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2 IT IT PamelaWongShu-Ting ( ) 2

3 3 e- 1 IT 2 IT 3 E- E- IT 4 E- OCBC E- finatiq OUB UOB DBS 5

4 ADB 2000 ADB IT 14 NTT I IT NIES 4

5 593 Sohu NTT 1999 I 0.02 Sohu.com E 2005E NIEs NIEs NIEs % NIEs: IDC DIR IT (IDC) 1999 APEJ 1, US$ 40 2 APCN HKT KDD NTT MCI 4 US$ 3 US$ IDC IT 5 5

6 US$ IT WAP 55 I-ai I-ai , WAP 6

7 WAP 2, , US$ 62 5 US$ 10 US$

8 IDC IT SMEs SMEs IT 6 OCBC e- finatiq B2B EC B B Dollardex B2C IDC 2 US$ US$ B2B B2C 80 B2B BusinessToBusiness IT SITF SITF 40 SMEs 8

9 IT IDC IT 9 IT 1 IT E- 4 DBS OCBC UOB OUB US AsiaWeek E- 18 e- finatiq finatiq OCBC 100 e- e- 9

10 e- OCBC bolero.net B2B OCBC OCBC OCBC 10

11 DBS e- IBM DBS 2 IT 2 S$ UOB UOB UOB 1 OCBC 700 S$ TX123 SCS TX123 B2B OCBC SembCorp GE TX123 DBS IBEX Bex.com B2B UOB 1999 SESAMi B2B SESAMi.com SESAMi.net 2 IT IT OCBC IT OCBC 3 11

12 IT 10 S$ 4 6 S$ e- finatiq DBS IT 1 S$ 2 S$ 2 S$ 25 OUB UOB IT IT 4 E- OCBC E- finatiq finatiq 18 e- OCBC finatiq OCBC 2 6 S$ finatiq finatiq 20 OCBC OCBC e- OCBC finatiq finatiq B2B B2C finatiq 12

13 finatiq 2 6 finatiq finatiq 2.5 finatiq OCBC OCBC OCBC OCBC OUB OUB OUB 13

14 OUB OUB OUB OUB IT OUB S$ IT OUB2000 OUB OUB OUB 4 IT e M-Commerce 14

15 IT OUB 20 OUB2000 IT OUB e- first-e Enba E- first-e MAS OUB MAS OCBC e- OUB first-e OUB OUB OUB OUB first-e Maestro-Cirrus ATM 1 first-e 2 8 S$ 10 OUB first-e OUB first-e 15

16 e- OUB finatiq first-e UOB 3 UOB UOB) Chung Khiaw Bank FarEasternBank IndustrialandCommercialBank 5 ROE 1999 UOB ROE DBS UOB S$ OCBC S$ UOB UOB UOB 1999 UOB UOB KayHian UOB IT UOB 1. TCM 16

17 2. UOB UOB UOB UOB UOB UOB UOB KayHian KayHianh 17

18 UOB 71 ATM NETS ATM NETS 2 UOB 7 UOB e- UOB e UOB e- UOB TCM e- UOB 2 e- UOB 2 S$ 9 UOB 97 9 UOB UOB IT 1.7 $ 3 $ UOB IT UOB IT IT 18

19 IT IT DBS DBS e- DBS HSBC e- DBS e- finatiq OCBC first-e OUB IT e- e- e- DBS IT DBS DBS DBS DBS 6 19

20 IPO DBS 1 80 ESA 1 DBS DBS S$ IT IT IT HSBC 20

21 5 US$ UOB DBS Keppel TatLee DBS 1997 DBS Philip Evans, Thomas S. Wurster; Harvard Business School Press (1999); Blown to Bits Asian Wall Street Journal: various issues Far Eastern Economic Review: May 4, 2000 The Straits Times: various issues Singapore Business Times: various issues 21

22 Other sources include Annual Reports, News, information from Seminars, Conferences, Product launch, Brochures, etc Contacts 1) Irs Chua Hwee Pheng Senior Vice President United Overseas Bank Group 2) Ching Wei Hong Head, esolutions, Business Banking Division Oversea-Chinese Banking Corporation Limited 3) Lynette Ang Chief Brand Marketing finatiq finatiq 22

;; ; ;; ;;; ; ;; ;; ;; ; ;; ; ;; ; ;;;; ;; ;;;;;;; ;;;;;;;; ;;;;;;;;; ;;;;;;; ;;;;;;; ;;;;;;; ;;;;;;;; Harvard

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212 1 2 ROE ROE 3 Tier I Tier I 24 2,58 1,4 49 51 6 8% 1% 5,43 1% 7% 5% III 22 2,921 1,566 1,354 1,428 683 11 426 23 24 2423 23 23 538 8.5% 12.4% 6,18 212 22243 1 A~A- 1% 2 Tier I7% 2 Tier I5% 2 1. 22928 2. III 22 23 24 24 22 VBI* 23 24 * Venture Banking Initiative 16 212 1 2 ROE ROE 3 Tier I Tier I 24 2,58 1,4 49 51 6 8% 1% 5,43 1% 7% 5% III 22 2,921

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