Essential of finance ca1
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Research on Financial Institutions in Singapore
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Leader• Alfred Wee Fook
Choon Members• Tan Kok Heng • Leon Teo• Nahvieen• Jonathan• Teo Hui Ping• Toh Xinni
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• Definition of a Commercial Bank
• Commercial Bank in Singapore
• Types of loans offered
• Profile of a local Bank
• Specialisation
• Question and Answer
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A financial institution that provides services such as a accepting deposits and giving business loans.
Examples of local banks includes OCBC, DBS and UOB
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Full Bank Provide full banking services under
banking Act Total of 32
6 local banks (OCBC, DBS, OCBC etc) 26 foreign banks (BOC, BNP Paribas etc)
Qualifying Full Bank(QFB) Total of 8 foreign banks awarded CAA 2
Sep 2010 Operating a total of 25 locations Sharing of ATMs among themselves and
relocating of branches freely Eg. Standard Chartered, HSBC, Citibank etc
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Wholesale Bank May engage in the same range of banking
business as full banks, except that they do not carry out SGD retail banking activities.
All operate as branches of foreign banks. Eg. Credit Sussie, Barclays Bank, ING Bank, ABN
AMRO etc
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Off shore Bank Engaged in same activities with Full and Wholesale
banks for businessess but transaction are made in Asian Currency Units (ACUs).
More restricted domestic banking activities. Eg. Credit Agricole (Suisse), Hang Seng Bank, Royal
Bank of Canada
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Typically, the banks categorizes loans as a personal and business. Personal Loan
Personal Cash Car Education Property Investment
Business Loan Overdraft (Cash) Business Properties Equity (working capital) Commercial Equipment
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DBS Bank Founded in 1968 1 of Asia's largest financial services
groups Operating Income of SGD 6031 millions Well-capitalised bank with "AA-" and
"Aa1" credit ratings Present in 15 countries mainly in Asia Employees of 14,000 More than 200 branches across 50 cities Serving over 4 million customers Earned “Safest Bank in Asia” accolade
in 2009,2010,2011
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Consumer Banking Treasury and
markets Asset management Securities
brokerage, Equity and debt
fund-raising
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