LOAN AND INVESTMENT EXPOSURES TO MALAYSIA, INDONESIA, THAILAND, KOREA, LOAN AND INVESTMENT EXPOSURES TO MALAYSIA, INDONESIA, THAILAND, KOREA,

Appendix V DBS GROUP HOLDINGS LTD AND ITS SUBSIDIARY COMPANIES 8

2. LOAN AND INVESTMENT EXPOSURES TO MALAYSIA, INDONESIA, THAILAND, KOREA,

THE PHILIPPINES REGIONAL COUNTRIES, HONG KONG AND CHINA Continued The DBSH Group’s exposures to these countries at September 30, 2003 are as follows: In S’million Loans and debt securities Net Exposure Assets in Bank Central Banks Govt. Securities Non- Bank 1 Investments Total Less: Intercompany Loans Investments in Financial Subsidiaries Overseas Branches Amount As a of Total Assets Total Regional Countries a 4,597 b 1,137 c 6,424 d 921 e= a+b+c+d 13,079 f 1,683 g=e-f 11,396 h 7.1 Malaysia 1,060 8 1,118 95 2,281 894 1,387 0.9 Indonesia 115 36 354 75 580 124 456 0.3 Thailand excluding DTDB 43 93 218 64 418 81 337 0.2 Korea 3,330 545 1,142 2 5,019 579 4,440 2.8 The Philippines 42 103 146 582 873 5 868 0.6 DTDB 7 352 3,446 103 3,908 - 3,908 2.4 Hong Kong 2,201 2,237 22,965 12,944 40,347 14,077 26,270 16.4 China 995 22 643 - 1,660 380 1,280 0.8 Total 7,793 3,396 30,032 13,865 55,086 16,140 38,946 24.3 Note: 1 Non-bank loans include loans to government and quasi-government entities. The DBSH Group’s exposures to these countries at December 31, 2002 are as follows: In S’million Loans and debt securities Net Exposure Assets in Bank Central Banks Govt. Securities Non- Bank 1 Investments Total Less: Intercompany Loans Investments in Financial Subsidiaries Overseas Branches Amount As a of Total Assets Total Regional Countries a 2,753 b 680 c 4,870 d 813 e= a+b+c+d 9,116 f 834 g=e-f 8,282 h 5.5 Malaysia 743 4 677 89 1,513 561 952 0.6 Indonesia 109 73 247 72 501 79 422 0.3 Thailand excluding DTDB 98 23 244 73 438 135 303 0.2 Korea 1,724 249 418 4 2,395 54 2,341 1.6 The Philippines 20 49 143 493 705 5 700 0.5 DTDB 59 282 3,141 82 3,564 - 3,564 2.3 Hong Kong 1,830 2,372 22,303 10,346 36,851 11,074 25,777 17.3 China 1,001 27 718 - 1,746 362 1,384 0.9 Total 5,584 3,079 27,891 11,159 47,713 12,270 35,443 23.7 Note: 1 Non-bank loans include loans to government and quasi-government entities. Appendix V DBS GROUP HOLDINGS LTD AND ITS SUBSIDIARY COMPANIES 9

2. LOAN AND INVESTMENT EXPOSURES TO MALAYSIA, INDONESIA, THAILAND, KOREA,

THE PHILIPPINES REGIONAL COUNTRIES, HONG KONG AND CHINA Continued The DBSH Group’s exposures to these countries at September 30, 2002 are as follows: In S’million Loans and debt securities Net Exposure Assets in Bank Central Banks Govt. Securities Non- Bank 1 Investments Total Less: Intercompany Loans Investments in Financial Subsidiaries Overseas Branches Amount As a of Total Assets Total Regional Countries a 2,504 b 1,002 c 5,006 d 1,006 e= a+b+c+d 9,518 f 942 g=e-f 8,576 h 5.8 Malaysia 776 4 652 88 1,520 602 918 0.6 Indonesia 119 92 277 73 561 90 471 0.3 Thailand excluding DTDB 113 23 305 87 528 154 374 0.3 Korea 1,358 522 393 4 2,277 90 2,187 1.5 The Philippines 75 90 123 670 958 6 952 0.7 DTDB 63 271 3,256 84 3,674 - 3,674 2.5 Hong Kong 1,222 3,466 23,402 10,595 38,685 10,984 27,701 18.7 China 988 26 809 - 1,823 472 1,351 0.9 Total 4,714 4,494 29,217 11,601 50,026 12,398 37,628 25.4 Note: 1 Non-bank loans include loans to government and quasi-government entities.

3. NON-PERFORMING LOANS AND PROVISIONS