Fiscal year 2012

As Chairman of Orient Bank Limited, I am very pleased to be able to report, that despite a difficult macro-economic environment and serious challenges within the banking sector, the bank again registered a positive performance during the Financial Year (FY) 2012. And the Bank remains committed to build on this success during FY 2013, and by further refinement of the business model to continue to enhance the services we offer and value we provide for all our customers, employees and stakeholders.