Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or
Strong earnings demonstrate
resilience of our franchise
DBS Group Holdings
2Q 2013 financial results
Agenda
Franchise Development
Danamon Transaction
Interest Rate Outlook and Impact
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
Record 1H13 net profit at
$1,837m
(a)
1H13 ROE at
11.6%
vs 11.2% in FY 2012
1,066 1,067 1,079 1,106 1,122 1,199 1,214 1,290 1,336 1,324 1,332 1,293 1,327 1,382
647 748 730 623 787 639 754
626 820 621 672 666
990 927
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13
Record 1H2013 earnings
Income (S$m)
2,156
1,909 1,838 1,968 1,916
1,729
1,809
1,815
1,713
1,945
2,004
Net interest income Non interest income
1,959
2,317
(a) Excludes one-time items
2,309
At record levels
253
320
337
348
1Q10
2Q10
3Q10
4Q10
1Q11
2Q11
3Q11
4Q11
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
2Q13 income at record
Income (S$m)
SME
RECORD HIGH
122
195
230
229
1Q10
2Q10
3Q10
4Q10
1Q11
2Q11
3Q11
4Q11
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
Strong traction
Income (S$m)
Wealth Management
91
110
122
122
1Q10
2Q10
3Q10
4Q10
1Q11
2Q11
3Q11
4Q11
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
Total earning assets (S$b)
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13
Cash
Trade
(a) Includes bank exposures and loans of financial institutions
165
Income (S$m)
53
58
59
84
95
109
1Q10 2Q10 3Q10 4Q10 1Q11 2Q11 3Q11 4Q11 1Q12 2Q12 3Q12 4Q12 1Q13 2Q13
Loans
Deposits
125
244
296
282
1Q10
2Q10
3Q10
4Q10
1Q11
2Q11
3Q11
4Q11
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
Continued momentum
Customer Income (S$m)
Treasury customer flows
1,026
1,156
1,449
1,369
1Q10
2Q10
3Q10
4Q10
1Q11
2Q11
3Q11
4Q11
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
Continued momentum
Income (S$m)
367
379
474
524
1Q10
2Q10
3Q10
4Q10
1Q11
2Q11
3Q11
4Q11
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
Income (S$m)
RECORD HIGH2Q13 income at record
1Q12
2Q12
3Q12
4Q12
1Q13
2Q13
Indonesia
Taiwan
India
China
Other geographies
Income (S$m)
Danamon Transaction
Interest Rate Outlook and Impact
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
Disclaimer: The information contained in this document is intended only for use during the presentation and should not be disseminated or
Strong earnings demonstrate
resilience of our franchise
DBS Group Holdings
