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