With a rich heritage that can be traced as far back as 1912, we are the second largest financial services group in Southeast Asia, classified by assets. OCBC Bank is among the world's highest rated banks, with a long term credit rating of Aa1 from Moody's. We 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.

Our key markets are Singapore, Malaysia, Indonesia and Greater China. We have a network of more than 500 branches and representative offices in 15 countries and territories, including 400 branches and offices in Indonesia operated by our subsidiary, Bank OCBC NISP.

Our insurance subsidiary, Great Eastern Holdings, is the largest insurance group in Singapore and Malaysia by assets, and our asset management subsidiary, Lion Global Investors, is one of the largest private sector asset management companies in Southeast Asia.

We have an excellent history of innovation, which is constantly enriched with the introduction of many "firsts" into the market. In recognition of our product offerings, we have won a series of international awards. Actively forging lifetime partnerships with our customers to help them achieve their aspirations, we remain committed to creating more value for our customers, shareholders and staff. Looking ahead, we will continue to build on our existing strengths and seek growth in other regional markets, while striving to improve our performance in core financial services throughout the OCBC Group.