NPA Sm
Cumulative general and specific allowances as of: NPA
Unsecured NPA 100
127 126
165 142
183
SPloans bp 43
11 10
9
1.9 1.3
1.2 1.2
1.2 1.2
2010 2011
2012 1Q
2Q 3Q
2,726 2,904
3,213
43 6
54 11
40 46
53 7
40
NPL ratio
90 days overdue 90 days overdue
Not overdue 2,767
43 13
44
3,054
142 187
21
42
50
136 192
15 2013
2,966
42 8
50
141 191
22
8
12.7 12.8
13.4 14.0
13.5 12.9
12.9 13.3
3.7 2.6
3.1 3.1
2.8 2.6
2.6 2.6
10
RWA Sbn 227
Tier 2
Jun 13 17.1
Tier 1
Final Corecommon equity T1 under:
Transitional 11.8
13.5
225 Jun 12
16.4
11.0 12.8
Mar 12
220 10.9
12.7 15.4
Sep 12
217 11.6
13.4 16.5
Dec 12
236 11.7
13.3 Basel III
Basel 2.5
15.9
Dec 12 pro forma
16.3
216 12.2
14.0 Total
15.5
Mar 13
240 11.3
12.9 Sep 13
15.5
243 11.3
12.9
11
Strong nine-month performance despite some external headwinds
Capital, liquidity and asset quality are healthy
Remain disciplined as we seek opportunities for growth
Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or distributed to parties outside the presentation. DBS Bank accepts no liability whatsoever with respect to the use of this document or its contents.
Supplementary slides
DBS Group Holdings 3Q 2013 financial results
November 1, 2013
13
Sm 9M
2013 9M
2012 YoY
Net interest income 4,115
3,992 3
Fee income
1,446 1,207
20 Trading income
932 555
68 Other income
283 351
19
Non-interest income 2,661
2,113 26
Total income 6,776
6,105 11
Staff expenses 1,538
1,433 7
Other expenses 1,350
1,238 9
Expenses 2,888
2,671 8
Profit before allowances 3,888
3,434 13
General allowances 280
164 71
Specific allowances 339
139 100
Allowances 619
303 100
Net profit 2,699
2,599 4
ROE 11.3
11.7 0.4 pt
14
Sm 3Q
2013 3Q
2012 YoY
2Q 2013
QoQ Net interest income
1,406 1,332
6 1,382
2
Fee income
462 422
9
477
3 Trading income
188 130
45 336
44 Other income
94 120
22 114
18
Non-interest income 744
672 11
927 20
Total income 2,150
2,004 7
2,309 7
Staff expenses 511
482 6
521 2
Other expenses 438
419 5
466 6
Expenses 949
901 5
987 4
Profit before allowances 1,201
1,103 9
1,322 9
General allowances 57
15 100
113 50
Specific allowances 94
40 100
132 29
Allowances 151
55 100
245 38
Net profit 862
856 1
887 3
ROE 10.5
11.2 0.7 pt
