Financial statements 163
41 Liquidity Risk
41.1 Contractual maturity profile of assets and liabilities
The table below analyses assets and liabilities of the Group as at 31 December based on the remaining period as at balance sheet date to the contractual maturity date.
Less 1 week
More No
than 7 to 1
1 to 3 3 to 12
1 to 3 3 to 5
than 5 specific
In millions days
month months
months years
years years
maturity Total
2015
Cash and balances with central banks
14,209 1,064 595 1,935 1,026 –
– –
18,829
Government securities 544
334 2,328 4,535 12,089 4,338 10,333 – 34,501
and treasury bills Due from banks
19,276 3,020 5,799 9,511 381 298 –
– 38,285
Derivatives
a
23,631 – – – – – – – 23,631
Bank and corporate securities 117 241 988 5,148
13,384 9,083 8,034 3,078 40,073
Loans and advances 24,711 36,063 28,343 45,259 51,893 34,646 62,374
– 283,289
to customers Other assets
5,874 949 1,435 1,421 1,211 14
12 646 11,562
Associates – – – – – – –
1,000 1,000
Properties and other fixed assets – – – – – – –
1,547 1,547
Goodwill and intangibles – – – – – – –
5,117 5,117
Total assets 88,362 41,671 39,488 67,809 79,984 48,379 80,753 11,388
457,834
Due to banks 13,575
2,634 1,835 98 36 73 – –
18,251
Deposits and balances 218,063 42,716 34,018 23,237 1,278
170 652
– 320,134
from customers Derivatives
a
22,145 – – – – – – – 22,145
Other liabilities 4,226 1,189 1,670 2,037 931
16 19 2,316
12,404
Other debt securities 1,765 6,622
13,278 5,174 5,195 4,022 2,022 –
38,078
Subordinated term debts –
613 – – – – 3,413 –
4,026
Total liabilities 259,774
53,774 50,801
30,546 7,440 4,281 6,106 2,316 415,038
Non-controlling interests – – – – – – –
2,422 2,422
Shareholders’ funds – – – – – – –
40,374 40,374
Total equity – – – – – – –
42,796 42,796
DBS Annual Report 2015 164
Less 1 week
More No
than 7 to 1
1 to 3 3 to 12
1 to 3 3 to 5
than 5 specific
In millions days
month months
months years
years years
maturity Total
2014
Cash and
balances 11,675 1,894 2,742 2,152 1,054
– –
– 19,517
with central banks Government
securities 67 746 2,595 4,690
11,266 2,312 8,018 –
29,694 and treasury bills
Due from
banks 14,685
4,865 11,321
10,974 418 – – –
42,263 Derivatives
a
16,995 – – – – – – – 16,995
Bank and
corporate securities
61 457 2,981 5,186 10,376 8,262 8,201 2,239
37,763 Loans
and advances
20,650 34,324 31,291 48,010 54,794 30,244 56,275 –
275,588 to customers
Other assets
5,253 490 790 3,505 486
4 – 721
11,249 Associates
– – – – – – – 995
995 Properties
and other
fixed assets
– – – – – – – 1,485
1,485 Goodwill
and intangibles
– – – – – – – 5,117
5,117 Total
assets 69,386 42,776 51,720 74,517 78,394 40,822 72,494 10,557
440,666 Due
to banks
10,205 3,401
2,501 3 66 – – –
16,176 Deposits
and balances
207,405 49,032 32,720 25,279 2,429 19
289 –
317,173 from customers
Derivatives
a
18,755 – – – – – – – 18,755
Other liabilities
2,548 522 2,478
3,942 517 227 207 1,287
11,728 Other
debt securities
37 2,569 9,236 11,351 3,602 3,495 1,673
– 31,963
Subordinated term
debts –
726 – – – – 3,939 –
4,665 Total
liabilities 238,950
56,250 46,935
40,575 6,614 3,741 6,108 1,287 400,460
,
Non-controlling interests
– – – – – – – 2,498
2,498 Shareholders’
funds – – – – – – –
37,708 37,708
Total equity
– – – – – – – 40,206
40,206
a Derivatives financial assets and liabilities are included in the “Less than 7 days” bucket as they are mainly held for trading. Refer to the table in
Note 41.2 on cash flows associated with these derivatives
The above table includes disclosure of the contractual maturity of financial liabilities, which approximates the same analysis on an undiscounted basis as total future interest payments are not material relative to the principal amounts. Assets and liabilities including non-maturing savings
current deposits are represented on a contractual basis or in a period when it can legally be withdrawn. On a behavioural basis for liquidity risk analysis, the assets and liabilities cash flows may differ from the contractual basis.
Financial statements 165
41.2 Derivatives
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