5
DBS GROUP HOLDINGS LTD AND ITS SUBSIDIARY COMPANIES
Exhibit 3
Group Non-Performing Loans
3 0 0 0 6 0 0 0
9 0 0 0
J u n 9 8 D e c 9 8
J u n 9 9 D e c 9 9
J u n 0 0 D e c 0 0
J u n 0 1
D T D B D ao He n g
3 ,9 0 7 7 ,0 8 6
8 ,1 2 1 8 ,1 4 9
7 ,6 6 6 4 ,4 1 1
4 ,8 3 4
8 1 5 1 ,1 4 3
2 ,8 7 6
6.2 13.0
13.1 11.8
7.6 8.5
12.7
NBk NPLNBk Loans
Exhibit 4
Group Non-Performing Loans – by Loan Grading
2 0 0 0 4 0 0 0
6 0 0 0 D T D B
D a o H e n g D K O B
O t h e r s 5 R C
S p o r e
S u b s t a n d a rd D o u b tf u l
L o s s 1 , 6 1 0
6 2 4 3 1 8
3 2 3 8 1 5
1 , 1 4 3 4 , 8 3 4
T ota l
R C - R e g io n a l c o u n t r ie s
S m i l l i o n
Asset Quality
Excluding DHG, non-performing loans NPLs decreased 8.9 to S4,019 million at end-June
2001 as compared to end-December 2000. DHG’s NPLs amounted to S815 million.
Non-bank NPLs as a percentage of total non-bank
loans stood at 6.2, an improvement compared with 7.6 at end-December 2000, reflecting
DBSH’s aggressive management of its NPL portfolio across the region. Excluding DHG, non-
bank NPLs as a percentage of total non-bank loans would still have declined to 6.5.
Of the total S4,834 million in NPLs, 73 were in the substandard category and 63 were
secured by collateral.
Approximately 12 of the NPLs that had been classified as substandard were “performing”
NPLs. These loans were classified due to weak financials although debt servicing was still
current.
Exhibit 5
Group Cumulative Specific and General Provisions
1000 2000
3000 4000
5000
Jun 98 Dec 98
Jun 99 Dec 99
Jun 00 Dec 00
Jun 01 SP
GP S million
1,894
3,147 3,852
4,286 3,978
2,286 2,643
SP+GP Unsecured NPLs SP+GPNPLs
146.5 1 1 9 . 6
1 0 2 . 7 1 1 0 . 6
1 1 8 . 4 1 1 4 . 8
1 2 9 . 9 54.7
51.8 48.5
44.4 47.4
52.6 51.9
Cumulative Specific and General Provisions
Total cumulative specific and general provisions at end-June 2001 amounted to 146.5 of
unsecured NPLs, and 54.7 of total NPLs or 59.9 of total NPLs of S4,410 million under US
SEC guidelines.
Based on MAS guidelines, Group loan loss reserve coverage for DBS Thai Danu’s NPLs was
62.
S million
6
DBS GROUP HOLDINGS LTD AND ITS SUBSIDIARY COMPANIES
Table 5
Key Balance Sheet Items
S million Dec 31
2000 Jun 30
2000 Jun 30
2001 Change
yoy
Total Assets 111,228
107,552 156,497
48,945 Customer Loans and
Advances 52,024
52,429 69,617
17,188 Customer Deposits
80,720 80,400
114,851 34,451
Loan-to-Deposit Ratio
64.5 65.2
60.6
Balance Sheet
The consolidation of DHG contributed to the increase in DBSH Group assets. Total assets
were up 45.5 to S156 billion. Customer loans increased by 32.8 to S70 billion. Excluding
DHG, customer loans increased by S1 billion despite a weak loan market. Customer deposits
registered 42.8 increase or S34 billion to S115 billion. Excluding DHG, the increase was
S10 billion. This amount included a one-time placement of S5 billion from a customer, which
had the effect of bringing down the loan-to- deposit ratio to 60.6, as compared to 65.2 for
First Half 2000.
Table 6
Capital
S million Dec 31 2000
Jun 30 2001
Tier I 10,200
11,061 Tier II
3,211 5,007
Total Capital 13,411
16,069
Risk Weighted Assets, including Market Risks
70,963 91,972
Exhibit 6
Capital Adequacy Ratio CAR
13.6
2.0
14.6
1.2
15.7
3.5
14.4
4.5
12.0
5.5
5 10
15 20
1997 1998
1999 2000
Jun 01
Tie r I Tie r II
15.6 15.8
