OCBC Bank is the longest established Singapore bank, formed in 1932 from the merger of three local banks, the oldest of which was

founded in 1912. It is now the second largest financial services group in Southeast Asia by assets and one of the world’s most highly-rated

banks, with an Aa1 rating from Moody’s. It was ranked by Bloomberg Markets as the world’s strongest bank in 2011.

OCBC Bank and its subsidiaries offer a broad array of specialist financial services, ranging from consumer, corporate, investment, private and

transaction banking to treasury, insurance, asset management and stockbroking services.

OCBC Bank’s key markets are Singapore, Malaysia, Indonesia and Greater China. It has a network of over 500 branches and representative

offices in 15 countries and territories, including more than 400 branches and offices in Indonesia that are operated by its subsidiary,

Bank OCBC NISP.

OCBC Bank’s insurance subsidiary, Great Eastern Holdings, is the largest insurance group in Singapore and Malaysia by assets. Its asset

management subsidiary, Lion Global Investors, is one of the largest private sector asset management companies in Southeast Asia. Private

banking services are provided by subsidiary Bank of Singapore, which continued to gain industry recognition in 2011 including being voted

“Outstanding Private Bank in Asia Pacific“ by Private Banker International.

For more information, please visit www.ocbc.com

BOARD OF DIRECTORS

Dr Cheong Choong Kong

Chairman

Mr Bobby Chin

Mr David Conner

Mrs Fang Ai Lian

Mr Lai Teck Poh

Mr Lee Seng Wee

Dr Lee Tih Shih

Mr Colm McCarthy

Professor Neo Boon Siong

Dato’ Ooi Sang Kuang

Mr Quah Wee Ghee

Mr Pramukti Surjaudaja

Dr Teh Kok Peng

Mr Patrick Yeoh

NOMINATING COMMITTEE

Mrs Fang Ai Lian

Chairman

Dr Cheong Choong Kong

Mr Lai Teck Poh

Mr Lee Seng Wee

Professor Neo Boon Siong

EXECUTIVE COMMITTEE

Dr Cheong Choong Kong

Chairman

Mr Bobby Chin

Mr David Conner

Mr Lee Seng Wee

Mr Patrick Yeoh

AUDIT COMMITTEEMr Bobby Chin

Chairman

Mr Colm McCarthy

Professor Neo Boon Siong

REMUNERATION COMMITTEE

Mrs Fang Ai Lian

Chairman

Dr Cheong Choong Kong

Dr Lee Tih Shih

Professor Neo Boon Siong

RISK MANAGEMENT COMMITTEE

Mr Patrick Yeoh

Chairman

Dr Cheong Choong Kong

Mr David Conner

Mr Lai Teck Poh

Mr Colm McCarthy

Mr Pramukti Surjaudaja

SECRETARY

Mr Peter Yeoh

REGISTERED OFFICE

65 Chulia Street

#09-00 OCBC Centre

Singapore 049513

Tel: (65) 6318 7222 (Main Line)

Fax: (65) 6533 7955

Email: ContactUs@ocbc.com

Website: www.ocbc.com

SHARE REGISTRATION OFFICE

M & C Services Private Limited

138 Robinson Road #17-00

The Corporate Office

Singapore 068906

Tel: (65) 6228 0505

AUDITORS

KPMG LLP

16 Raffles Quay #22-00

Hong Leong Building

Singapore 048581

Tel: (65) 6213 3388

PARTNER IN CHARGE OF THE AUDIT

Ms Lee Sze Yeng

(Year of Appointment: 2011)

Corporate Profile

Corporate Information

Design & Produced by: Sedgwick RichardsonPrinted by: Medialink Printing Services Pte Ltd

Contents

OUR VALUES

CustomersWe listen to our customers and understand their needs. We build enduring relationships with them by delivering superior products and quality service.

PeopleWe treat each other fairly and with respect. We support our colleagues and invest in their development to help them realise their full potential. We recognise and reward outstanding performance.

TeamworkWe, as team members, actively support each other across the organisation as we work towards our common purpose. As individuals, we expect total responsibility from ourselves.

IntegrityFair dealing is the basis of our business. We assume everything we do is in full public view.

Prudent Risk TakingWe are prudent risk takers because our customers rely on us for safety and soundness.

EffectivenessWe actively invest in infrastructure, process improvement and skills to lower our delivery costs. We do the right things right the first time, on time, every time.

OUR PURPOSE

We help individuals and businesses across communities achieve their aspirations by providing innovative financial services that meet their needs.

Our Purpose & Our Values Inside Front Cover

Letter to Shareholders 04Financial Highlights 08Board of Directors 10Principal Officers 14New Horizons III 182011 Report Card 19Operations Review 21Corporate Social Responsibility 28Corporate Governance 33Additional Information Required under

the SGX-ST Listing Manual 44Capital Management 45Risk Management 47Basel II Pillar 3 Risk Disclosure 57Financial Report 61 Management Discussion and Analysis

Financial Statements

Group’s Major Properties

Ordinary/Preference Shareholding Statistics 175Investor Reference 180Further Information on Directors 182International Network 187Financial Calendar 189Notice of Annual General Meeting 190Proxy Form 195

Corporate Profile and Information Inside Back Cover

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