Stronger recurring income offsets lower treasury income. DBS Group Holdings 3Q 2005 Financial Results. October 28, 2005
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1 Stronger recurring income offsets lower treasury income October 28, DBS Group Holdings 3Q Financial Results 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.
2 Third-quarter earnings up 28% ($ million) YoY % change Net profit (3Q) % Net profit (9M) 1,299 1,175 11% Results reflect work over three years to rebalance our asset book, to improve contribution from recurring businesses 2
3 Rebalanced asset composition, loan growth boost interest income to quarterly record; net interest margin highest in ten quarters Net interest income $ 728 million 12% Net interest margin 1.87%; highest in ten quarters 69,659 67,216 65, % or S$20.7billion (a) from December ,055 78,712 78,776 58,121 58,866 59,940 61,019 61,415 62,424 Dec 2002 Mar 2003 Jun 2003 Sep 2003 Dec 2003 Mar Jun Sep Dec Mar Jun Sep Loans exclude DBS Thai Danu loans in all comparative periods 3
4 Fee income up 6% from a year ago, up 4% from the nine-month period last year Third quarter $ 266 million 6% Nine-month $ 810 million 4% , Q 2Q 3Q 4Q 1Q 2Q 3Q 4
5 Growth in higher-return consumer, SME businesses across the region Net profit Consumer, SME $ 232 million 15% Consumer $ 149 million 25% SME $ 83 million 1% Consumer, SME together accounted for 52% of DBS total net profit 5
6 Asset quality among the best in Asia Asset quality one of the best among Asian banks 2.0% NPL rate 97% Provision coverage 6
7 Policy of sustainable, progressively increasing dividends Total dividends of 41 cents per share for Nine Months, compared to 40 cents per share for full year Dividend policy reflects our confidence in our earnings prospects and in our ability to fund future growth and expansion through our strong capital base 7
8 Stronger recurring income offsets lower treasury income October 28, DBS Group Holdings 3Q Financial Results 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.
9 Interest and fee income rise on year, but operating profits dampened by treasury (S$m) 3Q 3Q % change 2Q % change Net interest income Non-interest income (21) 397 (12) Operating income 1,079 1,098 (2) 1,092 (1) Staff costs Other operating expenses Operating expenses Operating profit (8) 592 (7) Provisions 4 28 (86) 81 (95) Net profit before goodwill (3) Goodwill amortisation nm - nm Net profit
10 Lower 9M operating profit as market-related income declines (S$m) 9M 9M a % change Net interest income 2,093 1,951 7 Non-interest income 1,156 1,492 (23) Operating income 3,249 3,443 (6) Staff costs Other operating expenses (1) Operating expenses 1,540 1,513 2 Operating profit 1,709 1,930 (11) Provisions Net profit before goodwill 1,299 1,505 (14) Goodwill amortisation nm Net profit 1,299 1, (a) Excluding one-time gains of $497m 10
11 Key ratios mixed as non-interest income contributions fall (%) 3Q 2Q 3Q 9M 9M a Net interest margin Non-interest income/total income Cost/income ROE Loans/deposits Loan + non-trading debt securities/ deposits NPL ratio (a) Excluding one-time gains of $497m 11
12 Interest income at quarterly record, boosted by higher loans and margins (S$m) Net interest margin (%) 2,678 2,405 2, , M 1Q 2Q 3Q 4Q 1Q 2Q 3Q 12
13 Loans expand 17% on year, improving asset mix (S$m) DTDB loans 2,915 2% 2,915 4% 65,048 3% 67,216 4% 69,659 2% 11% 71,055 78,712 78,776 0% 61,415 62,424 Dec Mar Jun Sep Dec Mar Jun Sep
14 Fees from most annuity businesses rise on year (S$m) 1,518 a 1,840 1,882 1, b 58 Fee income Dividend and rental Other income Non-interest income / total income (%) a b , b b M 1Q 2Q 3Q 4Q 1Q 2Q 3Q (a) Excluding one-time gains of $96m (b) Excluding one-time gains of $497m 14
15 Wealth management revenues lower on year (S$m) 9,006 9,242 Structured deposits Bancassurance Unit trusts 7,227 5,908 5,967 3, ,766 2,545 2, ,732 1,838 2,065 1,863 2, ,526 2,905 1,578 2, , ,157 1,245 1, , M 1Q 2Q 3Q 4Q 1Q 2Q 3Q Sales (all products) S pore 4,162 3,874 2,885 1, , ,128 HK 4,844 5,368 3,083 1,522 1,175 1,517 1,154 1,102 1, Fees (unit trusts and bancassurance only) S pore + HK
16 Operating costs rise, 9M cost-income ratio within target range (S$m) Cost/Income (%) 2,056 1,875 1, , a b b M 1Q 2Q 3Q 4Q 1Q 2Q 3Q Annualised cost / average assets (%) Headcount c 12,035 12,144 11,454 12,562 12,173 10,838 11,083 11,454 11,649 12,090 12,562 Staff costs (S$m) (a) Excluding one-time gains of $96m (b) Excluding one-time gains of $497m (c) At period end 16
17 Higher-return Consumer and Enterprise Banking account for 54% of operating profit (S$m) 3Q 3Q Change 2Q Change Consumer Banking (20) Enterprise Banking (8) Corporate and Investment Banking (20) 153 (59) Global Financial Markets (98) 49 (2) Central Treasury Unit (10) 47 8 Central Operations a 57 (28) Total (45) 592 (42) (a) Comprising Private Banking, Asset Management and other subsidiaries and associates 17
18 Hong Kong s operating profit improves 9% on quarter (S$m) 3Q 3Q % 2Q % change change Net interest income Non-interest income Operating income Operating expenses Operating profit Provisions (34) (5) 10 (17) (68) (3) Net profit after tax (14) Figures on Hong Kong geographical basis and converted to S$ using monthly closing rates. Based on Singapore GAAP 18
19 Hong Kong s 9M performance lower as operating income falls (S$m) 9M 9M % Change Net interest income (2) Non-interest income (30) Operating income 929 1,053 (12) Operating expenses Operating profit (25) Provisions (75) Net profit after tax (20) Figures on Hong Kong geographical basis and converted to S$ using monthly closing rates. Based on Singapore GAAP 19
20 Hong Kong ratios generally better on quarter, lower on year (%) 3Q 2Q 3Q 9M 9M Net interest margin Non-interest income/total income Cost/income ROA Loans/deposits
21 Strong organic regional growth through branch network India Assets $963 m 356% Branches 2 (Mumbai, New Delhi) Beijing Shanghai Seoul Tokyo Hong Kong Taipei Mainland China Assets $5,247 m 27% Mumbai Yangon Bangkok Manila Branches 4 (Beijing, Guangzhou, Shanghai, Shenzhen) Rep offices 3 (Dongguan, Fuzhou, Kuala Lumpur Labuan Tianjin) Indonesia a Singapore Assets $1,592 m 100% Branches 5 (Jakarta, Medan, Bandung, Semarang, Surabaya) Jakarta Assets as at September 30,. Growth rates are year-on-year (a) DBS Indonesia, DBS majority-owned subsidiary 21
22 Investment banking activity in 3Q05 Mumbai Beijing Shanghai Hong Kong Yangon Bangkok Labuan Kuala Lumpur Seoul Tokyo Taipei Manila Singapore Hong Kong Land (S$700 million bond issue, joint lead manager and underwriter together with HSBC) Tech Semicon (US$400 million syndicated term loan, mandated lead arranger and bookrunner) PSA Corp Ltd (S$500 million bond issue, sole lead manager) CapitalMall Trust (S$400 million secondary funds raising exercise, joint lead manager and underwriter) Greater China Fortune REIT (US$307 million CMBS issue for secondary offering of Fortune REIT, joint lead manager) Formosa Plastics Group Ningbo IV Project (US$289 million syndicated loan, lead arranger) Sinopec (US$150 million 5 year-bullet loan, coordination arranger) Singapore Jakarta India Bharti Televentures Limited (US$225 million syndicated loan facility, mandated lead arranger) Hindustan Petroleum Corp Ltd (US$200 million syndicated term loan in JPY, mandated lead arranger and bookrunner) Thailand Central Patanna (US$292 million CPRN Retail Growth Property Fund, joint financial advisor and joint bookrunner) Thai Olefin Ltd (US$135 million syndicated term loan facility, mandated lead arranger and bookrunner) 22
23 NPL rate falls to 2.0% (S$m) Substandard Doubtful Loss NPL rate (%) 4,224 74% 3, , % 1,919 75% 2,182 1,934 1,919 1,928 1,896 1,807 71% 72% 70% 71% 72% 71% 68% 6% 20% 5% 22% 9% 20% 6% 19% 9% 19% 9% 21% 9% 20% 9% 19% 11% 18% 14% 18% Mar Jun Sep Dec Mar Jun Sep 23
24 NPLs decline as recoveries exceed additions (S$m) 3Q 3Q 2Q NPLs at start of period 1,896 2,182 1,928 New NPLs Net recoveries of existing NPLs (225) (283) (194) Write-offs (44) (79) (62) NPLs at end of period 1,807 1,934 1,896 24
25 Specific provision charges for loans fall on quarter (S$m) Add charges for 3Q 3Q 2Q New NPLs Existing NPLs Subtract charges for Upgrading Settlements Recoveries Total SP charges (1) 51 25
26 Provision coverage reaches 97% (S$m) GP SP 2,500 2,387 2, ,064 1,701 1,072 1,819 1,752 1,701 1,736 1,784 1,757 1,015 1,025 1,037 1,015 1,036 1,068 1,031 1,511 1, , Mar Jun Sep Dec Mar Jun Sep Coverage ratios (%) SP+GP / Unsec NPLs SP+GP / NPLs 59 63`
27 CAR unchanged on quarter (%) Tier 2 Tier Mar Jun Sep Dec Mar Jun Sep (S$bn) Tier-1 capital RWA capital ratios based on MAS framework. Earlier periods based on BIS guidelines 27
28 9M dividend rate exceeds full-year (S ) Final Interim Quarterly M 28
29 Stronger recurring income offsets lower treasury income October 28, DBS Group Holdings 3Q Financial Results 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.
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