DBS Group Holdings Ltd · SGX:D05
DBS — FY2012 Earnings Presentation
9 slides from DBS's earnings presentation, Feb 6, 2013
Slide 1: Delivering value
Delivering value 6 February 2013 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 documen
Slide 2: Solid, consistent performance over the past 3 years
Solid, consistent performance over the past 3 years S$m 8,064 RECORD 7,631 HIGH 7,066 6,603 6,163 6,031 5,344 4,479 4,338 4,265 4,143 Income RECORD 3,359 HIGH 3,035 2,487 2,650 2,175 2,056 2,064 1,938 1,491 1,649 1,285 Net profit (a) 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 (a) Exclude
Slide 3: ROE at 5-year high, despite the challenging operating environment
ROE at 5-year high, despite the challenging operating environment 12.7 12.5 12.3 11.2 11.0 10.1 10.1 10.2 Average ROE 9.8 10.7% ROE (%) (a) 9.1 8.4 2002 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 3.92 3.04 2.48 6-month 1.40 Average SOR SOR (%) 0.52 0.94 1.44% 0.58 0.24 -0.63 2002 2003 2004 20
Slide 4: Growing higher return annuity income streams
Growing higher return annuity income streams 7% Income (S$m) % of Group 8,064 CAGR 2009 2012 Treasury customer 23% 7% 11% 868 income 6,603 358 Cash 26% 3% 4% 464 Trade 27% 7% 13% 181 1,013 492 Customer income as % of total 5,825 Others Treasury income 5,466 27% 44% 2009 2012 4
Slide 5: Higher revenue contribution from regional markets
Higher revenue contribution from regional markets Income (S$m) % of Group CAGR 2009 2012 8,064 409 Rest of World 6% 5% 745 South & Southeast Asia 25% 6% 9% 6,603 421 717 Rest of Greater China 25% 6% 9% 385 370 1,522 Hong Kong 10% 17% 19% 1,154 4,671 Singapore 3% 65% 58% 4,273 2009 2012 MIS basis 5
Slide 6: Growing key customer segments
Growing key customer segments Wealth Management SME Income (S$m) 1,229 1,092 787 1,024 1,041 620 481 506 2009 2010 2011 2012 2009 2010 2011 2012 6
Slide 7: Reshaped our balance sheet
Reshaped our balance sheet S$bn Loans Deposits Other funding 267 24 Healthy loans and deposits growth Diversified our funding sources 188 5 243 LDR (%) 211 183 Group 71% 87% 131 SGD 55% 69% Non-SGD 96% 110% Dec 2009 Dec 2012 7
Slide 8: The Asian Bank of Choice for the New Asia
The Asian Bank of Choice for the New Asia 1. Entrench leadership in Singapore China, India, Taiwan, Indonesia now 18% Geographies 2. Reposition Hong Kong of Group 3. Rebalance geographic mix of our business vs. 11% in 2009 4. Build a leading SME business GTS and T&M cross- Regional sell now 28% Busi
Slide 9: In summary
In summary 3 years of solid, consistent financial performance Strategy sound, building blocks in place, investments starting to pay off Asset quality healthy More signs of recovery in the macro-environment Well-positioned to capture market opportunities 9