RMBS Rating Methodology

1
Asia-Pacific Banking Outlook 2005

• Manggi Habir
• Director
• Financial Services Ratings
• Taipei
• November 18, 2004

2
Standard Poors

• A division of the McGraw-Hill Companies
• Over 140 years experience in providing
  independent financial information, analytical
  services and credit ratings to the worlds
  financial markets
• 5,000 employees (inc. 1,250 analysts) in 19
  countries
• Credit ratings on more than 10,000 entities
  worldwide

3
Asia-Pacific Network 2004
Standard Poors Offices Beijing Hong
Kong Melbourne Singapore Sydney Seoul Tokyo Standa
rd Poors Affiliates Jakarta PEFINDOMumbai
CRISIL Manila PhilRatings Taipei TRC
4
Agenda

• Asia-Pacific Banks Improving Trends - Ian
  Thompson
• Taiwan Banks Time to Change Gears - Mei Chiang
• Coffee Break
• HK Banks Improvements Challenges Ahead - Iris
  Chan
• China Banks An Improved Outlook - Ryan Tsang
• Question Answer