CONFIDENTIAL

THE EXCHANGE FUND

REPORT FOR THE YEAR ENDED 31 DECEMBER 1991

1.

The Fund's Balance Sheet as at 31 December 1991 and its

Income and Expenditure Account for the year are attached.

FOREIGN EXCHANGE MARKETS

2.

The US dollar recovered from its depressed state at the

end of 1990 and strengthened dramatically against most major

currencies in the early part of the year. Apart from some temporary

set-backs caused by threats of central bank intervention and

releases of poor US economic data, the dollar relentlessly pursued

its upward trend on the back of the Gulf victory and hopes of an

early economic recovery in the US. This lasted until July when

intervention by the Federal Reserve Bank, the

co-ordinated

Bundesbank, and a number of other European central banks surprised

the foreign exchange markets and brought about a big correction in

US dollar exchange rates.

3.

Thereafter, apart from a temporary sharp rise caused by

the Soviet coup in the middle of August, the dollar declined against

the European currencies for the rest of the year. The decline was

mainly due to substantial interest rate differentials and prospects

of further FED easing and Bundesbank rate hikes. Sterling, too

appreciated against the US dollar, but was weak within the ERM as

interest rates in the UK fell and there were worries over the coming

general election. In the meantime, the yen was also appreciating

against the dollar on account of Japan's widening trade surpluses

with the US and other countries.

CONFIDENTIAL

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