2Q13 presentation slides strategy

Strong earnings demonstrate
resilience of our franchise
DBS Group Holdings
2Q 2013 financial results
August 1, 2013

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.

Agenda

Franchise Development

Danamon Transaction

Interest Rate Outlook and Impact

Credit Outlook and Impact

2

Record 1H2013 earnings


1H income at high of $4.6b

 Highest ever net interest income on the back of higher loan volumes

 Record non-interest income with broad-based growth; fee income at record

At record
levels

Income (S$m)

1,713

1,815

1,809 1,729

1,909

1,838 1,968

2,156
1,916
626

820

1,945 2,004

2,317

2,309

990

927

1,959

621

672

666

787

639

754

1,106

1,122

1,199

1,214

1,290

1,336

1,324

1,332

1,293

1,327

1,382

4Q10

1Q11

2Q11

3Q11

4Q11

1Q12

2Q12

3Q12

4Q12

1Q13

2Q13

Non interest
income

647

748

730

623

Net interest
income

1,066

1,067

1,079

1Q10

2Q10

3Q10

Record high

(a)



Record 1H13 net profit at $1,837m (a)



1H13 ROE at 11.6% vs 11.2% in FY 2012

Excludes one-time items
3

SME

2Q13 income at record
Income (S$m)

RECORD
HIGH

337

348

320
253

1Q10

2Q10

3Q10

4Q10

1Q11

2Q11

3Q11

4Q11

1Q12

2Q12

3Q12

4Q12

1Q13

2Q13

Large corporate bank income maintained at record levels

4

Wealth Management
Strong traction
Income (S$m)
230

229

1Q13

2Q13

122

122

1Q13

2Q13

195
122

1Q10

2Q10

3Q10

4Q10

1Q11

2Q11

3Q11

4Q11

1Q12

2Q12

3Q12

4Q12

Total earning assets (S$b)
110

91

1Q10

2Q10

3Q10

4Q10

1Q11

2Q11

3Q11

4Q11

1Q12

2Q12

3Q12

4Q12

Comprising Treasures, Treasures Private Client and Private Bank
5

GTS
Regained momentum
362

Income (S$m)

351

343

165

Cash
Trade

1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13

Deposit and loan growth (S$b)

95

84
Loans (a)

52

53

58

109
59

Deposits

14
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13

(a)

Includes bank exposures and loans of financial institutions
6

Treasury customer flows
Continued momentum
Customer Income (S$m)

296

282

244
125

1Q10

2Q10

3Q10

4Q10

1Q11

2Q11

3Q11

4Q11

1Q12

2Q12

3Q12

4Q12

1Q13

2Q13

1H13 customer income as % of total Treasury income at 49%

7

Singapore
Continued momentum
Income (S$m)

1,449
1,026

1Q10

1,369

1,156

2Q10

3Q10

4Q10

1Q11

2Q11

3Q11

4Q11

1Q12

2Q12

3Q12

4Q12

1Q13

2Q13

8

Hong Kong
2Q13 income at record
RECORD
HIGH

Income (S$m)

524
474
379

367

1Q10

2Q10

3Q10

4Q10

1Q11

2Q11

3Q11

4Q11

1Q12

2Q12

3Q12

4Q12

1Q13

2Q13

9

Other geographies
Regained momentum in regional markets
Income (S$m)

Indonesia
Taiwan
India
China

1Q12

2Q12

3Q12

4Q12

1Q13

2Q13

10

Danamon Transaction

Interest Rate Outlook and Impact

Credit Outlook and Impact

11

In summary

14 quarters of consistently strong earnings
Solid momentum, broad-based business growth
Continue to be vigilant and disciplined, some short-term
headwinds as credit costs rise
Strategy on course, well positioned to ride on Asia’s
growth prospects

12

Strong earnings demonstrate
resilience of our franchise
DBS Group Holdings
2Q 2013 financial results
August 1, 2013

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.