
1,327,161
(807,709)
14,580,211
8,726,521
1,112,558
(193,460)
9,645,619
8,267,103
1,112,861
(166,398)
9,213,566
1,327,161
3,530
(3,833)
1,326,858
1,328,299
3,579
(4,717)
1,327,161
1,112,861
3,530
(3,833)
1,112,558
1,113,999
3,579
(4,717)
1,112,861
DSP
64
2012
$000
15.
()
15.2
2013
$000
11
1231
(807,709)
(216,252)
(80,372)
(1,104,333)
2012
$000
(539,481)
(407,162)
138,934
(807,709)
2013
$000
(166,398)
(17,195)
(9,867)
(193,460)
2012
$000
(134,239)
(40,223)
8,064
(166,398)
16.
2013
$000
2012
$000
909,745
836,766
154,192
400,000
1,500,000
2,963,937
159,838
400,000
1,500,000
2,896,604
65
2013
20131231
17.
17.1
2012
$000
2013
$000
2012
$000
59,108,932
32,208,657
75,930,889
5,633,831
20,456,523
2,634,930
195,973,762
21,548,850
217,522,612
52,904,324
30,613,913
62,437,532
4,825,419
10,764,497
3,593,791
165,139,476
25,655,587
190,795,063
38,068,903
28,870,262
53,544,758
909,034
20,447,916
1,013,804
142,854,677
20,260,227
163,114,904
34,101,143
26,657,367
41,596,059
753,796
10,670,120
1,546,796
115,325,281
21,538,856
136,864,137
92,021,744
45,846,579
22,882,193
4,986,680
1,412,668
3,363,680
6,552,644
8,518,843
1,969,835
8,418,896
195,973,762
82,095,000
31,455,033
20,739,316
5,834,913
1,427,082
3,217,545
3,372,211
8,036,384
1,332,197
7,629,795
165,139,476
89,621,993
33,946,264
1
706,624
2,679,815
5,932,383
6,259,285
1,239,923
2,468,389
142,854,677
79,849,325
19,836,978
1
690,662
2,565,920
2,762,784
6,627,545
487,202
2,504,864
115,325,281
693,444
12,119,671
298,946
123,662
36,199
1,254,216
635,866
2,705,325
857,232
2,824,289
21,548,850
932,801
12,648,972
543,598
298,421
746,817
3,463,687
532,197
3,433,504
635,068
2,420,522
25,655,587
689,527
11,536,974
36,199
1,245,283
635,742
2,703,378
845,939
2,567,185
20,260,227
891,820
11,555,256
571,851
3,456,266
428,865
3,380,545
632,505
621,748
21,538,856
17.2
66
2013
$000
18.
()
()
($000)
(FED)
OTC
OTC
(IRD)
OTC
OTC
OTC
OTC
OTC
OTC
:
FED
IRD
FED
2013
2012
53,716,800
174,290,736
14,819,210
12,207,352
255,034,098
689,544
1,672,001
218,134
10,213
2,589,892
408,911
2,140,483
10,800
235,731
2,795,925
45,763,528
164,352,547
11,141,481
10,362,940
231,620,496
270,015
1,423,511
137,726
5,597
1,836,849
335,886
1,055,415
7,555
146,075
1,544,931
235,198,507
894,344
3,551,778
75,888
151,776
1,298,693
3,870,737
245,041,723
2,340,910
3,569
1,307
59
693
2,346,538
2,463,199
43
17,073
572
227
1,281
2,482,395
292,976,242
1,644,674
7,560,785
36,655
36,655
2,142,953
4,051,058
308,449,022
3,058,479
8,967
146
57
3,067,649
3,197,069
40,225
43
687
3,238,024
520,580
913,906
742,397
19,138
39,474
21,372
2,256,867
5,209
28,253
9,012
4
424
42,902
7,737
8,811
10,854
12
208
1
27,623
183,307
796,401
714,331
82,927
23,041
45,011
1,845,018
3,204
50,178
7,412
223
117
1,867
63,001
5,837
6,921
17,435
310
6
30,509
11,020,123
9,450,569
20,470,692
39,760
147,547
187,307
148,649
35,122
183,771
9,471,841
8,825,163
18,297,004
55,594
125,315
180,909
134,974
48,668
183,642
183,440
318,046
15,521
28,866
209,304
420,173
1,175,350
512
20,691
312
2,038
3,971
27,524
14,770
373
1,747
2,080
18,970
64,536
68,000
87,141
108,135
194,653
522,465
746
3,194
1,484
922
6,346
482
2
169
1,892
921
3,466
523,978,730
5,194,163
5,508,684
560,734,005
5,154,754
5,000,572
728,073
4,744,392
4,334,806
9,807,271
915
55,293
34,695
90,903
110,040
33,880
28,660
172,580
1,819,211
4,713,400
4,305,244
10,837,855
89,673
81,714
4,170
175,557
14,816
84,507
5,892
105,215
67
2013
20131231
18.
()
($000)
(FED)
OTC
OTC
(IRD)
OTC
OTC
OTC
OTC
OTC
OTC
:
FED
IRD
FED
68
2013
2012
30,656,259
150,941,323
10,969,791
8,364,103
200,931,476
445,755
1,300,711
130,743
7,711
1,884,920
176,839
1,728,107
8,305
153,435
2,066,686
32,563,466
139,435,895
7,839,724
7,093,459
186,932,544
182,594
1,254,259
91,888
3,029
1,531,770
243,852
953,905
4,988
101,956
1,304,701
204,513,423
878,636
2,726,432
75,888
151,776
1,298,693
3,838,181
213,483,029
2,098,058
3,430
1,307
59
41
2,102,895
2,221,880
43
14,079
572
227
1,281
2,238,082
262,370,562
1,578,234
6,070,818
36,655
36,655
2,139,712
4,051,058
276,283,694
2,974,155
7,802
146
54
2,982,157
3,109,184
35,545
43
687
3,145,459
241,644
152,375
55,290
19,138
39,119
21,272
528,838
3,174
10,488
925
4
389
14,980
4,922
1,312
12
204
1
6,451
80,811
114,482
148,569
82,927
21,532
44,433
492,754
264
15,118
1,117
223
117
1,661
18,500
2,898
220
3,363
310
6,791
10,419,693
9,048,109
19,467,802
36,931
141,436
178,367
142,534
32,972
175,506
8,734,288
8,291,104
17,025,392
48,974
106,424
155,398
116,205
44,537
160,742
47,329
54,084
29,242
33,420
181,961
346,036
11
10,973
1,611
1,668
14,263
5,117
1
1,637
1,668
8,423
34,845
41,958
121,841
107,573
175,523
481,740
749
2,838
1,663
274
5,524
102
4
169
1,490
272
2,037
434,757,181
4,195,425
4,495,148
481,216,124
4,693,349
4,619,730
728,073
4,168,816
263,059
5,159,948
915
54,243
1,002
56,160
110,040
27,924
947
138,911
1,819,211
4,120,886
560,081
6,500,178
89,673
78,808
52
168,533
14,816
76,853
796
92,465
18.
()
2013
$000
2012
$000
2013
$000
2012
$000
3,383,878
939,931
650,422
132,848
87,084
5,194,163
3,163,444
1,265,592
602,709
52,256
70,753
5,154,754
2,830,004
697,664
571,507
26,842
69,408
4,195,425
2,936,461
1,185,303
493,476
8,096
70,013
4,693,349
1,604,087
318,164
111,089
783,236
406,186
1,971,401
5,194,163
2,176,972
182,101
24,605
371,671
250,271
2,149,134
5,154,754
1,635,711
12,373
13,357
441,990
268,988
1,823,006
4,195,425
2,163,142
35,558
6,243
208,962
215,965
2,063,479
4,693,349
2013
$000
2012
$000
2013
$000
2012
$000
328,460
519,269
2,422,958
979,893
4,250,580
525,451
501,265
2,261,839
1,034,538
4,323,093
234,550
274,875
450,478
455,951
1,415,854
382,817
291,829
420,182
447,892
1,542,720
2012
$000
2013
$000
19.
20.
2013
$000
11
( 10)
1231
1,126,865
(663)
(15,599)
(15,736)
(52,002)
(37,673)
1,005,192
1,079,709
(306)
(18,756)
(11,274)
(71,808)
149,300
1,126,865
38,922
930
(3,445)
(8,658)
(9,946)
17,803
2012
$000
116,533
478
(12,221)
(9,326)
(56,542)
38,922
69
2013
20131231
20.
()
2013
$000
2012
$000
2013
$000
2012
$000
82,266
213,343
64,295
764,643
70,900
1,195,447
(83,461)
1,111,986
74,950
315,997
67,024
735,448
74,873
1,268,292
(97,989)
1,170,303
45,722
18,211
59,258
609
123,800
(64,290)
59,510
38,788
27,688
61,698
485
128,659
(63,480)
65,179
(107,958)
(8,210)
(74,087)
(190,255)
83,461
(106,794)
(93,697)
(697)
(47,033)
(141,427)
97,989
(43,438)
(85,356)
(3,562)
(17,079)
(105,997)
64,290
(41,707)
(73,497)
(16,240)
(89,737)
63,480
(26,257)
17,803
38,922
1,005,192
1,126,865
20131231
4070 (2012: 2430) 500 (2012: )
21.
() [ 21.1]
() [ 21.2]
() [ 21.3]
() [ 21.4]
70
2013
$000
2012
$000
4,411,958
4,340,107
17,089,337
860,474
26,701,876
5,126,972
3,021,787
2,832,523
443,145
11,424,427
21.
()
21.1
()
2013
$000
2012
$000
(a)
(a)
(b)
(c)
(d)
(e)
(f)
(g)
2008327
200866
2009327
20091118
20101115
2012911
200522
2008827
2018327
201866
2019327
20191118
20221115
2023311
2055320
2058920
20211124
2020114
2022815
77,096
154,192
193,656
227,951
652,895
79,919
159,838
202,504
239,141
681,402
:
104.60%
64.60%
711935.60%
54.25%
53.75%
103.15%
43.93%
155.10%
GEL
714,977
644,687
647,259
1,261,709
400,000
1,500,000
5,168,632
(1,900,000)
3,268,632
399,583
242,019
725,458
634,463
641,394
1,218,077
400,000
1,500,000
5,760,994
(1,900,000)
3,860,994
(l)
(m)
2008312
2010630
2018311
2017630
91,131
91,131
75,570
110,305
185,875
(n)
2011119
2026119
399,300
399,300
399,200
(499)
398,701
4,411,958
5,126,972
(a) 1062013327201366
(b) 20143273279275.60%2014
3277.35%
Tier 2
(c) 2014111851811184.25%2014
111852.997%
Tier 2
71
2013
20131231
21.
()
21.1 () ()
(d) 2017111551511153.75%2017
11152155158151115
1.848%
Tier 2
(e) 20183113119113.15%20183
1152.279%
Tier 2
(f) OCBC Capital Corporation4
( 16) 2015320 ()
3209203.93%20153203206
2092012201.85%
(g) OCBC Capital Corporation (2008)15
( 16) 2018920 ()
3209205.10%20189203206209
2012202.50%
(h) OCBC Malaysia20161124Mudharabah
() 5.40%524112420161124
6.40%520171124
Tier 2
(i) OCBC Malaysia2019417Tier 1 (IT1)
41710176.75%2019417
3.32%IT12039417
IT1Tier 1
(j) OCBC Malaysia201511454114
4.20%52016114OCBC
Malaysia
Tier 2
(k) OCBC Malaysia2017815215815
4.00%OCBC Malaysia
Tier 2
(l) 2013312OCBC NISP
72
21.
()
21.1 () ()
(m) 330630930123011.35%Tier 2
(n) GEL20211191197194.60%20211
1951.35%
21.2
()
:
5
102.20%
6
101.625%
1.25
5.6
23.50%
53.50%
4
(a)
2011714
2014714
(b)
2012119
2017119
(c)
201235
201535
(d)
2012313
2015313
(e)
2012523
2013523
(f) 2012813 2014125
20131216 20161216
(g) 20121218 20191218
(h)
201325
202025
(i)
2013822
2016822
:
97306.40%
52906.90%
149807.40%
90007.00%
(j)
(j)
(j)
(j)
2013219
2013219
2013219
2013418
201431
2015219
2016219
2016418
2013
$000
2012
$000
564,870
163,687
677,755
1,265,382
635,230
160,381
763,846
1,221,467
152,731
708,205
104,418
451,670
3,935,987
48,874
39,258
3,021,787
101,128
54,891
155,346
92,755
404,120
4,340,107
3,021,787
(a) 0.83%
(b) 2.20%
(c) 1.25%
(d) 1.625%
(e) 2013523
(f ) 0.60%
(g) 201325
(h) 3.50%
(i) 0.68%
(j)
73
2013
20131231
21.
()
21.3
()
(a)
(b)
2013
$000
2012
$000
16,948,995
140,342
17,089,337
2,692,969
139,554
2,832,523
(a) ECPUSCP201210020131231
2013724 (2012: 2012426) 20131223 (2012: 20121227) 201412 (2012:
201312) 2014610 (2012: 2013627) 0.13%2.64% (2012: 0.15%3.50%)
(b) 201857CP/MTN201312312013
822 (2012: 2012523) 20131230 (2012: 20121221) 201416 (2012: 201313
) 201433 (2012: 201331) 3.33%3.49% (2012: 3.33%3.65%)
21.4
()
2011121620131224
20127252013123
2013342013328
2013625
2013111920131231
201310152013125
2014620202598
20177252038123
20142282015323
2016627
2014122014326
20144232014612
2013
$000
2012
$000
612,374
164,400
40,746
10,000
23,847
9,107
860,474
287,348
114,257
41,540
443,145
20131231
44220(2012: 21130)
74
22.
2013
11
( 4)
1231
(1)
:
()
(1)
23.
2012
47,057.9
(795.2)
(529.2)
1,843.8
47,577.3
2,789.7
2,815.6
53,182.6
44,420.8
(498.4)
69.6
3,065.9
47,057.9
2,512.5
2,816.6
52,387.0
2,711.4
4,072.5
44,334.2
1,561.0
725.8
53,404.9
2,857.1
3,316.1
43,663.8
1,531.6
902.8
52,271.4
3.6
72.8
8,014.3
241.3
184.3
63.9
4.6
81.1
8,248.4
488.6
41.8
75.0
2013
$000
2012
$000
2013
$000
2012
$000
610,092
7,474,030
11,256,688
19,340,810
664,261
5,557,298
10,175,274
16,396,833
439,943
4,942,460
7,330,577
12,712,980
515,718
3,382,850
5,483,085
9,381,653
75
2013
20131231
24.
2013
$000
( 45)
( 45)
25.
2012
$000
2012
$000
1,553,350
9,856,461
539,600
11,949,411
(230,687)
11,718,724
1,387,525
11,492,379
379,817
13,259,721
(118,497)
13,141,224
1,553,350
9,448,816
11,002,166
(230,687)
10,771,479
1,387,525
10,692,392
12,079,917
(118,497)
11,961,420
1,222,524
7,688,891
8,911,415
(19,302)
8,892,113
1,785,956
7,390,484
9,176,440
(19,687)
9,156,753
1,051,512
3,511,098
4,562,610
(19,302)
4,543,308
1,740,293
4,377,781
6,118,074
(19,687)
6,098,387
11,949,411
2,791,507
1,629,965
1,128,441
2,856,996
504,506
20,860,826
13,259,721
2,238,012
1,040,060
1,418,577
3,883,811
595,980
22,436,161
11,002,166
128,471
125,312
1,008,622
2,848,745
451,460
15,564,776
12,079,917
92,561
182,635
1,418,576
3,876,061
548,241
18,197,991
2013
$000
2012
$000
2013
$000
2012
$000
509,277
8,158,678
8,667,955
207,747
10,062,287
10,270,034
509,277
7,475,044
7,984,321
207,747
9,209,132
9,416,879
23,722,854
5,859,093
1,683,522
31,265,469
17,879,608
1,873,608
484,982
20,238,198
17,771,805
5,857,816
23,629,621
11,191,660
1,873,608
13,065,268
39,933,424
(793,115)
432,191
39,572,500
30,508,232
(1,464,467)
767,163
29,810,928
31,613,942
(793,115)
30,820,827
22,482,147
(1,464,467)
21,017,680
:
()
()
:
( 45)
76
2013
$000
25.
()
2013
$000
2012
$000
2013
$000
2012
$000
714,616
24,047,733
818,515
194,054
219,008
1,076,768
455,101
1,238,813
46,822
11,121,994
39,933,424
391,763
14,891,213
1,385,740
67,971
442,471
1,271,101
1,013,516
2,134,185
1,171,912
7,738,360
30,508,232
470,549
22,502,188
41
1
122,640
1,064,895
451,911
1,200,525
34,551
5,766,641
31,613,942
317,212
12,691,586
109
1
363,518
1,268,729
1,009,478
2,004,248
1,165,627
3,661,639
22,482,147
1,539,302
2,599,140
742,431
24,574,523
2,052,475
8,425,553
39,933,424
1,305,918
2,967,583
382,339
17,666,708
4,814,495
3,371,189
30,508,232
1,371,164
1,422,157
570,400
18,754,281
1,980,558
7,515,382
31,613,942
1,234,655
669,244
315,001
12,664,937
4,736,746
2,861,564
22,482,147
2012
$000
2013
$000
26.
2013
$000
2012
$000
( 28)
( 29)
( 45)
169,619,654
(230,021)
(1,511,044)
167,878,589
(24,503)
167,854,086
144,030,440
(303,498)
(1,350,464)
142,376,478
142,376,478
126,283,828
(96,097)
(1,107,599)
125,080,132
125,080,132
105,301,591
(133,926)
(1,011,065)
104,156,600
104,156,600
19,353,551
148,525,038
167,878,589
9,874,156
132,502,322
142,376,478
17,418,292
107,661,840
125,080,132
8,337,025
95,819,575
104,156,600
73,907,342
45,702,407
20,493,525
4,724,927
1,627,561
5,797,600
3,660,574
3,487,662
1,963,576
8,254,480
169,619,654
70,141,316
31,680,402
18,403,794
4,989,282
1,919,733
5,110,505
2,300,292
3,698,219
1,133,721
4,653,176
144,030,440
72,584,860
35,233,143
141
443,624
5,059,754
2,366,782
3,315,822
1,374,421
5,905,281
126,283,828
68,376,147
23,532,756
166
599,359
4,377,786
1,461,780
3,529,736
797,400
2,626,461
105,301,591
26.1
77
2013
20131231
26.
()
26.2
26.3
26.4
2013
$000
2012
$000
2013
$000
2012
$000
8,333,991
24,671,414
63,560,241
44,435,903
2,600,986
26,017,119
169,619,654
6,945,516
21,110,339
57,140,246
40,190,539
2,794,648
15,849,152
144,030,440
1,093,682
12,933,700
52,948,584
34,945,715
2,354,502
22,007,645
126,283,828
1,175,550
10,956,105
47,075,382
31,879,500
2,036,468
12,178,586
105,301,591
6,279,020
10,068,399
24,904,541
42,075,099
27,893,390
10,989,203
22,469,723
16,208,342
8,731,937
169,619,654
4,862,736
8,196,914
22,387,826
37,809,235
17,502,298
9,105,774
22,456,318
14,272,201
7,437,138
144,030,440
4,343,331
4,433,766
20,632,234
32,478,874
22,491,430
9,351,698
16,746,331
9,012,125
6,794,039
126,283,828
3,097,650
3,337,780
17,841,981
29,337,663
13,011,458
7,529,643
17,517,562
8,075,516
5,552,338
105,301,591
5,329,171
2,058,338
1,516,844
3,750,800
62,060
608
12,717,821
6,129,952
1,926,261
1,733,716
1,460,677
56,858
573
11,308,037
5,232,923
3,717,858
62,060
608
9,013,449
6,030,387
1,460,671
56,858
573
7,548,489
111,292,961
23,460,481
5,173,244
9,843,513
4,257,989
2,873,645
156,901,833
91,078,172
21,416,456
4,980,906
9,130,289
4,360,967
1,755,613
132,722,403
100,725,683
3,497,644
5,917,287
4,256,121
2,873,644
117,270,379
81,835,401
3,898,853
5,904,265
4,358,970
1,755,613
97,753,102
169,619,654
144,030,440
126,283,828
105,301,591
83,920,117
25,256,630
11,890,203
27,182,689
8,357,507
13,012,508
169,619,654
75,215,488
23,157,061
10,678,702
17,378,849
8,253,418
9,346,922
144,030,440
80,888,795
3,437,746
4,720,439
22,234,486
7,639,030
7,363,332
126,283,828
72,887,754
3,417,694
5,553,187
13,369,404
5,486,114
4,587,438
105,301,591
26.5
78
27.
(NPLS)
612
2013
787
57
844
308
3
1
312
144
1
3
148
1,239
4
61
1,304
(228)
(3)
(3)
(234)
1,011
1
58
1,070
2012
698
19
717
298
3
1
302
149
1
3
153
1,145
4
23
1,172
(300)
(3)
(2)
(305)
845
1
21
867
2013
469
30
499
124
124
67
67
660
30
690
(96)
(96)
564
30
594
2012
461
1
462
158
#
158
49
#
49
668
#
1
669
(134)
(#)
(134)
534
1
535
(1)
# 50
27.1
180
90180
3090
30
27.2
(1)
2013
2012
2013
2012
284
155
193
11
661
1,304
328
81
160
10
593
1,172
106
59
80
8
437
690
50
40
116
7
456
669
582
9
1
3
147
170
392
1,304
563
3
#
4
104
147
351
1,172
282
1
#
3
92
159
153
690
317
1
#
3
67
147
134
669
# 50
79
2013
20131231
27.
(NPLS) ()
27.3
(1)
2012
2013
2012
10
465
164
217
126
100
49
91
82
1,304
6
383
204
192
105
77
92
87
26
1,172
#
192
108
115
58
69
41
44
63
690
#
215
151
79
29
63
85
43
4
669
# 50
27.4
(1)
2013
2013
2012
77
79
67
223
(50)
173
331
175
42
548
(104)
444
436
58
39
533
(80)
453
844
312
148
1,304
(234)
1,070
91
119
48
258
(105)
153
251
134
47
432
(127)
305
375
49
58
482
(73)
409
717
302
153
1,172
(305)
867
77
79
67
223
(50)
173
13
2
15
(#)
15
409
43
#
452
(46)
406
499
124
67
690
(96)
594
91
119
48
258
(105)
153
10
10
(3)
7
361
39
1
401
(26)
375
462
158
49
669
(134)
535
# 50
(NPLs)
27.5 /
8.9%
(2012: 16.7%) 15.5% (2012: 27.8%)
2013
(1)
80
# 50
2012
95
20
1
116
2
18
1
21
173
22
#
195
10
33
#
43
93
13
#
106
2
11
#
13
168
18
#
186
8
28
#
36
28.
2013
$000
11
( 9)
1231 ( 26)
2012
$000
303,498
(17,788)
(131,831)
(54,954)
136,332
81,378
(5,236)
230,021
302,383
(12,426)
(93,471)
(42,605)
157,827
115,222
(8,210)
303,498
2013
$000
133,926
(454)
(94,855)
(27,975)
89,649
61,674
(4,194)
96,097
2012
$000
106,340
(3,548)
(55,350)
(27,590)
120,335
92,745
(6,261)
133,926
/()
(1)
29.
2013
2012
2013
2012
2
67
8
29
33
6
7
60
18
230
2
87
23
36
44
26
9
57
19
303
#
34
(17)
(2)
18
(13)
1
54
6
81
#
26
1
4
9
17
(3)
56
5
115
#
45
1
#
6
1
4
37
2
96
#
57
6
#
7
20
5
36
3
134
#
31
(1)
(2)
5
(15)
1
40
3
62
(#)
24
3
#
6
17
(3)
43
3
93
# 50
2013
$000
11
( 9)
1231 ( 26)
1,350,464
(22,734)
183,314
1,511,044
2012
$000
1,219,577
(16,711)
147,598
1,350,464
2013
$000
1,011,065
(433)
96,967
1,107,599
2012
$000
929,471
(6,184)
87,778
1,011,065
81
2013
20131231
30.
( 45)
:
(AAA BBB)
(BB C)
82
2013
$000
2012
$000
2013
$000
2012
$000
1,334,564
2,009,198
213,287
11,900
45,692
3,614,641
1,119,217
804,105
156,944
9,815
22,587
2,112,668
1,159,563
1,982,692
208,400
11,900
45,692
3,408,247
887,544
632,331
155,176
9,815
22,587
1,707,453
8,071,764
5,324,044
2,638,155
136,703
224,104
326,360
16,721,130
6,505,733
3,700,210
2,138,506
161,374
192,577
19,186
12,717,586
5,754,497
3,638,758
619,583
86,433
20,555
10,791
10,130,617
4,782,004
2,178,439
555,006
21,560
20,044
9,392
7,566,445
308,658
555,240
229,083
418,198
17,048,228
2,988,145
608,056
20,644,429
(1,042,115)
19,602,314
12,684,505
2,456,824
244,165
15,385,494
(453,504)
14,931,990
12,764,593
914,416
88,938
13,767,947
(876,730)
12,891,217
8,898,516
731,742
61,838
9,692,096
(343,684)
9,348,412
9,061,775
328,409
7,658,044
17,048,228
7,276,041
235,782
5,172,682
12,684,505
7,227,947
284,247
5,252,399
12,764,593
5,875,389
200,950
2,822,177
8,898,516
17,047,466
762
17,048,228
12,671,322
12,552
631
12,684,505
12,764,593
12,764,593
8,885,964
12,552
8,898,516
30.
()
2013
$000
2012
$000
2013
$000
2012
$000
735,736
1,211,822
1,930,602
1,137,622
1,334,396
10,572,710
3,721,541
20,644,429
408,254
585,160
1,520,989
361,637
921,623
9,212,423
2,375,408
15,385,494
636,282
579,492
1,332,623
988,265
856,940
7,457,000
1,917,345
13,767,947
345,867
182,031
881,715
252,660
574,366
6,437,240
1,018,217
9,692,096
2,673,176
6,958,113
10,244,926
768,214
20,644,429
1,545,949
5,933,112
7,212,368
694,065
15,385,494
2,223,673
4,980,357
6,526,976
36,941
13,767,947
1,265,405
4,257,900
4,131,557
37,234
9,692,096
4,059,752
1,907,837
632,936
6,887,271
3,919,717
3,236,916
20,644,429
3,689,248
1,994,262
395,504
3,623,488
3,365,215
2,317,777
15,385,494
2,719,766
293,172
462,814
4,637,374
3,187,068
2,467,753
13,767,947
2,458,037
446,604
187,132
1,908,758
2,925,217
1,766,348
9,692,096
2013
$000
2012
$000
2013
$000
2012
$000
799,483
1,966,797
247,796
886,327
3,900,403
737,162
2,068,349
299,003
740,113
3,844,627
510,807
47,342
153,046
600,016
1,311,211
466,891
20,229
175,190
485,031
1,147,341
31.
()
83
2013
20131231
32.
($000)
201211
()/ ( 9)
()/
20121231/201311
( 9)
20131231
($000)
201211
( 9)
20121231/201311
()/ ( 9)
20131231
33.
7,085
(417)
(6,450)
(218)
5,287
5,287
5,287
( 33-34)
6,824
(414)
(6,450)
40
66,428
(304)
66,124
(480)
(20)
(268)
65,356
( 35)
6,456
(72)
(914)
(552)
(977)
3,941
(12)
(2)
(974)
(235)
2,718
( 36)
946
946
946
( 35)
4,717
(38)
(914)
111
(607)
3,269
(2)
(507)
(235)
2,525
( 36)
35,576
(1,846)
(18,783)
4,029
3,605
22,581
(362)
(6,497)
(1,073)
(239)
14,410
5,195
(388)
454
5,261
108
(5,216)
232
385
115,545
(2,639)
(26,147)
3,259
2,628
92,646
(854)
(6,519)
(2,315)
(474)
82,484
22,969
(840)
(7,364)
605
(607)
14,763
108
(5,218)
(275)
(235)
9,143
( 32)
()
84
2013
$000
2012
$000
287,581
287,581
92,107
80
379,768
308,677
308,677
46,177
38
354,892
2013
$000
172,353
(2,199)
170,154
170,154
2012
$000
193,449
(2,199)
191,250
191,250
33.
()
33.1
:
$000
2013
1231:
2012
1,479,979
(281,791)
1,216
1,126,771
(229,496)
1,323
475,491
182,463
387,452
140,379
/()
:
2013
2012
20
33
20
33
2013
2012
Grant Thornton
PricewaterhouseCoopers
33.2
(GEL China) 50%GEL China50%:
1231:
34.
188.3
72.4
(97.1)
(100.6)
151.1
45.3
(38.0)
(90.9)
36.7
(44.6)
39.0
(42.3)
2013
$000
2012
$000
( 32)
1,895,642
5,024,684
(3,088)
6,917,238
1,895,642
3,872,896
(3,088)
5,765,450
8,713,125
665,000
9,378,125
4,744,058
1,067,200
5,811,258
16,295,363
11,576,708
85
2013
20131231
34.
()
34.1
:
(3)
2013
2012
100
100
100
100
85
100
100
100
100
85
87
87
87
87
87
87
87
87
(2)
(2)
91
87
91
87
100
100
(2)
(3)
PricewaterhouseCoopers
Ernst & Young
34.2
OCBC Overseas Investments Pte. Ltd.PT Bank OCBC NISP Tbk (OCBC NISP)
2,487,449,9991,20032600OCBC NISP
86
35.
2013
($000)
11
/()
( 36)
1231
11
( 4)
()/
( 36)
1231
( 32)
11
/()
1231
2012
1,469,557 1,272,389
(19,566)
(23,336)
42,430
198,040
(16,774)
(22,220)
521
78,927
319,397
20,053
204,969
(14,196)
(53,190)
(6,425)
(36,684)
435,781 3,015,173
(9,675)
(44,362)
300
821
60,877
285,899
(7,012)
(50,121)
169,770
1,645,417
(12)
169,758
536,726 3,607,016
480,271
1,424,873
(338,325)
6,072
9,320
(15,491)
(802,187)
15,971
22,142
(127,628)
(19,713)
(29,047)
(18,021)
(376,158)
(920,749)
(65,525)
479
288
(64,758)
(63)
(63)
504,061
(312,996) (1,453,508)
6,403
28,446
15,197
46,659
(48,728) (191,847)
14,807
1,469,557
1,272,389
(310,696)
4,444
231
(14,112)
(692,867)
11,344
(144)
18,499
(111,968)
(55,296)
(13,636)
(27,051)
3
(18,018)
(346,657) (1,643,564)
(4,556)
(338,325)
(802,187)
(65,829)
304
(65,525)
(63)
(63)
(6,536)
(536)
1
20
(20)
(535)
189,534
(66,124)
480
20
268
(65,356)
1231
1,204,501
1,898,096
1,065,707
332,361
872,140
1,204,501
310,289
755,418
1,065,707
2,726,796
2,368,792
470,139
14,807
3,222,217
(281,312) (1,284,875)
6,696
22,484
(121)
(265)
9,103
27,833
(41,305) (167,385)
(6,057)
(46,744)
(4,556)
(312,996) (1,453,508)
(536)
(536)
166,739
(66,428)
304
(66,124)
1,702,585
87
2013
20131231
35.
()
2013
($000)
2012
11
( 36)
1231
256,190
(15)
1,368
10,437
267,980
608,142
(37)
120,119
(14,298)
713,926
137,017 1,001,349
(43)
(95)
20,484
141,971
(2,703)
(17,001)
10,437
154,755 1,136,661
245,797
(12)
10,405
256,190
506,747
(123)
107,191
(5,673)
608,142
116,142
868,686
(457)
(592)
22,804
129,995
(1,472)
(7,145)
10,405
137,017 1,001,349
11
( 36)
1231
(67,553)
9
(5,067)
(3,410)
(76,021)
(370,239)
38
12,067
(81,590)
(439,724)
(88,681)
5
1,603
(15,087)
(102,160)
(526,473)
52
13,670
(101,744)
(3,410)
(617,905)
(60,458)
6
(4,837)
(2,264)
(67,553)
(304,818)
104
5,311
(70,836)
(370,239)
(77,175)
284
1,321
(13,111)
(88,681)
(946)
(946)
( 32)
11/1231
(946)
274,202
52,595
1231
191,013
517,810
187,691
44,536
146,477
191,013
36,422
151,269
187,691
508,507
403,429
237,903
48,336
(442,451)
394
6,632
(88,784)
(2,264)
(526,473)
(946)
473,930
88
36.
2013
$000
11
:
( 35)
1231
11
:
( 35)
1231
( 32)
11
/()
1231
1231
2012
$000
2013
$000
2012
$000
1,078,920
11,657
16,367
(9,686)
1,119,631
(13,829)
17,335
(18,850)
663,770
576
16,112
(4,852)
665,780
(1,127)
16,180
(2,801)
(169,758)
(7,766)
919,734
(14,807)
(10,560)
1,078,920
(10,437)
(3,708)
661,461
(10,405)
(3,857)
663,770
(196,739)
(818)
5,989
(14,695)
(190,840)
1,400
2,516
(16,812)
(95,475)
(193)
1,159
(6,914)
(92,146)
332
427
(7,140)
18,018
2,579
(185,666)
4,556
2,441
(196,739)
3,410
1,162
(96,851)
2,264
788
(95,475)
(3,941)
12
2
974
235
(2,718)
(6,456)
72
914
552
977
(3,941)
(3,269)
2
507
235
(2,525)
(4,717)
38
914
(111)
607
(3,269)
339,302
392,048
731,350
339,193
539,047
878,240
191,720
370,365
562,085
188,021
377,005
565,026
2,847,862
2,881,727
1,579,345
1,476,676
89
2013
20131231
37.
2013
$000
11
1231
11
:
(1)
(2)
1231
:
/
(1)
(2)
2013
$000
2012
$000
1,867,176
1,867,176
1,867,176
1,867,176
2012
$000
3,175,197
(22,093)
3,153,104
3,237,995
1,009
(63,807)
3,175,197
642,705
709,399
(11,463)
(46,636)
3,268
587,874
(13,267)
(46,636)
(6,791)
642,705
3,740,978
3,817,902
1,867,176
1,867,176
3,153,104
1,068,083
(480,209)
3,740,978
3,175,197
1,063,485
(420,780)
3,817,902
1,867,176
1,867,176
1,867,176
1,867,176
10201312317 (2012: 8)
202013123111 (2012: 12)
(CGU):
CGU
(GEH)
90
2013
$000
2012
$000
844,497
570,000
524,000
1,938,497
427,460
549,786
29,437
193,039
14,885
3,153,104
844,497
570,000
524,000
1,938,497
427,460
531,113
29,437
233,377
15,313
3,175,197
37.
()
5
CGU201310.1%
11.5% (2012: 10.2%10.4%) ()
2.0%5.0% (2012: 2.0%5.0%)CGUCGU
CGU
() ()
38.
38.1
2,188
2,810
641
988
1,940
(114)
1,826
434
(6)
428
808
(47)
(1)
760
(180)
(59)
(239)
3,837
(58)
(266)
3,513
336
207
20131231
20131231
()
835
(11)
(86)
738
(6)
6,621
25
37
9
12
3
2
70
3
229
153
72,625
118,020
78,812
61,823
17,620
348,900
199
(10,651)
338,448
77,297
101,319
52,351
54,112
33,804
318,883
2,137
(10,651)
310,369
62,196
292
105,455
1,002
1,252
49
4
668
6
169,620
1,304
91
2013
20131231
38.
()
38.1
()
1,949
2,655
845
1,537
975
7,961
1,811
(68)
1,743
621
(2)
619
1,346
(47)
(#)
1,299
791
(106)
685
5,266
(60)
(271)
4,935
303
184
20121231
20121231
()
(1)
697
(13)
(95)
589
26
34
4
10
#
2
52
3
221
135
66,779
92,223
67,871
60,617
19,030
306,520
90
(10,667)
295,943
73,837
84,507
48,148
53,226
16,124
275,842
2,067
(10,667)
267,242
55,384
267
86,133
887
1,495
398
3
620
15
144,030
1,172
# 50
(
) () ()
(
) () ()
92
38.
()
38.1 ()
(
)
:
(a)
(b)
(c)
38.2
2013
2012
(1)
4,079
1,401
503
385
155
98
6,621
2,091
916
182
208
87
83
3,567
230
50
21
33
2
#
336
210,541
60,773
10,219
33,022
10,138
13,755
338,448
199,797
50,827
8,358
22,255
8,362
20,770
310,369
5,472
1,307
466
487
150
79
7,961
3,521
815
159
320
94
53
4,962
212
66
15
9
1
#
303
181,385
58,030
10,162
28,083
10,426
7,857
295,943
169,409
49,047
8,558
21,473
8,520
10,235
267,242
# 50
10%
93
2013
20131231
39.
39.1
39.2
(1)
2013
2012
2013
2012
167,854
39,573
20,611
16,006
#
2,110
5,194
2,766
254,114
142,376
29,811
22,298
12,231
#
2,056
5,155
2,806
216,733
155,224
33,737
21,506
14,942
#
2,113
4,989
3,002
235,513
136,117
32,577
21,458
11,393
#
1,879
5,622
2,738
211,784
12,197
76,199
88,396
9,100
66,294
75,394
10,290
72,390
82,680
9,178
65,124
74,302
342,510
292,127
318,193
286,086
# 50
:
;
;
;
;
;
2013123177% (2012: 75%)
94
39.
()
39.2 ()
612FRS 107
(1)
2013
2012
39,933
#
#
39,933
39,933
30,508
30,508
30,508
2013
168,297
625
433
1,058
265
169,620
(230)
(1,511)
167,879
2012
142,763
487
431
918
349
144,030
(303)
(1,351)
142,376
# 50
2013
2012
2013
2012
39,933
39,933
30,508
30,508
167,938
359
168,297
142,526
237
142,763
2013
2012
2013
2012
#
#
19
221
45
159
53
59
458
44
1,058
28
159
56
84
34
82
438
37
918
#
#
173
591
294
1,058
128
501
289
918
()
(1)
# 50
95
2013
20131231
39.
()
39.2 ()
2013
2012
30
3090
90
186
326
113
625
144
303
40
487
2013
2012
170
506
6
682
176
574
15
765
27 28 29
(2012: )
96
39.
()
39.2 ()
1%:
20131231
()
25,281
5,651
2,142
3,479
3,064
2,032
1,900
20
333
196
45
497
3,995
7,805
6,785
5,124
4,990
1,486
1,116
926
29,296
13,456
9,260
8,799
4,990
4,595
3,645
2,826
10.3
4.7
3.2
3.1
1.8
1.6
1.3
1.0
20121231
()
11,448
5,535
3,127
1,436
3,289
963
1,942
163
15
229
70
477
2,469
4,632
4,698
5,279
5,130
1,276
1,343
715
14,080
10,167
7,840
6,944
5,130
4,635
2,783
2,657
5.8
4.2
3.2
2.8
2.1
1.9
1.1
1.1
(1)
(1)
39.3
(VaR)
:
;
;
97
2013
20131231
39.
()
39.3 ()
1
1
13
312
13
2013
(1)
(2)
(3)
8,219
5,465
25,145
381
567
39,777
883
7,275
38,819
3,312
4
50,293
795
13,603
80,881
7,634
8
102,921
2,277
12,402
18,400
9,378
160
42,617
262
3,236
7,356
467
11,321
672
2,059
9,364
45
12,140
(3)
35,371
6,278
15
2,489
44,153
37,599
6,701
9
3,643
47,952
60,488
5,405
25
56
8,300
74,274
31,531
1,040
49
75
6,084
38,779
3,728
99
282
13
2,397
6,519
1,101
521
3,772
5,394
(4,376)
240
(4,136)
2,341
666
3,007
28,647
(1,106)
27,541
3,838
(1,221)
2,617
4,802
2,281
7,083
6,746
(860)
5,886
2012
(1)
(2)
(3)
4,296
7,754
27,109
533
1
39,693
3,014
4,690
29,862
2,715
3
40,284
1,869
8,117
63,623
6,031
17
79,657
1,730
9,286
15,333
6,956
205
33,510
50
3,756
7,916
423
12,145
683
#
3,113
10,537
45
14,378
(3)
41,325
12,831
15
832
55,003
25,185
6,442
7
618
32,252
48,850
3,826
62
2,970
55,708
22,569
282
306
65
687
23,909
1,199
56
150
12
2,674
4,091
894
596
3,602
5,092
(15,310)
294
(15,016)
23,949
(2,308)
21,641
9,601
1,013
10,614
8,054
1,921
9,975
9,286
(886)
8,400
(1)
(2)
(3)
(4)
8,032
(34)
7,998
6,495
19,341
926
39,933
(661) 167,879
4,080
41,505
7,844
9,095
18,684 277,753
26,156
2,026
21
9,759
17
37,979
195,974
21,549
898
9,927
26,702
255,050
4,805
16,397
611
30,508
(420) 142,376
3,134
37,822
8,305
8,999
16,435 236,102
25,117
2,219
31
9,324
41
36,732
165,139
25,656
1,083
9,485
11,424
212,787
()
///
# 50
()
98
39.
()
39.3 ()
()
() 100 bp
4800 (2012: 38600)100 bp15300 (2012: 14800)
-3.9% (2012: -3.7%)
1%
6,197
715
72,933
16,131
4,587
100,563
2,800
24,048
45,590
6,702
2,214
81,354
4,182
818
20,128
3,828
841
29,797
6,162
14,352
29,228
14,844
1,453
66,039
19,341
39,933
167,879
41,505
9,095
277,753
92,022
694
877
4,924
1,287
99,804
45,846
12,120
6
2,398
14,027
74,397
22,882
299
936
793
24,910
35,224
8,436
15
1,669
10,595
55,939
195,974
21,549
898
9,927
26,702
255,050
759
6,957
4,887
10,100
2012
(1)
(2)
5,176
392
69,250
17,300
5,447
97,565
1,048
14,891
31,555
4,990
1,910
54,394
4,224
1,386
18,041
3,480
710
27,841
5,949
13,839
23,530
12,052
932
56,302
16,397
30,508
142,376
37,822
8,999
236,102
(2)
82,095
933
1,052
5,145
1,168
90,393
31,455
12,649
9
1,854
6,536
52,503
20,739
543
875
1,463
23,620
30,850
11,531
22
1,611
2,257
46,271
165,139
25,656
1,083
9,485
11,424
212,787
7,172
1,891
4,221
10,031
2013
(1)
(2)
(2)
(3)
(3)
(1)
(2)
(3)
()
///
99
2013
20131231
39.
()
39.3 ()
2013
2012
2,165
2,057
4,350
8,572
1,796
952
357
3,105
369
1,105
3,993
5,467
1,911
1,959
3,974
7,844
1,812
1,180
1,184
4,176
99
779
2,790
3,668
1
1
13
312
13
10,132
6,164
12,900
253
1,745
31,194
883
6,880
13,849
2,530
1,205
25,347
795
12,958
14,241
4,877
1,580
34,451
2,277
12,942
25,576
8,918
3,274
52,987
989
27,663
9,200
679
38,531
5,254
73,650
15,727
612
95,243
19,341
39,933
167,879
41,505
9,095
277,753
(2)
103,238
8,508
2,415
2,491
116,652
30,149
6,497
1,539
3,659
41,844
25,735
5,405
46
1,969
6,605
39,760
31,476
1,040
49
3,115
6,649
42,329
3,921
99
282
316
3,526
8,144
1,455
521
573
3,772
6,321
195,974
21,549
898
9,927
26,702
255,050
(85,458)
(16,497)
(5,309)
10,658
30,387
88,922
5,081
6,214
10,428
364
1,599
23,686
3,014
5,301
12,533
1,811
1,189
23,848
1,869
8,156
13,384
3,927
1,764
29,100
1,730
10,518
16,008
6,706
3,449
38,411
319
25,425
9,187
659
35,590
4,703
64,598
15,827
339
85,467
16,397
30,508
142,376
37,822
8,999
236,102
(2)
92,637
14,612
2,291
833
110,373
25,233
6,708
1,559
645
34,145
21,575
3,973
31
2,026
1,478
29,083
23,174
307
306
2,792
717
27,296
1,386
56
150
442
4,073
6,107
1,134
596
375
3,678
5,783
165,139
25,656
1,083
9,485
11,424
212,787
(86,687)
(10,297)
17
11,115
29,483
79,684
2013
(1)
(2)
2012
(1)
(2)
(1)
(2)
(3)
(4)
100
()
///
102500 (2012: 89700)
111200(2012: 117000)
1700 (2012: 4300)189800 (2012:
17300)73100 (2012: 87800) 374100 (2012: 381800)
39.
()
39.3 ()
44
( 17)
2013
(1)
(1)
(2)
2012
(1)
(1)
(2)
(1)
(2)
(3)
1
1
13
312
13
103,253
8,511
1,875
2,492
30,225
6,505
354
3,679
25,819
5,415
46
525
6,667
31,840
1,041
49
835
6,826
4,063
99
282
130
3,846
1,605
521
62
4,298
196,805
21,571
898
3,781
27,808
532
#
102
3
284
10
621
13
768
22
1,244
(2)
3,551
46
21,485
(21,482)
159
(158)
116,667
33,728
(33,646)
1,225
(1,217)
40,958
44,761
(44,780)
867
(862)
38,752
55,275
(55,185)
8
(19)
41,304
7,445
(7,417)
684
(578)
9,344
5,089
(5,278)
164
(164)
7,539
167,783
(167,788)
3,107
(2,998)
254,564
92,661
14,619
1,875
833
25,354
6,721
628
661
21,732
3,979
31
261
1,548
23,535
311
306
442
914
1,478
56
150
423
4,421
1,262
596
99
4,187
166,022
25,686
1,083
3,728
12,564
376
3
119
6
283
3
778
17
1,485
39
740
25
3,781
93
23,375
(23,395)
588
(587)
110,348
38,597
(38,736)
1,352
(1,354)
33,348
48,532
(48,568)
578
(582)
27,797
43,091
(43,218)
11
(31)
26,156
5,809
(5,750)
852
(891)
8,072
4,310
(4,333)
940
(1,032)
6,794
163,714
(164,000)
4,321
(4,477)
212,515
# 50
39.4
101
2013
20131231
39.
()
39.5
GEH
GEHGEH
GEHGEH
(RMC) GEH
GEH (GMT) (ALC)
(ITSC)
GMTGEHGMT ()
GMT (SMT) (PDC)
ALCGMTALC
() (ALC) ALC
(
)
GEH
GEH
GEHGEH
(MAS) (BNM) 120%130%
GEH
()GEH
GEH2013123192 (2012: 86
)201312317 (2012: 7)
GEH
102
39.
()
39.5 ()
GEH
GEH
GEH ()
GEH
GEH
GEH
GEH
GEH
GEHGEHRMCALC
70825000
40595000
GEHS&P A-
ALC
GEH/
GEH
(ST) ST
/
103
2013
20131231
39.
()
39.5 ()
()
39.5(A):
()
2013
2012
(a)
25,638
14,760
391
1,187
573
1,025
43,574
23,527
14,900
383
1,088
648
938
41,484
(b)
26,128
17,139
307
43,574
25,779
15,400
305
41,484
:
(a) 1
(b) 2
(c) 3
(d) 4
(e) 5
(f) 6
(g) 7
+ 25%
25%
+ 25%
25%
+ 25%
25%
+ 30%
39.5(B1): / ()
1/ ()
2013
(45.2)
(45.2)
2012
(74.8)
(74.8)
104
(7.8)
(7.8)
63.7
63.7
(104.0)
(104.0)
41.1
41.1
(51.9)
(51.9)
(28.0)
(28.0)
19.9
19.9
71.8
71.8
(82.8)
(82.8)
53.9
53.9
(67.8)
(67.8)
(27.4)
(27.4)
39.
()
39.5 ()
()
39.5(B2): / ()
1/ ()
2013
(50.5)
(50.5)
46.0
46.0
(13.3)
(13.3)
10.8
10.8
(4.7)
(4.7)
6.6
6.6
(7.7)
(7.7)
2012
(63.6)
(63.6)
55.7
55.7
(14.1)
(14.1)
11.6
11.6
1.3
1.3
(1.2)
(1.2)
(7.5)
(7.5)
GEH
12
105
2013
20131231
39.
()
39.5 ()
()
39.5(C1):
2013
2012
(a)
23
36
1
9
22
31
122
(14)
(1)
(1)
(3)
(2)
(21)
(42)
9
35
#
6
20
10
80
21
39
1
8
23
28
120
(13)
(3)
(#)
(3)
(2)
(18)
(39)
8
36
1
5
21
10
81
(b)
59
63
122
(23)
(19)
(42)
36
44
80
56
64
120
(20)
(19)
(39)
36
45
81
2013
2012
(a)
34
85
3
21
13
52
208
(27)
(10)
(1)
(7)
(2)
(32)
(79)
7
75
2
14
11
20
129
23
87
5
14
12
38
179
(17)
(15)
(3)
(5)
(2)
(21)
(63)
6
72
2
9
10
17
116
(b)
73
135
208
(29)
(50)
(79)
44
85
129
62
117
179
(29)
(34)
(63)
33
83
116
(1)
106
# 50
39.
()
39.5 ()
()
39.5(C2):
(IBNR)
(i)
2013
2006
2007
2008
2009
2010
2011
2012
2013
(a)
48
50
49
48
47
86
84
84
84
60
63
58
58
84
83
82
82
56
57
57
81
79
77
77
73
79
104
100
97
97
75
94
91
87
87
124
102
106
106
115
109
109
154
154
(b)
19
37
41
43
43
81
81
82
82
22
43
48
50
75
78
79
79
23
44
49
71
73
73
73
31
56
83
87
90
90
30
65
74
77
77
39
72
83
83
36
71
71
43
43
10
23
38
111
(c)
198
6
4
208
107
2013
20131231
39.
()
39.5 ()
()
(ii) 2013
2006
2007
2008
2009
2010
2011
2012
2013
(a)
28
28
27
27
27
59
57
56
56
31
32
31
31
54
52
50
50
36
36
36
55
52
51
51
42
46
66
64
62
62
51
66
64
63
63
81
65
68
68
85
77
77
104
104
(b)
12
21
23
24
25
55
55
55
55
13
24
27
28
48
49
49
49
16
29
31
47
48
48
48
21
35
53
56
57
57
24
49
54
56
56
28
49
55
55
30
55
55
34
34
13
22
70
(c)
122
4
4
130
GEHGEH
GEH
108
39.
()
39.5 ()
()
2013
+20%
+20%
+20%
2
45
#
2
32
3
(2)
(32)
(3)
(1)
(25)
(2)
2012
+20%
+20%
+20%
2
39
1
1
30
2
(1)
(30)
(2)
(1)
(23)
(2)
(1)
# 50
GEH
GEH
GEHALCALC
GEH
109
2013
20131231
39.
()
39.5 ()
()
(a)
()
GEH(i) (ii)
GEH
ALCALC
20SGS20
(LTRFDR) LTRFDR
2009GEH
SGS (LTRFDR) LTRFDR
(BNM)15MGS
1515MGSMGS
(b)
15%35%
GEHBNM
GEH
110
39.
()
39.5 ()
()
(b)
()
2013
2,170
9,682
542
4,466
12,622
139
844
5,750
1,610
3,547
189
284
11,027
28,243
2,575
101
13
1,316
777
643
925
1,225
2,503
19,897
1,320
294
27
1,012
1,205
1,655
656
735
24,131
200
261
191
89
15
2
4
341
9,307
459
175
180
89
#
22
23
148
5,116
2,080
743
1,714
1,967
1,863
2,604
1,908
3,727
58,451
1,512
792
59
399
73
25,612
28,447
784
2,279
259
135
17,139
20,596
8
2
120
550
680
26
15
9
273
323
2,330
3,088
188
259
399
208
43,574
50,046
1,711
10,433
435
3,968
13,430
168
870
5,231
717
2,997
199
236
9,546
29,293
1,556
250
27
609
1,318
646
941
1,366
2,812
20,548
839
338
71
784
959
1,619
512
809
23,497
148
277
162
116
3
4
464
7,992
914
182
197
168
19
21
128
5,061
2,151
824
1,039
2,386
1,605
2,582
1,903
4,213
57,098
1,759
842
25
399
62
25,415
28,502
664
1,935
245
117
15,400
18,361
5
2
13
396
416
34
12
4
273
323
2,462
2,791
42
245
399
179
41,484
47,602
2012
(1)
(1)
(1)
(2)
# 50
GEH
111
2013
20131231
39.
()
39.5 ()
()
(c)
GEH
(d)
GEH
GEH
(e)
GEH
RMCGEHALC
(f)
GEH
(g)
GEH
112
39.
()
39.5 ()
()
(g)
()
GEH
2013
2012
(1)
(1)
(1)
(2)
15
2,180
8,377
29,376
11,027
2,575
11,027
39,933
2,575
139
157
407
337
1,840
3,727
8,787
304
916
1,066
5
30
10,698
524
1,172
713
11
31,796
2,080
1,714
#
2,262
27
19,685
2,080
967
1,714
2,245
2,186
2,604
1,908
3,727
70,966
14
21
35
2,330
3,088
259
538
208
43,574
49,997
2,084
2,719
70
18
192
6,948
12,031
183
353
50
74
(5)
4,580
5,235
63
2
139
446
(#)
32,046
32,696
2,671
9,232
26,617
9,546
1,556
9,546
38,520
1,556
128
434
186
264
1,794
4,213
9,690
239
1,282
1,192
1
27
11,973
755
592
520
38
28,522
2,151
1,039
12
2,317
44
16,665
2,151
1,122
1,039
2,320
1,898
2,582
1,903
4,213
66,850
2,251
2,365
64
18
159
5,674
10,531
175
408
47
74
4
5,722
6,430
36
2
134
464
30,088
30,724
16
16
32
2,462
2,791
245
556
179
41,484
47,717
# 50
113
2013
20131231
39.
()
39.5 ()
()
(g)
()
/:
2013
3,458
1,800
350
306
7,046
12,960
33
2,254
1,557
36,749
153
34
712
1,561
43,053
269
75
4,554
4,898
3,727
1,908
2,604
1,863
48,349
153
34
712
1,561
60,911
2,698
1,961
122
64
586
70
192
2,161
7,854
370
193
119
189
992
399
17
40,626
42,905
20
176
5
14
19
4,790
5,024
3,088
2,330
122
188
600
259
1,011
399
209
47,577
55,783
2012
(2)
(2)
3,767
1,222
313
141
7,060
3
12,506
610
2,269
1,464
35,615
323
34
711
1,532
42,558
446
71
4,120
4,637
4,213
1,903
2,582
1,605
46,795
3
323
34
711
1,532
59,701
2,363
2,065
120
4
480
64
159
1,168
6,423
410
236
34
181
1,057
399
27
41,375
43,719
18
161
4
8
13
4,515
4,719
2,791
2,462
120
42
488
245
1,070
399
186
47,058
54,861
(1)
* 12
(2)
114
39.
()
39.5 ()
()
(h)
GEH: (i)
, (ii) (iii)
ALCGEHGEHALCGEH
GEH
GEH
GEH70%
GEH
GEH:
2013
(1)
(1)
2012
2,249
4,453
2,268
4,444
1,228
635
4,112
2,911
25
7,389
1,081
523
3,872
2,625
1
7,070
2013123120121231
(2012: )
115
2013
20131231
39.
()
39.5 ()
()
(h)
()
GEH
GEHGEH
2013
2012
(3)
(3)
(1)
(2)
(3)
(4)
116
(AAABBB)
(BBC)
24,748
199
3,296
11,027
2,575
11,027
28,243
2,575
1,215
630
#
3,299
29,892
199
732
1,233
2,584
1,832
159
9,839
2,080
740
1,714
20
75
269
18,500
20
1
21
2,080
743
1,714
1,967
1,863
2,604
1,908
3,727
58,451
25,637
192
3,464
9,546
1,556
9,546
29,293
1,556
1,174
521
1
3,585
30,918
194
1,100
1,084
2,547
1,831
182
10,210
2,151
822
1,039
110
71
446
15,741
34
1
35
2,151
824
1,039
2,386
1,605
2,582
1,903
4,213
57,098
@ (S&PMoodysRAMMARC)
*
# 50
39.
()
39.5 ()
()
(h)
()
:
612
12
2013
14
1
15
1
#
1
20
1
21
13
13
33
1
34
2012
27
1
28
1
#
1
34
1
35
8
#
8
42
1
43
(1)
(2)
@ 90
# 50
(i)
GEH
GEH
117
2013
20131231
39.
()
39.5 ()
()
(j)
()
:
(a)
+100
100
(b) LTRFDR
+10
10
(c)
+5%
5%
(d)
+20%
STI
KLCI
20%
STI
KLCI
(e)
+100
100
(f) (1)
+10%
10%
(1)
2013
2012
2013
2012
(86.6)
35.4
(117.3)
49.0
(160.7)
118.5
(214.2)
157.8
12.9
(13.5)
16.9
(17.5)
12.9
(13.5)
16.9
(17.5)
13.7
(13.7)
13.3
(13.3)
78.5
(78.5)
51.2
(51.2)
13.8
0.8
14.6
0.4
54.9
23.9
34.9
16.9
(13.8)
(0.8)
(14.6)
(0.4)
(54.9)
(23.9)
(34.9)
(16.9)
(197.1)
230.3
(204.3)
241.0
(241.7)
278.6
(249.2)
290.0
14.6
(14.6)
15.9
(15.9)
35.5
(35.5)
22.5
(22.5)
118
40.
1,406
1,222
509
3,490
271
5,194
12,092
540
540
LAF (2)
LAF (2)
1,885
(1)
2013
(1)
LAF (2)
LAF (2)
(1)
(2)
19,341
31,698
309
167,854
25
3,773
223,000
9,773
7,670
7,366
15,803
1,814
42,426
127
127
4,536
7,427
37,913
19,341
11,719
8,892
39,573
19,602
167,854
2,110
9,094
278,185
6,859
285,044
51,761
1,643
338,448
898
5,509
6,407
442
442
195,974
21,549
4,047
26,260
247,830
371
371
184
5,388
43,574
195,974
21,549
898
9,927
26,702
255,050
2,137
257,187
49,146
4,036
310,369
///
LAF
119
2013
20131231
40.
()
1,314
1,786
208
2,030
155
5,155
10,648
380
380
LAF (2)
LAF (2)
2,134
(1)
2012
(1)
LAF (2)
LAF (2)
(1)
(2)
120
16,397
21,005
555
142,376
3,733
184,066
11,447
7,371
8,598
12,347
1,901
41,664
111
111
4,014
6,828
37,515
16,397
13,141
9,157
29,811
14,932
142,376
2,056
8,999
236,869
6,803
243,672
50,491
1,780
295,943
1,083
5,001
6,084
211
211
165,139
25,656
4,161
11,213
206,169
323
323
5,156
41,484
///
LAF
165,139
25,656
1,083
9,485
11,424
212,787
2,068
214,855
46,640
5,747
267,242
40.
()
2013
(1)
(1)
2012
(1)
(1)
(1)
1,406
1,052
509
3,408
148
4,195
10,718
12,713
23,630
229
125,080
9,378
1,311
172,341
9,365
3,491
6,682
9,254
1,772
30,564
12,713
10,771
4,543
30,821
12,891
125,080
9,378
1,920
5,506
213,623
10,078
223,701
898
4,495
5,393
442
442
142,855
20,260
6,957
1,570
26,472
198,114
142,855
20,260
6,957
898
6,065
26,914
203,949
427
204,376
1,314
1,740
208
1,707
73
4,693
9,735
9,382
13,065
418
104,157
5,811
1,147
133,980
10,647
4,358
7,745
7,223
1,873
31,846
9,382
11,961
6,098
21,018
9,348
104,157
5,811
1,946
5,840
175,561
8,891
184,452
1,083
4,620
5,703
211
211
115,325
21,539
8,258
1,691
11,708
158,521
115,325
21,539
8,258
1,083
6,311
11,919
164,435
432
164,867
///
121
2013
20131231
41.
41.1
(MRM)
MRM
41.2
()
41.3
:
1 ();
2 1 () ()
;
3
122
41.
()
41.3 ()
:
2013
2012
14,101
158
19,765
29,824
63,848
8,668
6,187
4,980
1,096
14,510
35,441
48
56
104
8,668
20,336
5,194
20,861
44,334
99,393
9,976
24
21,586
28,337
59,923
10,270
4,540
5,033
850
15,326
36,019
315
98
413
10,270
14,831
5,155
22,436
43,663
96,355
1,561
1,561
1,561
1,561
1,532
1,532
1,532
1,532
152
898
1,050
5,311
442
184
5,937
46
46
5,509
898
442
184
7,033
28
1,083
1,111
4,905
211
5,116
68
68
5,001
1,083
211
6,295
(1)
(1)
(1)
9,179
3
14,618
23,800
7,984
4,336
4,158
946
17,424
24
34
58
7,984
13,539
4,195
15,564
41,282
6,170
3
17,348
23,521
9,417
3,061
4,644
849
17,971
43
46
89
9,417
9,274
4,693
18,197
41,581
4
898
902
4,462
442
4,904
29
29
4,495
898
442
5,835
6
1,083
1,089
4,580
211
4,791
34
34
4,620
1,083
211
5,914
(1)
(1)
(1)
(1)
123
2013
20131231
41.
()
41.3 ()
3
20131231
()
34
14
56
104
46
46
3
2013
11
/
()/3
/():
1231
/()
201
3
(107)
(44) (1)
2012
114
(114)
98
14
(26)
(5) (1)
413
17
(247)
(49)
242
45
(45)
(24)
(6)
104
(12)
(29)
201
49
(#)
114
(17)
49
#
(5)
48
#
#
#
(24)
(1)
56
65
(#)
# (2)
76
27
(7)
383
72
(52)
#
3
(1)
98
40
(30)
413
19
51
/() :
2013
2012
/()
(23)
(1)
(24)
50
(11)
40
/()
68
(17)
51
(1)
(2)
(3)
124
2
3
# 50
41.
()
41.3 ()
3 ()
2013
11
/
3
/()
1231
/()
2012
43
3
(21)
46
14
(5) (1)
89
17
(21)
(5)
74
4
(31)
(#)
42
9
116
13
(31)
1
(2)
24
(21)
34
(20)
(2)
58
5
(9)
43
(#)
(#)
(5)
46
(#)
(9)
89
(1)
(1)
(#)
/() :
2013
2012
/()
(21)
(20)
(7)
(#)
/()
(1)
(1)
(1)
(2)
2
# 50
125
2013
20131231
41.
()
41.3 ()
3 ()
2013
11
/
3
/()
1231
2012
68
11
(23)
(5) (1)
68
11
(23)
(5)
68
21
(12)
68
21
(12)
34
11
(#)
(5) (1)
(4)
(1)
46
(4)
(1)
46
(8)
(1)
68
(8)
(1)
68
(13)
(13)
(7)
(7)
2013
2012
34
11
(#)
(5)
31
12
31
12
(11)
29
(11)
29
(9)
34
(9)
34
(11)
(11)
(6)
(6)
/() :
2013
(1)
(2)
126
2013
2012
11
11
(13)
(13)
(7)
(7)
(11)
(11)
(6)
(6)
2012
2
# 50
42.
/
()
(A)
(B) (1)
(A B = C + D + E) (2)
(C) (3)
(D)
(E)
2013
5,194
2,183 (4)
51 (5)
7,428
1,262
1,684
2,946
3,932
499
51
4,482
2,948
494
40
3,482
40
40
944
5
11
960
5,509
1,897 (6)
14 (7)
7,420
1,005
164
1,169
4,504
1,733
14
6,251
2,948
1,731
1
4,680
746
746
810
2
13
825
2012
5,155
1,825 (4)
97 (5)
7,077
740
485
1,225
4,415
1,340
97
5,852
3,347
1,333
87
4,767
95
95
973
7
10
990
5,001
1,859 (6)
41 (7)
6,901
745
107
852
4,256
1,752
41
6,049
3,345
1,751
20
5,116
595
595
316
1
21
338
(1)
(2)
(3)
(4)
(5)
(6)
(7)
127
2013
20131231
42.
()
/
()
(A)
(B) (1)
(A B = C + D + E) (2)
(C) (3)
(D)
(E)
2013
4,195
499 (4)
41 (5)
4,735
481
481
3,714
499
41
4,254
2,814
494
39
3,347
40
40
860
5
2
867
4,495
1,733 (6)
6,228
233
233
4,262
1,733
5,995
2,814
1,731
4,545
704
704
744
2
746
2012
4,693
952 (4)
66 (5)
5,711
298
298
4,395
952
66
5,413
3,355
945
63
4,363
95
95
945
7
3
955
4,620
1,752 (6)
6,372
371
371
4,249
1,752
6,001
3,352
1,751
5,103
617
617
280
1
281
(1)
(2)
(3)
(4)
(5)
(6)
128
43.
:
1
1
43.1
43.2
2013
$000
2012
$000
2013
$000
2012
$000
4,759,496
2,856,314
7,615,810
1,329,853
3,251,621
12,197,284
3,484,131
2,719,085
6,203,216
915,270
1,981,694
9,100,180
4,117,189
2,264,338
6,381,527
694,046
2,032,148
9,107,721
2,955,362
2,369,053
5,324,415
188,433
1,466,867
6,979,715
333,829
2,036,046
1,796,114
4,780,148
795,199
1,033,645
262,901
1,159,402
12,197,284
285,983
1,756,473
1,648,358
2,944,882
594,564
460,575
321,770
1,087,575
9,100,180
74,814
1,341,502
1,298,702
3,643,956
768,337
1,049,630
64,607
866,173
9,107,721
42,474
1,415,868
1,300,388
2,112,801
582,844
523,985
74,311
927,044
6,979,715
7,302,367
1,246,295
887,196
2,320,320
287,600
153,506
12,197,284
5,650,283
1,107,766
868,412
1,153,510
240,054
80,155
9,100,180
7,453,610
131,039
1,063,880
305,686
153,506
9,107,721
5,836,483
248,115
551,454
263,508
80,155
6,979,715
129
2013
20131231
44.
44.1
:
1
1
44.2
():
1
15
5
44.3
44.4
44.5
130
2013
$000
2012
$000
2013
$000
2012
$000
59,946,342
16,252,722
76,199,064
52,530,534
13,763,878
66,294,412
35,368,311
13,361,541
48,729,852
30,804,258
11,306,082
42,110,340
44,609
54,397
99,006
270,446
474,679
844,131
49,841
55,867
27
105,735
140,413
499,498
745,646
14,921
13,717
28,638
216,612
522,843
768,093
17,640
16,188
33,828
83,236
440,058
557,122
77,043,195
67,040,058
49,497,945
42,667,462
1,341,487
6,000,523
6,708,709
12,228,506
3,256,549
15,883,631
24,102,195
6,677,464
76,199,064
1,342,297
5,531,068
4,848,792
10,501,410
3,171,384
13,685,566
21,033,097
6,180,798
66,294,412
710,074
2,920,106
5,274,889
10,051,478
2,680,292
10,102,734
13,314,321
3,675,958
48,729,852
724,808
2,700,456
3,734,292
8,527,585
2,866,893
8,410,817
11,721,431
3,424,058
42,110,340
57,246,041
7,129,925
2,943,373
6,256,444
1,700,415
922,866
76,199,064
50,312,328
6,337,313
2,661,544
4,884,744
1,466,409
632,074
66,294,412
41,189,465
332,744
4,577,642
1,707,135
922,866
48,729,852
36,002,730
139,053
3,863,263
1,473,220
632,074
42,110,340
45.
( 24)
( 25)
( 26)
( 30)
2013
$000
2012
$000
2013
$000
2012
$000
230,687
19,302
793,115
24,503
1,042,115
2,109,722
118,497
19,687
1,464,467
453,504
2,056,155
230,687
19,302
793,115
876,730
1,919,834
118,497
19,687
1,464,467
343,684
1,946,335
1,896,941
1,858,816
1,732,537
1,751,402
46.
47.
1
15
5
2013
$000
2012
$000
2013
$000
2012
$000
46,249
58,280
258
104,787
44,079
49,218
80
93,377
20,941
24,597
45,538
18,222
8,289
26,511
131
2013
20131231
48.
48.1
()
(a)
201311
/()
20131231
#
#
#
7
4
11
15
3
18
(b)
201311
20131231
161
7
168
102
53
155
40
#
40
1,208
64
1,272
(c) (1)
201311
20131231
312
18
330
23
11
34
#
#
#
(d)
20131231:
1
#
#
4
#
1
2
1
1
#
#
2
1
#
28
1
121
#
20121231:
1
#
#
3
#
1
2
1
#
#
#
1
#
#
13
#
89
#
(1)
(2)
132
# 50
119
(76)
43
48.
()
()
(a)
201311
/()
20131231
5,812
3,566
9,378
2
9
11
12
1
13
119
(76)
43
(b)
201311
()/
20131231
10,158
(1,301)
8,857
149
6
155
80
57
137
38
(#)
38
410
(71)
339
643
701
1,344
312
13
325
14
10
24
#
#
#
(d)
20131231:
86
143
8
31
230
#
#
#
#
#
#
#
#
#
1
121
#
20121231:
95
160
7
23
235
#
#
#
#
#
#
#
#
#
1
89
#
(c) (1)
201311
20131231
(1)
(2)
# 50
48.2
2013
2012
35
11
46
36
12
48
2013
133
2013
20131231
49.
/
201411:
FRS 27 ()
FRS 28 ()
FRS 32 ()
FRS 36 ()
FRS 39 ()
FRS 110
FRS 111
FRS 112
FRS 27, 110, 112 ()
FRS 110
FRS 110
(2.2.1
2.2.2)
FRS 112
()
50.
(a) 201416 ()
201433
(b) 2014114 () 207,545,680
8.851838300
15.3%20.0%
2014
134
65 Chulia Street
#06-00 OCBC Centre
Singapore 049513
: (65) 6318 7222
: (65) 6533 7955
www.ocbc.com
56
63 Market Street
#22-00
Bank of Singapore Centre
Singapore 048942
: (65) 6559 8000
: (65) 6559 8180
www.bankofsingapore.com
1 Pickering Street
#13-01 Great Eastern Centre
Singapore 048659
: (65) 6248 2000
: (65) 6532 2214
www.greateasternlife.com
65 Chulia Street
#18-01 OCBC Centre
Singapore 049513
: (65) 6417 6800
: (65) 6417 6801
www.lionglobalinvestors.com
18 Church Street
#01-00 OCBC Centre South
Singapore 049479
: (65) 6535 2882
: (65) 6538 9115
www.iocbc.com
65 Chulia Street
#11-00 OCBC Centre
Singapore 049513
: (65) 6530 1235
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65 Chulia Street
#11-00 OCBC Centre
Singapore 049513
: (65) 6530 1675
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18 Cross Street
#11-01/03
China Square Central
Singapore 048423
: (65) 6533 0818
: (65) 6536 1464
Unit 2 Level 5
Dar Takaful IBB Utama
Jalan Pemancha
Bandar Seri Begawan
BS 8711
Negara Brunei Darussalam
: (673) 2230 826
: (673) 2230 283
Unit 2 Level 5
Dar Takaful IBB Utama
Jalan Pemancha
Bandar Seri Begawan
BS 8711
Negara Brunei Darussalam
: (673) 2230 826/
2230 836
: (673) 2230 283
Menara OCBC
18 Jalan Tun Perak
50050 Kuala Lumpur
Malaysia
: (603) 2034 5034
: (603) 2698 4363
www.ocbc.com.my
: 1300 88 5000 ()
: 1300 88 7000 ()
: 1300 88 0310 ()
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Overseas Assurance
Corporation (Malaysia)
Berhad
Level 18
Menara Great Eastern
303 Jalan Ampang
50450 Kuala Lumpur
Malaysia
: (603) 4259 7888
: (603) 4813 2737
www.oac.com.my
Overseas Assurance Corporation
(Malaysia) Berhad
146
Sakura Tower
Unit 1202 12th Floor
339 Bogyoke Aung San Road
Kyauktada Township
Yangon
Union of Myanmar
: (951) 255 409
: (951) 255 410
The Great Eastern Life
Assurance Co Ltd
()
22/F Tower One and
Exchange Plaza
Ayala Triangle, Ayala Avenue
1226 Makati City
Philippines
: (632) 479 8988
: (632) 848 5223
135
2013
()
1155
: 200135
HD Tower, Level 8
25 Bis Nguyen Thi Minh
Khai Street
District 1
Ho Chi Minh City
Vietnam
: (84) 8 6288 6338
: (84) 8 6288 6339
www.greateasternlife.com
()
916
136
333
121206
: 200021
1
24-25
330038
1116
77
700
315100
9
217 (
20141)
1
135
: (852) 2846 3980
: (852) 2295 3332
OCBC Nominees (Hong Kong) Ltd
105
2052203
Level 2
75 Castlereagh Street
Sydney NSW 2000
Australia
: (61) 2 9235 2022
: (61) 2 9221 5703
2014214
2013
2014424
2014430
2014
20146
2013
()
2014620
()
20148
2014
20149 / 10
2014
()
201410
2014
20141222
()
137
19321912d
Aa1d20112012wxd
ccc
ccccd
ccd17450
dOCBCNISP 330d
(GreatEasternHoldings)
d(LionGlobalInvestors)
d(BankofSingapore)d
wx2013d
wwwocbccom
(DavidConner)
PramuktiSurjaudaja
(DavidConner)
(DavidConner)
PramuktiSurjaudaja
M CServicesPrivateLimited
112RobinsonRoad 05 01
Singapore068902
(65)62280505
KPMGLLP
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HongLeongBuilding
Singapore048581
(65)62133388
65ChuliaStreet
(: 2011)
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Singapore049513
(65)63187222()
(65)65337955
ContactUs# ocbccom
wwwocbccom
Sedgwick Richardson
Medialink Printing Services Pte Ltd
()
193200032W