1. Information Technology and Procedures Division Officer Trainee

2. Background of Hang Seng Bank 1933 Hang Seng Ngan Ho Over 75 Years Hang Seng Index Pioneer in operating branches in MTR station Background of Hang Seng Bank

3. We have 91 Branches 52 MTR Station Office 10 Automated Banking Centre Staff 8000 Staff Serving more than 1/3 Hong Kong Population

4. Our Business Retail Banking Insurance Group Investment Services Private Banking Business Banking Commercial Banking Corporate Banking Treasury China Business

5. Achievement 2007 Interim result Earning per share 1 H 3.24 4.64 +43.2% HK$ 06 07

6. Achievement 2007 Interim result Attributable Profit 1 H 6,190 8,867 +43.2% HK$ Mn 06 07

7. Achievement 2007 Interim result Operating profit 1 H 6,353 7,773+22.4% HK$ Mn 06 07

8. Information Technology & Procedures Division E-Banking IT Planning & Finance IT Security & Technology Risk Management Systems Implementation and Procedures EDP DevelopmentEDP Operations

9. E-Banking Define and develop e-enabled solutions Drive the online sales Monitor functions and services delivered through e-channels

10. IT Planning and Finance IT recruitment IT training Management reporting Cost management

11. IT Security and Technology Risk Management Implement the Group IT Security policies and standards Exploit IT security techniques

12. EDP Operations Computer services Communication networking Cable services Purchasing

13. Systems Implementation and Procedures Internal consultancy services –Operations research –Process re-engineering –Fraud prevention, investigation and control Coordination between business units and IT

14. EDP Development Provide quality information technology services Identify and develop IT systems based on evolving technology

15. Officer Trainee Mission: –Customer Services –Quality –Productivity

16. Officer Trainee Career Opportunities: 1.EDP Development – IT Officer Duties –Programming –System documentation –System analysis & design –System testing –Problem diagnosis –Post implementation support 2.Systems Implementation & Procedures – Project Officer Duties –Operations efficiency enhancements –Business process analysis/review –Productivity improvement –Projects/Systems implementation

17. Officer Trainee Career Path: 1.EDP Development – IT Officer 2.Systems Implementation & Procedures – Project Officer 1.EDP Development – IT Officer 2.Systems Implementation & Procedures – Project Officer IT Developer Sr. SA / Asst. IT Project Manager IT Project Manager / IT Development Manager Manager, IT Development & Consulting Project Officer Senior Project Officer / Asst. Project Manager Project Manager Manager, Systems Implementation & Procedures

18. Officer Trainee Selection Process: –Aptitude Test –Written Test –Panel Interview –Group Exercise

19. Training & Development Programme Orientation (2 weeks) Bank product knowledge Technical skill Self-improvement skill Interpersonal skill

20. Monthly income $14,730 pm 18 days annual leave Variable bonus Low interest mortgage loan (P - 4.5%, min 2%) Retirement benefits scheme Medical benefits Remuneration Package Even in the first year, you can borrow nearly 2MM (repayment as 50% of his salary) and own a house!

21. Sharing from Manager and staff

22. Johnny Hui System Analyst Major Subject studied at University : Information Engineering Major Projects Involved and Achievements in Hang Seng: Personal Internet Banking (P2G) Mobile Trading

23. Francis Lee Major Subject studied at University : Physics (Minor : Computer Science) Major Projects Involved and Achievements in Hang Seng: Treasury Hang Seng Index Hang Seng (China) Senior IT Development & Consulting Manager

24. Officer Trainee Application: –e-Application form available at www.hangseng.com www.hangseng.com –Application Period: 8 January – 6 February 2008

29. Questions & Answers

30. Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. Hang Seng Bank accepts no liability whatsoever with respect to the use of this document or its content.