Methodology

These rankings of Asian-Pacific banks were compiled by Moody’s Investors Service from commercial banks’ annual reports and financial statements.

Where possible, figures are presented for subsidiaries and branches.

Definitions Shareholder equity: the sum of issued common stock, capital surplus/premium, statutory reserve, legal reserve, revaluation reserve, contingency reserves, retained earnings, net profit for the year and minority interest. Where consolidated data are used, shareholder equity includes group equity attributable to minorities.

Total assets: as reported in financial statements

Net income: as reported in financial statements before appropriation

Return on equity, period-end: net income divided by equity at fiscal year end

Return on assets, period end: net income divided by total assets at fiscal year-end

Loans-deposits: net loans to customers as a percentage of customer deposits, at period end

Tier-1 ratio: as reported in financial statements

Moody’s ratings: Ratings on November 14 2005 on long-term deposits, short-term deposits, and financial strength respectively.