Download a complete set of the financials in pdf formats for your personal filings. By The Numbers (PDF: 331 KB) 1999 Financial Review. Bank Reserve Accounting (PDF: 126 KB) If you need to understand why banks focus so much on asset quality, provisioning, NPLs, recoveries and loan classifications, this is a great place to start. DBS and PricewaterhouseCoopers make some sense of it in this special section. Download Adobe Acrobat Reader (Free) if you are not able to read the PDF files.