Risk management.

DEVELOPmENTS IN 2011 During the year, OCBC Group remained focused on our key clients and markets in Asia. This strategy provided us with healthy and strong broad based growth, including increased contribution from our wealth management business through Bank of Singapore (“BOS”). Loan origination was predominantly focused on firms with strong risk ratings as we carefully increased our activities within internal risk limits. Our franchise in China further grew with emphasis on secured lending and loans to selected top tier corporates and financial institutions. We also continued to integrate and consolidate our wealth management platform into BOS and align its risk approaches and practices towards Group standards.