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Five-Year Summary
| Group |
2013 |
2012 |
2011 |
2010 |
2009 |
| Selected income statement items ($ millions) |
|
|
|
|
|
| Total income |
8,927 |
8,064 |
7,631 |
7,066 |
6,603 |
| Profit before allowances |
5,009 |
4,450 |
4,328 |
4,141 |
3,999 |
| Allowances |
770 |
417 |
722 |
911 |
1,529 |
| Profit before tax |
4,318 |
4,157 |
3,733 |
3,332 |
2,536 |
| Net profit excluding one-time items and goodwill charges |
3,501 |
3,359 |
3,035 |
2,650 |
2,064 |
| One-time items(1) |
171 |
450 |
– |
– |
(23) |
| Goodwill charges |
– |
– |
– |
1,018 |
– |
| Net profit |
3,672 |
3,809 |
3,035 |
1,632 |
2,041 |
| Selected balance sheet items ($ millions) |
|
|
|
|
|
| Total assets |
402,008 |
353,033 |
340,847 |
283,710 |
258,644 |
| Customer loans |
248,654 |
210,519 |
194,720 |
152,094 |
130,583 |
| Total liabilities |
364,322 |
317,035 |
307,778 |
250,608 |
229,145 |
| Customer deposits(2) |
292,365 |
253,464 |
225,346 |
193,692 |
183,432 |
| Total shareholders’ funds |
34,233 |
31,737 |
28,794 |
26,599 |
25,373 |
| Per ordinary share ($) |
|
|
|
|
|
| Earnings excluding one-time items and goodwill charges |
1.43 |
1.39 |
1.30 |
1.15 |
0.91 |
| Earnings |
1.50 |
1.57 |
1.30 |
0.70 |
0.90 |
| Net asset value |
13.61 |
12.96 |
11.99 |
11.25 |
10.85 |
| Dividends |
0.58 |
0.56 |
0.56 |
0.56 |
0.56 |
| Selected financial ratios (%) |
|
|
|
|
|
| Dividend cover for ordinary shares (number of times) |
2.58 |
2.79 |
2.28 |
1.25 |
1.57 |
| Net interest margin |
1.62 |
1.70 |
1.77 |
1.84 |
2.02 |
| Cost-to-income |
43.9 |
44.8 |
43.3 |
41.4 |
39.4 |
| Return on assets(3) |
0.91 |
0.97 |
0.97 |
0.98 |
0.80 |
| Return on shareholders’ funds (3)(4) |
10.8 |
11.2 |
11.0 |
10.2 |
8.4 |
| Loan/deposit ratio |
85.0 |
83.1 |
86.4 |
78.5 |
71.2 |
| Non-performing loan rate |
1.1 |
1.2 |
1.3 |
1.9 |
2.9 |
| Loss allowance coverage |
135 |
142 |
126 |
100 |
83 |
| Capital adequacy(5) |
|
|
|
|
|
| Common Equity Tier 1 – Transitional |
13.7 |
– |
– |
– |
– |
| Common Equity Tier 1 – Final |
11.9 |
– |
– |
– |
– |
| Tier I |
13.7 |
14.0 |
12.9 |
15.1 |
13.1 |
| Total |
16.3 |
17.1 |
15.8 |
18.4 |
16.7 |
| (1) |
One-time items include gains on sale of investments, impairment charges for investments, and an amount set aside to establish the DBS Foundation |
| (2) |
Includes deposits related to fund management activities of institutional investors from 2012 onwards. Prior to 2012, these deposits were classified as ”Due to Banks” |
| (3) |
Excluding one-time items and goodwill charges |
| (4) |
Calculated based on net profit attributable to the shareholders net of dividends on preference shares and other equity instruments. Non-controlling interests, preference shares and other equity instruments are not included as equity in the computation of return of equity |
| (5) |
With effect from 1 January 2013, Basel III capital adequacy requirements came into effect in Singapore. Changes due to Basel III affected both eligible capital and risk-weighted assets. Unless otherwise stated, capital adequacy disclosures relating to dates prior to 1 January 2013 are calculated in accordance with the then prevailing capital adequacy regulations and are thus not directly comparable to those pertaining to dates from 1 January 2013 |
