2000 : 42.5 2000 : 30.4 Cash ROA 201 Cash net profit attributable 265

4 Net interest margin 1.87 2000 : 2.02 NPLs 5.7 2000 : 6.2 conditions Cost-to-income a

49.1 2000 : 42.5

Non-interest income operating income

36.3 2000 : 30.4 Cash ROA

0.9 2000 : 1.3

Cash ROE 10.1 2000 : 12.9 Loan-to-deposit 63.9 2000 : 64.5 Cash EPS 89 cents 2000 : 113 cents a Exclude goodwill amortisation 5 S million S million Growth in operating profit offset by provisions Net interest income 2,039 2,257 10.7 Fees and commissions 509 639 25.7 Non-interest income 892 1,288 44.5 Total revenue 2,931 3,545 20.9 Staff costs 613 866 41.1 Other operating expenses 633 876 38.5 Operating expenses 1,246 1,742 39.8 Operating profit 1,685 1,804 7.0 Goodwill amortisation - 131 NM Provisions 54 379 606.2 Net profit attributable to members 1,389 999 28.1 Cash net profit attributable to members 1,389 1,131 18.6 Net interest income 2,039 2,257 10.7 Fees and commissions 509 639 25.7 Non-interest income 892 1,288 44.5 Total revenue 2,931 3,545 20.9 Staff costs 613 866 41.1 Other operating expenses 633 876 38.5 Operating expenses 1,246 1,742 39.8 Operating profit 1,685 1,804 7.0 Goodwill amortisation - 131 NM Provisions 54 379 606.2 Net profit attributable to members 1,389 999 28.1 Cash net profit attributable to members 1,389 1,131 18.6 2000 2001 Change 6 Other operating expenses 158 291 84.0 226 28.9 Operating expenses 311 523 67.8 470 11.2 Operating profit 408 450 10.3 574 21.6 Goodwill amortisation - 68 NM 64 6.7 Provisions 16 87 438.2 246 64.6 Net profit attributable to members 347 169

51.4 201

16.1 Cash net profit attributable

to members 347 237

31.9 265

10.6 Fees and commissions 117 214 83.2 174 23.0 income S million S million DBS 4Q00 DBS 4Q01 Change DBS 3Q01 Change Net interest income 480 707 47.3 588 20.2 Non-interest income 239 266 11.1 456 41.7 Total revenue 719 973 35.2 1,044 6.8 Staff costs 153 232 51.1 244 5.2 7 DBS half on half operating profit up 36.6 Net interest income Fees and commissions Non-interest income Total revenue Staff costs Other operating expenses Operating expenses Operating profit Goodwill amortisation Provisions Net profit attributable to members Cash net profit attributable to members S million S million 962 251 567 1,529 389 360 749 780 - 47 630 630 1H01 2H01 Change 1,295 388 721 2,017 476 476 952 1,065 131 332 370 501 34.7 54.9 27.2 31.9 22.1 32.4 27.1

36.6 NM