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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.





《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)。










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。


  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。


  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。



  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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