PD-1.3.7

The following information should be included:

(a) Discussion of the main factors that influenced the bank's financial performance for the year, explaining any differences in performance between the current year and previous years and the reasons for such differences, and discussing factors that will have a significant influence on the bank's future financial performance;
(b) Basic quantitative indicators of financial performance (e.g. ROAE, ROAA, NIM, cost-to-income ratios) for the past 5 years;
(c) A discussion of the impact of acquisitions of new businesses and discontinued business and unusual items; and
(d) A discussion of any changes in the capital structure and their possible impact on earnings and dividends.
Amended: April 2011
Amended October 2010
April 2008