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Monday, 16 September 2013

OCBC one of World's strongest bank 华侨银行全球最强银行之一


OCBC Bank has been named by a leading financial magazine as the world's strongest bank for 2 consequentive year until 2011 and rank second in 2012 World Strongest bank by Bloomberg.


OCBC, Singapore's second largest lender, emerged tops from a pool of 78 global banks with total assets of US$100 billion (S$126 billion) or more as of mid-March.

  OCBC CEO Samuel Tsien said in a release, crediting the bank’s strength partly to its "disciplined" credit management practices and "robust" risk management capabilities.

He added: 'The solid foundation that we have established puts us in good stead to reach an even higher level of accomplishment.'


Bloomberg Markets ranked the banks based on five criteria, the most important being the Tier 1 capital ratio, which accounts for 40 per cent of the score.


This ratio is a core measure of a bank's financial strength.





The other criteria were the ratio of non-performing assets to total assets, ratio of reserves for loan losses to non-performing assets, ratio of deposits to funding, and 'efficiency' ratio.


These measure the prudence of a bank's lending policies, and how conservative a bank is in setting aside funds for bad loans.


Phillip Securities Research banking analyst Ken Ang noted OCBC had the highest Tier 1 ratio at 14.5 per cent, followed by UOB (13.5 per cent) and DBS (12.9 per cent). Also, OCBC had the lowest non-performing loans ratio - the ratio of loans in default or close to being in default to the bank's total loans.

Mr Ang said: 'DBS and UOB may have slipped due to factors such as a year-on-year decrease in Tier 1 capital ratios. This is however not a cause for concern as current levels are healthy and meet requirements set by both Basel III and the MAS (Monetary Authority of Singapore).'
 
 
The Lee Family

THE Lee family is the largest shareholder of OCBC and a regular fixture on the Forbes rich list with a fortune previously estimated at US$3 billion (S$4.3 billion). The foundations of the family's fortune were laid with Mr Lee Kong Chian, the father of current OCBC director Lee Seng Wee. Mr Lee Kong Chian hailed from Fujian province, China, arriving here in 1903 at the age of 10. He was talent-spotted by famous rubber tycoon Tan Kah Kee. One of the richest men in Asia, Mr Tan wanted to expand his rubber business overseas and hired Mr Lee as his manager, mainly because of his grasp of the English language. Not only did Mr Lee land the job, he also eventually married Mr Tan's daughter, Ai Lay. The Great Depression gave the financially conservative Mr Lee the chance to buy acres of rubber land at rock-bottom prices. With the wealth he made from rubber, he expanded into pineapples, coconut oil, saw mills and biscuits. But other than being the 'Rubber and Pineapple King', he was behind the creation of what is now known as OCBC. Facing a banking crisis, three banks - Oversea-Chinese Bank, Ho Hong Bank and Chinese Commercial Bank - merged to form the Oversea-Chinese Banking Corporation, the largest bank in Singapore then. Mr Lee was seen as the merger's chief architect. He became OCBC's vice-chairman, then chairman in 1938 - a post he held until just before his death in 1967. But while he was a banker and a rich businessman, he gave back generously to society. In 1952, he founded the Lee Foundation, leaving it as much as half his fortune. Mr Lee had three sons and three daughters. His youngest son Seng Wee, 82, is a director at OCBC. Second son Seng Tee handles the rubber businesses while eldest son Seng Gee, 91, is chairman of the Lee Foundation. The three daughters are Siok Kheng, Siok Tin and Siok Chee.
 





 
Lee Seng Wee is a Singaporean billionaire, having a net worth of US$1.9 billion in 2004. He is the third son of Lee Kong Chian. He studied at the University of Toronto and the University of Western Ontario, where he received a master's degree.

The low-profile Lee family originally made its fortune in agriculture, but these days most of its fortune is in Oversea-Chinese Bank, one of the three biggest local banks in Singapore. The family also runs a major foundation, the Lee Foundation, which supports an opera troupe, among other things.
 
 Lee Seng Wee gets his fortune mainly from stake in Oversea-Chinese Banking Corp, which he used to chair until 2003. Continues to sit on its board, along with son Tih-Shih, a Yale grad and associate professor at Duke University School of Medicine. Other interests include property firm Bukit Sembawang Estates. He recently retired from the board of life insurer Great Eastern Holdings.
 
 
 

  






 


 


华侨银行全球最强银行之一


《彭博市场》杂志“2013年全球最强银行”排行榜,连续两年夺得第一的新加坡华侨银行(OCBC)今年滑落第二,将第一宝座让位予卡塔尔国家银行(Qatar National Bank)。
卡塔尔国家银行是中东最大银行,也是当地获利能力最高的银行之一。

新加坡华侨银行此次之所以拔得头筹,主要是该行致力于将资产规模控制得比其他银行都要好。该行在中国、印尼、马来西亚等地都有很强的市场占有率。


《彭博市场》第三年推出全球最强银行排行榜,加拿大业者在20强中占了四分之一,但名次普遍较去年低,受限于经济增长缓慢和房产领域风险提高,该国银行界亦遭受评级下调的厄运。

花旗美国第一

值得注意的是,花旗集团(Citi)超越JP摩根成为美国最强银行,在全球排行榜中名列第9。

区域排名方面,欧盟5大银行中前三名来自瑞典,而巴西共有4家银行称霸南美洲最强银行排行榜。

狮城3银行入10强

作为亚洲主要金融据点的新加坡表现不俗,共有3家银行入榜,且都在10强内,其中星展银行(DBS)和大华银行(UOB)分居第5和第6位。

另外,中国和香港合计共4家银行入榜,分别为中国建设银行、中国工商银行、中国交通银行和香港恒生银行。

这项排行榜评比标准包含一级资本适足率、不良资产、呆账拨备金、贷存款资金和银行效率,并以2012财年为基准。

截至今年3月31日未公布2012财年数据、蒙受净亏损和无法通过联储局压力测试银行均不在评比范围内。
 
 
华侨银行是新加坡成立时间最早的本土银行,
上个世纪30年代,大萧条困扰全球经济。为摆脱持续的危机,华侨银行的三个前身华商银行、和丰银行和华侨银行,在华商银行副主席李光前的主导下,于1932年进行合并,成立新的华侨银行,运营至今。李光前先生是爱国华侨陈嘉庚的女婿,因热衷于慈善事业而备受尊敬,并被人们亲切地称为“华侨银行之父”。李光前1954年宣布退休,长子李成义继承南益集团总裁,次子李成智、三子李成伟分别继承黄梨与银行业。据估计,南益当时资金已高达3亿新币。
李成偉大學畢業於加拿大多伦多大学,並於西安大略大学取得碩士學位。他繼承父親李光前的金融事業,擔任新加坡第三大銀行华侨银行主席,並於2001年6月帶領銀行以24億美元收購新加坡第六大銀行吉寶資本控股Keppel Capital Holdings)。2003年不再擔任主席一職,改任非執行董事。
近几年来,李成伟家族所控制的王国已逐渐缩小,一个城池接一个城池地被攻下。先是百货业集团罗敏申(Robinson)落入了印尼的李棕家族手里,然后是拥有矿业、酒店和房地产业务的海峡商行(Straits Trading),落入了华侨银行前主席陈振传的孙女周玉琴手里。

目前,李氏家族虽然仍是维信集团(WBL)的最大股东,但从最近两次的股东大会结果可以看出这家公司的重大决策,无论是管理层的薪金奖励配套,还是主席人选,都已不再是李氏家族可以控制的。反而是持有少数股权的周玉琴家族、第三道管理和安本资产管理,已至少两次团结起来,站在一个阵线上操控全局。

  以此类推,处于维信集团下线的联合工程(United Engineers)的话语权到底掌握在谁手里,目前也很模糊。是不是还能算是李氏家族控制的公司,已非常值得商榷。

  李成伟家族一直都是新加坡影响力最大的家族之一,他们掌控的公司几乎遍布各行各业,有银行、保险、房地产、酒店、建筑、零售、汽车、电子制造、矿业、汽水、牛奶、啤酒、印刷等等。

  多个新加坡人引以为傲的品牌和地标,例如莱佛士酒店、罗敏申、虎牌啤酒、F&N饮品、时代书店(Times Bookstore)、辉盛服务公寓(Frasers Service Apartments)等,原本都掌握在这个家族手里。

  这个商业王国由本地早期富商李光前创立,并在他的接班人陈振传手里发扬光大。陈振传在管理华侨银行期间,凭借他与洋人的良好关系,收购了上述这些公司,并巧妙地将它们连贯起来,像蜘蛛网一样交叉控股,目的就是为了互相扶持,以防外人突袭掠夺。

经过海峡商行一役后,不少人以为李氏家族这次应该会极力抵御,以将星狮集团和亚太酿酒厂的控制权留在家族手里。不料,他们还是被再下一城,新加坡又有两家具标志性的公司将落入外国企业手里,令人扼腕。

  目前,这个家族手里仍确切掌控的应该只剩下华侨银行、大东方控股和万国(Bukit Sembawang)了。但是,他们近年来脱售其他公司的股份,套取了不少现金,却没有明显增持华侨银行、大东方控股和万国的股份。这不禁令人关注这几家广为新加坡人熟悉的公司,最终是不是也会易主,甚至是落入外国人手里?
当中最早 的成立于1912年。以资产规模来说,华侨银行目前是东南亚第二大的金融服务集团,也是世 界上最高度评价的银行之一,拥有穆迪Aa1级评级。并被《彭博市场》杂志评为?全球最强银行?。
华侨银行是亚洲领先的金融服务机构,历史可追溯到1912年,在新加坡和马来西亚共同的市场是最大的金融机构,目前包括在新马、印尼、越南、中国、香港、文莱、日本、澳大利亚、英国和美国有500多个分行和代表处,其中在马来西亚就有400多个分行和代表处。所提供的服务包括个人业务、公司业务、投资银行业务、私人银行以及交易银行业务、全球资金业务、资产管理以及股票经纪业务。

华侨银行在印度尼西亚的子公司OCBC NISP 的超过400 家分行和办事处。

华侨银行的附属公司 - 大东方控股(Great Eastern Holdings),从资产规模和市场占有率方 面都是新加坡和马来西亚最大的保险集团。其旗下的资产管理公司利安资金(Lion Global Investors)是东南亚最大的资产管理公司之一。私人银行服务则由子公司新加坡银行(Bank of Singapore)提供。在亚洲全球私人银行中,新加坡银行名列前五名。2010年1月29日宣佈,以約14.46億美元完成收購總部設在新加坡的ING亞洲私人銀行及附屬機構,並已經被重新命名為新加坡銀行有限公司(Bank of Singapore),而前稱新加坡銀行的旗下公司亦於同日易名為(Singapore Island Bank Limited)及以finatiQ之名提供服務。

 





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