S Dhanabalan
Mr Dhanabalan is Chairman of DBS Group Holdings Ltd and DBS Bank. He is a former Cabinet Minister of the Republic of Singapore and brings wide government and private-sector experience to the Group. As a Cabinet Minister for 16 years, he had held various portfolios including Foreign Affairs, National Development and Trade & Industry. Currently, Mr Dhanabalan also holds directorships in a number of companies including Temasek Holdings (Private) Ltd where he is the Chairman. He holds a Bachelor of Economics (Honours) from University of Malaya.

Philippe Paillart
Mr Paillart was appointed Chief Executive Officer of DBS Bank in January 2001. Previously, he was the Bank's Senior Managing Director and Head of the Consumer Banking Group. Prior to DBS Bank, he worked for Ford as Chairman, President and CEO of Ford Motor Credit Company and President of Ford Financial Services Group, for Standard Chartered Bank as Group Executive Director, and for Citibank as Vice President and General Manager of International Personal Banking for Europe, Middle East and Africa. Mr Paillart is a graduate of the Paris Business School (E.S.C.P.) and the University of Paris.

Jackson Tai
Mr Tai, 51, a United States citizen, completed 25 years of service with J.P. Morgan & Co. before joining DBS in 1999. Among his assignments at J.P. Morgan, Mr Tai was senior officer and head of investment banking for the Asia-Pacific region, based in Tokyo, and later senior officer and head of investment banking for the Western United States, based in San Francisco. Mr Tai is currently also a director of Singapore Telecommunications Ltd and CapitaLand Ltd. He holds a Bachelor of Science degree from Rensselaer Polytechnic Institute and a Master of Business Administration from Harvard University.

Ng Kee Choe
Mr Ng is Vice Chairman of DBS Bank. A career banker at DBS Bank, he was appointed Deputy President in 1994 and President and Chief Operating Officer in 1997. He is the Chairman of Singapore Power, Vice Chairman of the Institute of Banking & Finance and a Board Member of Singapore Airport Terminal Services Ltd, Wing Lung Bank Ltd and a Governor of the Singapore International Foundation. He is also a Member of the Singapore-US Business Council. Mr Ng holds a Bachelor of Science (Honours) degree from the University of Singapore. He was awarded the Public Service Star Award in August 2001.

Frank Wong
Mr Wong is Senior Managing Director, Member of Corporate Office and Head of DBS Bank's Treasury & Markets Group. He brings to the Bank over 30 years of experience in financial markets, having worked in Hong Kong, Frankfurt, London and Singapore. Mr Wong worked for Citibank, JP Morgan Inc and NatWest Markets before joining DBS. Before his appointment with DBS Bank, he was Chief Executive of National Westminster Bank in Hong Kong and its Regional Managing Director for Asia-Pacific. Mr Wong is also a Director of DBS Kwong On Bank, Dao Heng Bank and Bank of the Philippine Islands.

Eric Ang
Mr Ang, who joined DBS Bank in 1978, is currently Managing Director and Joint Head for the Investment Banking Group responsible for Debt Capital Markets, Equity Capital Markets, Private Equity and Syndicated Finance. He was appointed Senior Vice President for Corporate Finance in 1990 and Executive Vice President for Investment Banking in 1996. He graduated from the University of Singapore with a Bachelor of Business Administration (Honours).

Chan Tak Kin
Mr Chan joined DBS Bank in 2000 as a Managing Director and was seconded to Dao Heng Bank in September 2001 as Director & Executive Vice President. Prior to joining DBS, he held responsibility for key Group Consumer Banking businesses and functions of Standard Chartered Bank and was a member of Stancharts Extended Management Team, a committee of the top 30 executives worldwide. Mr Chan started his career with Chase Manhattan Bank where he worked for 15 years. He holds a B.A. (Honours) degree in Accounting and Economics from the University of Hong Kong and is an Associate of the London Institute of Bankers.

Chong Kie Cheong
Mr Chong is currently the Managing Director and Joint Head of Investment Banking Group. He joined DBS Bank in 1971 and has held a number of senior positions and directorships. He was appointed Executive Vice President for International & Correspondent Banking in 1994, Managing Director and Head for Institutional Banking in 1999. In the latter half of 1999, he was also appointed Managing Director and Head of the Bank's Regional Integration Centre, headquartered in Bangkok. When he returned to Singapore in 2001 he was appointed Finance Director. Mr Chong serves on the Boards of various DBS Banks overseas subsidiaries, including PT Bank DBS Indonesia and DBS Thai Danu Bank, where he is also the Chairman of the Executive Committee. He is also a Board Member of The Asian Bankers Association and DBS' representative on the Philippines Singapore Business Council. Mr Chong holds a Bachelor of Social Science (Economics) (Honours) from University of Singapore.

Elsie Foh
Mrs Foh is Managing Director & Head of Personal Banking in DBS Bank's Consumer Banking Group. She joined the Bank in 1974 and has held senior positions in areas of Branch Operations, International Banking, Bills & Remittances and Retail Banking. She was appointed Senior Vice President in 1990 and six years later, as Executive Vice President. Mrs Foh is a Board Member of The Commercial & Industrial Security Corporation and a Member of ABS Committee on Bye-Laws and Regulations. She holds a Bachelor of Science from University of Singapore.

Hong Tuck Kun
Mr Hong joined DBS Bank in 1975 and is currently Managing Director & Head for Enterprise Banking in the Consumer Banking Group. In 1990, he was appointed Senior Vice President for Corporate Banking, Credit Administration and Bills & Remittances. He became Executive Vice President in 1996 to provide leadership in Corporate Banking and Trade Services & Funds Transfer. Mr Hong is also a Member of ABS Committee on Credit. He holds a Bachelor of Business Administration from University of Singapore.

Steve Ingram
Mr Ingram is currently Managing Director & Group CIO for DBS Bank, responsible for the provision of IT services to DBS and its subsidiaries. Prior to joining the Bank in July 2000, Mr Ingram held CIO positions in both telecommunications and financial services companies. From 1991 to 1997, Mr Ingram was a partner in Ernst & Youngs U.S. consulting practice. During that time, he performed a number of roles, including Chief Technologist for the high-growth practice and Director of the Global Centre for Technology Enablement with responsibility for advanced development services and technology architecture for Ernst & Youngs major clients. Before joining the U.S. practice, Mr Ingram was a partner in the Ernst & Young Australian practice. During his career, Mr Ingram has worked on projects throughout the U.S., Europe, Australia and in Africa.

Edmund Koh
Mr Koh heads DBS?Consumer Banking Division. Before joining DBS, he was the CEO of Alverdine Pte Ltd, a joint venture bank between OCBC and ANZ Bank. Prior to this appointment, Mr Koh was CEO of Prudential Assurance Company, Singapore. Earlier in his career, he also held several senior management positions in HSBC and Citibank. Mr Koh is a Board member of Singapore Totalisator Board, Housing & Development Board, a Director of SNP Corporation Limited, DBS Vickers Securities Holdings Pte Ltd and DBS TD Waterhouse Holdings Pte Ltd.

David Lau
Mr Lau is Managing Director & Regional Head of Trading, Treasury & Markets. He was Managing Director and South East Asian Regional Head of NatWest Global Financial Markets before joining DBS Bank in 1999. Mr Lau has worked in the field of Treasury & Markets for over 16 years. From 1989 to 1995, he was the Regional Treasury Manager for the Canadian Imperial Bank of Commerce, Singapore. He holds an MBA and a Bachelor of Business Administration from University of Pennsylvania and University of Houston respectively.

Oon Kum Loon
Mrs Oon is Head & Managing Director of Group Risk at DBS. She joined the Bank in 1974 after obtaining an Honours degree in Business Administration from the University of Singapore. In her career in the Bank, she has led and managed a diverse range of portfolios, from Credit, Corporate Finance, Corporate Planning, Legal to Treasury. She was also previously Chairman of DBS Trading Private Limited and Director of Singapore International Monetary Exchange Limited. In her current capacity, she oversees DBS?enterprise-wide risk management covering credit, market and operational risk.

Rajan Raju
Mr Raju is DBS' Managing Director & Head of Processing and Services. He joined DBS in 1999 from Citibank, where he was Head of Citibank's Regional Foreign Exchange & Foreign Exchange Options Operations based in London. He had joined Citibank in 1990, and held positions in Citibank's India and European operations. Mr Raju graduated with a First Class degree in Economics from Bombay University. He holds a Masters in Business Administration from The Indian Institute of Management, Ahmedabad.

Seck Wai Kwong
Mr Seck is Head, Investment Products and Bancassurance Group of DBS Bank. The group's activities include DBS Asset Management, of which he is Chairman; third party investment products, including the billion-dollar Horizon/Eight programme, the single largest retail Investment Programme in Singapore which he pioneered with Frank Russell in 1999; and the bancassurance business partnership with CGNU, one of the largest UK-based insurance companies. Mr Seck was previously Co-Head of DBS' Investment Banking Group, which covers corporate banking, loan syndications, debt and equity capital markets, mergers & acquisitions, private equity and custody services. He was previously with Lehman Brothers and Government of Singapore Investment Corporation where he was Managing Director and Director respectively. A Colombo Plan Scholar, Mr Seck holds an MBA (Distinction) from Wharton School, University of Pennsylvania, USA and a Bachelor of Economics (1st Class Honours) from Monash University, Australia.

Greg Seow
Mr Seow is Executive Chairman of DBS Vickers Securities Group. He also chairs the Wealth Management Operating Committee in DBS Bank. Prior to his appointment at the Bank, he was Managing Partner of Pacific Asset Management, Singapore, and Director at the Government of Singapore Investment Corporation. Mr Seow sits on the board of several companies, including PSA Corporation and Singapore Land Authority, and is a member of the Financial Services Working Group, established as part of Singapore's Economic Review Committee. Mr Seow graduated from Australian National University with Master and Bachelor (1st Class Honours) degrees in Economics.

Randolph Sullivan
Mr Sullivan is the CEO of Dao Heng Bank Group Ltd. His 30 years of banking experience includes 16 years at Bank of America, during which he served in various positions across the globe before joining Dao Heng Bank in 1987 as Chief Operating Officer & Director. Mr Sullivan also serves as a member of the Hong Kong Deposit-Taking Companies Advisory Committee, and is also a member of the Standing Committee on Company Law Reform of the Hong Kong Special Administrative Region. An American, he holds a Bachelor of Science Foreign Service degree from Georgetown University. He also completed the Insead Executive Program of the Institute Europene D'Administration in Fontainebleau in 1980.