CONFIDENTIAL

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16. CONTINGENCY RESERVE ACCOUNT

Balance brought forward

Note

1991 HK$ 000

1990 HK$ '000

378,147

510,001

(378,147)

(131,854)

378,147

Transfer to Accumulated

Surplus Account

13

Balance carried forward

PRE SER FOR SURE FOR FOR DE SUE

A contingency reserve of $3,500 million was provided against contingent liabilities arising out of a guarantee given pursuant

to section 3(1) of the Exchange Fund Ordinance to the China

International Trust and Investment Corporation (CITIC) in

connection with the Corporation's capital injection into The Ka

Wah Bank Limited. Up to 31 December 1990, $3,121.9 million of the contingency reserve had been utilized to pay CITIC/The Ka Wah

Bank Limited for the purchase of non-performing loans under the

guarantee and for claims of net worth deficiency in respect of

irrecoverable rental deposits. In light of the recent judgement

award (of about $110 million) to Ka Wah Bank against the Low

Brothers, and the estimated amount of injuncted assets both in

Hong Kong and Malaysia, it is anticipated that there will be

substantial recoveries which would be more than sufficient to

cover all outstanding claims and any contingent liabilities. Accordingly, the remaining balance of $378.1 million has been

written back.

In September 1991, the New York Court granted a motion to

dismiss, on "forum non-conveniens" grounds, the action filed by

the Royal Bank of Canada and PNC International Finance (Asia)

Limited (the Banks) in respect

in respect of Hang Lung Bank's alleged

involvement with Dollar Credit & Financing Limited in

check-kiting schemes. An appeal filed by the Banks against the

decision was also dismissed by the New York Court in

February 1992. Meanwhile, the Banks have commenced proceedings

in Hong Kong for which government is also responsible.

Government's legal advice, however, remains that the chance of

the Banks succeeding in their claims is not high. In the

circumstances, it has not been felt necessary to set aside any

funds in respect of the claim at this stage.

CONFIDENTIAL

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