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Africa’s Silk Road China and india’s new eConomiC Frontier

The Group net interest margin at 2.2 per cent was marginally down from 2.3 per cent in 2009, reflecting the continuing low margins on liability products and also some pressure on asset margins in the latter half of 2010 as competition intensified. Non-interest income grew marginally by $65 million to $7,608 million but experienced a significant shift in mix. Net fees and commissions income.