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DBS Bank Annual Report 1998

Performance at a Glance

Financial Highlights

Letter to Shareholders

Corporate Governance

Operations Review

Financial Report



Financial Highlights (pt 6)
Group Cumulative Specific & General Provisions as Percentage of Unsecured NPLs
  Cumulative General Provisions

  Cumulative Specific Provisions

   Cumulative Provisions as % of Unsecured NPLs 

1998: 103% (-62 percentage points) 
1997: 165%

Unsecured NPLs were fully covered by cumulative provisions at year end 1998.


Group Regional Exposure & Regional Exposure as Percentage of Total Assets

   TDB Regional Exposure 

   Regional Exposure
       excluding TDB 
1998: S$9.8 billion 
(including TDB) 
: S$3.9 billion 
(excluding TDB) (-36.7%) 
1997: S$6.1 billion

Excluding TDB, the Group's exposure to the Regional Countries declined by S$2.3 billion or 36.7%, at end-December 1998.
   Regional Exposure as % of
       Total Assets

1998: 9.9% (including TDB)
: 4.2% (excluding TDB)
(-5.2 percentage points)
1997: 9.4%

* Include POSBank's assets

Financial Highlights pt 1
Financial Highlights pt 2
Financial Highlights pt 3
Financial Highlights pt 4
Financial Highlights pt 5
Financial Highlights Pt 6
Group Regional Exposure at end 1998