Our Purpose & Our Values Letter to Shareholders Financial Highlights Board of Directors Principal Officers New Horizons III 2011 Report Card Operations Review Corporate Social Responsibility Corporate Governance Additional Information Required under the SGX-ST Listing Manual Capital Management Risk Management Basel II Pillar 3 Risk Disclosure Financial Report Management Discussion and Analysis Financial Statements Group’s Major Properties Ordinary/Preference Shareholding Statistics Investor Reference Further Information on Directors International Network Financial Calendar Notice of Annual General Meeting Proxy Form Corporate Profile and Information
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We help individuals and businesses across communities achieve their aspirations by providing innovative financial services that meet their needs.
Customers We listen to our customers and understand their needs. We build enduring relationships with them by delivering superior products and quality service. People We 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. Teamwork We, 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. Integrity Fair dealing is the basis of our business. We assume everything we do is in full public view. Prudent Risk Taking We are prudent risk takers because our customers rely on us for safety and soundness. Effectiveness We 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.
Leveraging Group Synergies
Focused, relentless execution of our strategy over the past ten years has built OCBC into a comprehensive and integrated financial services Group spanning commercial banking, insurance, asset management, securities brokerage and private banking. With our unique combination of business capabilities and geographic footprint, we are in a good position to harness the potential synergies across our Group entities to deliver superior value to our customers, our employees and our shareholders. We are leveraging on the expertise of the various entities within the Group to design and deliver better products and services for our customers, as well as to broaden our relationships with our customers. We continue to invest in our people, helping them develop their capabilities by providing diverse and enriching opportunities to build their careers within the Group. We continue to strive to deliver superior returns for our shareholders, as we further strengthen the collaboration within the Group to enhance operational effectiveness.
Bringing greater value to customers
Strong collaboration across the Group has enabled OCBC to deliver Customer Design differentiated products and services Implementation to our customers. Deployment Based on customer insights, we launched a unique unit trust, LionGlobal New Target Return Fund, with Lion Global Investors.
We launched OCBC’s cash management platform, Velocity@ocbc, in Indonesia for China OCBC NISP’s corporate clients, achieving improvements in service levels. We linked our ATMs in Singapore, Malaysia and Indonesia, providing our customers with greater convenience region-wide. Malaysia Singapore Indonesia
Malaysia Singapore Indonesia
OCBC Annual Report 2011
Improving operational effectiveness
Core EPS 11%, DPS 10%
LEVERAGING GROUP SyNERGIES IN 2011