Balance Sheet DBS Group Holdings Ltd

Stocks

D05

SG1L01001701

Banks

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Published financial data: DBS GROUP HOLDINGS LTD

Annual

Quarterly

Halfyear

YTD

LTM

Fiscal Period: December	2021	2022	2023	2024	2025
Interest Income On Loans	10.18B	15.93B	27.86B	30.93B	28.27B
Interest Income, Total	10.18B	15.93B	27.86B	30.93B	28.27B
Interest On Deposits	1.74B	4.99B	14.22B	16.5B	13.77B
Interest Expense, Total	1.74B	4.99B	14.22B	16.5B	13.77B
Net Interest Income	8.44B	10.94B	13.64B	14.42B	14.5B
Income From Trading Activities	1.79B	2.31B	2.87B	3.38B	3.36B
Gain (Loss) on Sale of Assets	17M	3M	2M	116M	6M
Gain (Loss) on Sale of Invest. & Securities - (Rev)	140M	-46M	89M	76M	62M
Income (Loss) on Equity Invest. (Income Block)	213M	-	-	-	-
Total Other Non Interest Income	3.8B	3.29B	3.54B	4.3B	4.97B
Non Interest Income, Total	5.96B	5.56B	6.5B	7.87B	8.4B
Revenues Before Provison For Loan Losses	14.4B	16.5B	20.14B	22.3B	22.9B
Provision For Loan Losses	52M	237M	590M	622M	791M
Total Revenues	14.35B	16.26B	19.55B	21.68B	22.11B
Salaries And Other Employee Benefits	3.74B	4.25B	4.86B	5.42B	5.64B
Stock-Based Compensation (IS)	-	8M	3M	5M	10M
Amort. of Goodwill & Intang. Assets	-	-	9M	23M	23M
Selling General & Admin Expenses, Total	345M	318M	402M	406M	447M
(Income) Loss on Equity Invest.	-	-207M	-214M	-250M	-262M
Total Other Non Interest Expense	2.48B	2.51B	2.79B	3.18B	3.25B
Non Interest Expense, Total	6.57B	6.88B	7.85B	8.79B	9.11B
EBT, Excl. Unusual Items	7.78B	9.38B	11.7B	12.88B	13B
Asset Writedown	-	-	-	-	-
Other Unusual Items	-	-	-217M	-	-
EBT, Incl. Unusual Items	7.78B	9.38B	11.49B	12.88B	13B
Income Tax Expense	973M	1.19B	1.42B	1.59B	2.06B
Earnings From Continuing Operations	6.81B	8.19B	10.06B	11.29B	10.93B
Net Income to Company	6.81B	8.19B	10.06B	11.29B	10.93B
Minority Interest	-2M	-1M	-1M	-1M	-1M
Net Income - (IS)	6.8B	8.19B	10.06B	11.29B	10.93B
Preferred Dividend and Other Adjustments	109M	85M	84M	84M	35M
Net Income to Common Incl Extra Items	6.7B	8.11B	9.98B	11.2B	10.9B
Net Income to Common Excl. Extra Items	6.7B	8.11B	9.98B	11.2B	10.9B
Per Share Items
Net EPS - Basic	2.38	2.86	3.52	3.94	3.84
Basic EPS - Continuing Operations	2.38	2.86	3.52	3.94	3.84
Basic Weighted Average Shares Outstanding	2.82B	2.83B	2.84B	2.84B	2.84B
Net EPS - Diluted	2.38	2.86	3.52	3.94	3.82
Diluted EPS - Continuing Operations	2.38	2.86	3.52	3.94	3.82
Diluted Weighted Average Shares Outstanding	2.82B	2.83B	2.84B	2.84B	2.85B
Normalized Basic EPS	1.72	2.07	2.58	2.83	2.86
Normalized Diluted EPS	1.72	2.07	2.58	2.83	2.85
Dividend Per Share	1.09	1.36	1.75	2.22	2.46
Payout Ratio	35.15	46.25	46.95	53.88	74.55
American Depositary Receipts Ratio (ADR)	4	4	4	4	4
Supplemental Items
Effective Tax Rate - (Ratio)	12.51	12.66	12.39	12.37	15.89
Total Current Taxes	913M	1.21B	1.39B	1.59B	1.97B
Total Deferred Taxes	60M	-21M	35M	3M	97M
Normalized Net Income	4.86B	5.86B	7.31B	8.05B	8.12B
Supplemental Operating Expense Items
Stock-Based Comp., SG&A Exp. (Total)	134M	126M	175M	172M	193M
Stock-Based Comp., Other (Total)	-	8M	3M	5M	10M
Total Stock-Based Compensation	134M	134M	178M	177M	203M

Fiscal Period: December	2021	2022	2023	2024	2025
Assets
Cash And Equivalents	46.69B	43.98B	39.88B	47.35B	46.38B
Investment Securities, Total	89.63B	129B	142B	172B	211B
Trading Asset Securities, Total	55.18B	44.94B	22.7B	27.9B	23.62B
Total investments	145B	174B	164B	200B	234B
Gross Loans	415B	420B	422B	437B	451B
Allowance For Loan Losses	-6.08B	-5.76B	-5.99B	-6.09B	-5.9B
Net Loans	409B	415B	416B	431B	445B
Gross Property Plant And Equipment	-	-	-	-	-
Accumulated Depreciation	-	-	-	-	-
Net Property Plant And Equipment	2.18B	2.02B	2.34B	2.24B	1.92B
Goodwill	5.36B	5.34B	6.08B	6.17B	6.14B
Other Intangibles, Total	1.04B	1.18B	1.54B	1.56B	1.47B
Investment in Real Estate	40M	39M	37M	277M	275M
Accrued Interest Receivable	1.27B	2.35B	3.1B	3.19B	3.01B
Other Receivables	61.43B	68.13B	75.02B	101B	110B
Restricted Cash	12.87B	16.4B	15.55B	15.57B	14.39B
Other Current Assets, Total	584M	711M	1.2B	1.1B	5.27B
Deferred Tax Assets Long-Term (Collected)	627M	887M	770M	844M	506M
Other Real Estate Owned And Foreclosed	178M	159M	126M	104M	116M
Other Long-Term Assets, Total	-	13.98B	13.23B	17.2B	28.56B
Total Assets	686B	743B	739B	827B	897B
Liabilities
Interest Bearing Deposits	343B	396B	426B	454B	487B
Non-Interest Bearing Deposits	159B	131B	109B	108B	123B
Total Deposits	502B	527B	535B	562B	610B
Short-Term Borrowings	45.18B	64.32B	27B	42.36B	37.66B
Current Portion of Long-Term Debt	38.63B	49.72B	67.97B	92.6B	117B
Long-Term Debt	23.92B	22.51B	24.59B	25.06B	27.52B
Long-Term Leases	1.52B	1.39B	1.47B	1.35B	1.12B
Current Income Taxes Payable	964M	1.06B	1.1B	1.26B	1.6B
Accrued Interest Payable	286M	1.21B	2.09B	2.09B	1.91B
Other Current Liabilities - (Bank / Utility Template)	4.65B	6.51B	5.54B	8B	7.52B
Unearned Revenue Non Current	960M	864M	768M	672M	576M
Deferred Tax Liability Non-Current	81M	56M	108M	155M	146M
Other Non Current Liabilities	10.21B	11.66B	11.31B	23.13B	23.63B
Total Liabilities	628B	686B	677B	758B	829B
Common Stock, Total	11.83B	11.83B	11.83B	11.83B	11.83B
Retained Earnings	40.04B	44.35B	48.09B	53.16B	55.38B
Treasury Stock	-443M	-331M	-222M	-289M	-65M
Comprehensive Income and Other	6.11B	1.04B	2.37B	4.09B	1.72B
Total Common Equity	57.53B	56.89B	62.06B	68.79B	68.87B
Minority Interest	188M	185M	182M	47M	49M
Total Equity	57.71B	57.07B	62.25B	68.83B	68.92B
Total Liabilities And Equity	686B	743B	739B	827B	897B
Supplemental Items
ECS Total Shares Outstanding on Filing Date	2.83B	2.83B	2.84B	2.84B	2.84B
ECS Total Common Shares Outstanding	2.83B	2.83B	2.84B	2.84B	2.84B
Book Value / Share	19.52	19.25	21.03	23.38	24.27
Tangible Book Value	51.12B	50.37B	54.44B	61.06B	61.26B
Tangible Book Value Per Share	17.25	16.95	18.35	20.66	21.59
Total Debt	109B	138B	121B	161B	183B
Deposits at Interest - Cash	44.55B	41.46B	37.45B	45.11B	44.3B
Net Debt	7.39B	49.03B	58.45B	86.11B	113B
Equity Method Investments, Total	2.17B	2.28B	2.49B	3.07B	3.49B
Full Time Employees	33K	36K	40K	41K	-
Part Time Employees	-	-	-	-	-
Number Of Offices	-	520	520	-	-

Fiscal Period: December	2021	2022	2023	2024	2025
Net Income	6.8B	8.19B	10.06B	11.29B	10.93B
Depreciation, Depletion & Amortization	408M	401M	407M	442M	421M
Amortization of Goodwill and Intangible Assets - (CF)	-	-	9M	23M	23M
Total Depreciation, Depletion & Amortization	408M	401M	416M	465M	444M
Amortization of Deferred Charges, Total	261M	300M	330M	364M	403M
(Gain) Loss On Sale of Asset - (CF)	13M	50M	1M	-85M	15M
(Gain) Loss on Sale of Investments - (CF)	-	5M	26M	-36M	-2M
Total Asset Writedown	-	-	-	-	-
Provision for Credit Losses	24M	225M	544M	625M	779M
(Income) Loss On Equity Investments - (CF)	-213M	-207M	-214M	-250M	-262M
Stock-Based Compensation (CF)	134M	134M	178M	177M	203M
Change in Other Net Operating Assets (Collected)	-32.89B	-37.5B	-6.18B	-20.38B	-60.75B
Other Operating Activities	24M	154M	9M	93M	407M
Cash from Operations	-25.43B	-28.24B	5.17B	-7.73B	-47.83B
Capital Expenditure	-567M	-669M	-718M	-916M	-525M
Sale of Property, Plant, and Equipment	22M	3M	2M	134M	14M
Cash Acquisitions	-	-	1.44B	-152M	-
Divestitures	-	-	49M	-	-
Investment in Marketable and Equity Securities, Total	-1.1B	-114M	-124M	-431M	-314M
Other Investing Activities, Total	42M	86M	81M	122M	117M
Cash from Investing	-1.6B	-694M	727M	-1.24B	-708M
Long-Term Debt Issued, Total	1B	-	-	-	-
Total Debt Issued	1B	-	-	-	-
Long-Term Debt Repaid, Total	-257M	-	-3.06B	-265M	-251M
Total Debt Repaid	-257M	-	-3.06B	-265M	-251M
Issuance of Common Stock	-	-	-	-	-
Repurchase of Common Stock	-1.02B	-11M	-20M	-213M	-2.74B
Common Dividends Paid	-2.39B	-3.79B	-4.72B	-6.08B	-8.15B
Common & Preferred Stock Dividends Paid	-2.39B	-3.79B	-4.72B	-6.08B	-8.15B
Net Increase (Decrease) in Deposit Accounts - (CF)	33.16B	31.01B	-6M	23.08B	58.86B
Special Dividend Paid	-	-	-1.29B	-	-
Other Financing Activities, Total	91M	-86M	-99M	-43M	-40M
Cash from Financing	30.58B	27.12B	-9.2B	16.47B	47.68B
Foreign Exchange Rate Adjustments	940M	-903M	-805M	-17M	-106M
Miscellaneous Cash Flow Adjustments	-	-	-	-	-
Net Change in Cash	4.49B	-2.71B	-4.1B	7.48B	-970M
Supplemental Items
Cash Interest Paid	64M	86M	92M	43M	40M
Cash Income Tax Paid (Refund)	698M	1.04B	1.32B	1.44B	1.63B
Net Debt Issued / Repaid	743M	-	-3.06B	-265M	-251M

Fiscal Period: December	2021	2022	2023	2024	2025
Profitability
Return on Assets	1.02	1.15	1.36	1.44	1.27
Return On Equity %	12.12	14.28	16.87	17.23	15.88
Return on Common Equity	11.94	14.17	16.78	17.13	15.83
Shareholders Value Added	75.88M	1.33B	2.93B	3.46B	2.7B
Margin Analysis
SG&A Margin	28.48	28.08	26.92	26.89	27.53
Net Interest Income / Total Revenues %	58.82	67.27	69.77	66.55	65.58
EBT Excl. Non-Recurring Items Margin %	54.22	57.68	59.85	59.44	58.8
Income From Continuing Operations Margin %	47.44	50.38	51.46	52.09	49.45
Net Income Margin %	47.42	50.37	51.46	52.08	49.45
Net Avail. For Common Margin %	46.67	49.85	51.03	51.7	49.29
Normalized Net Income Margin	33.87	36.05	37.4	37.15	36.74
Asset quality
Nonperforming Loans / Total Loans %	1.27	1.13	1.11	1.09	1.03
Nonperforming Loans / Total Assets %	0.77	0.64	0.64	0.58	0.52
Nonperforming Assets / Total Assets %	0.85	0.69	0.68	0.61	0.54
NPAs / Loans and OREO	1.41	1.22	1.2	1.15	1.07
NPAs / Equity	10.13	8.98	8.12	7.32	7.03
Allowance for Credit Losses / Net Charge-offs %	948.36	813.12	1.17K	953.05	689.84
Allowance for Credit Losses / Nonperforming Loans %	114.91	121.14	127.51	127.41	127.57
Allowance for Credit Losses / Total Loans %	1.46	1.37	1.42	1.39	1.31
Provision for Loan Losses / Net Charge-offs %	8.11	33.43	115.69	97.34	92.41
Capital And Funding
Total Average Common Equity / Total Average Assets %	8.39	8	8.02	8.35	7.98
Total Average Equity / Total Average Assets %	8.41	8.03	8.05	8.37	7.99
Total Equity + Allowance for Loan Losses / Total Loans %	15.32	14.91	16.12	17.15	16.58
Gross Loans / Total Deposits %	82.69	79.75	78.89	77.74	73.92
Net Loans / Total Deposits %	81.48	78.66	77.77	76.65	72.95
Tier 1 Capital Ratio %	15.1	15.2	15.3	17.7	17
Total Capital Ratio %	17	17	16.1	18.6	17.9
Core Tier 1 Capital Ratio	14.4	14.6	14.6	17	17
Tier 2 Capital Ratio	1.92	1.78	0.85	0.91	0.89
Coverage Ratio	114.91	121.14	127.51	127.41	127.57
Interbank Ratio	170.07	151.52	144.44	125.31	118.39
Fixed Charges Coverage
EBT + Interest Expense / Interest Expense	5.46	2.88	1.81	1.78	1.94
Growth Over Prior Year
Net Interest Income, 1 Yr. Growth %	-7.01	29.63	24.69	5.73	0.53
Non Interest Income, 1 Yr. Growth %	8.07	-3.25	16.92	21.09	6.69
Provision For Loan Losses, 1 Yr. Growth %	-98.3	355.77	148.95	5.42	27.17
Total Revenues, 1 Yr. Growth %	24.49	15.06	20.22	10.85	2
Earnings From Cont. Operations, 1 Yr. Growth %	43.12	20.38	22.81	12.19	-3.15
Net Income, 1 Yr. Growth %	44.14	20.4	22.81	12.19	-3.15
Normalized Net Income, 1 Yr. Growth %	46.4	19.09	24.74	12.35	0.89
Diluted EPS Before Extra, 1 Yr. Growth %	44.29	20.59	22.8	12.02	-3.05
Dividend Per Share, 1 Yr. Growth %	37.93	25	28.01	26.86	10.81
Gross Loans, 1 Yr. Growth %	9.87	1.26	0.44	3.44	3.26
Allowance For Loan Losses, 1 Yr. Growth %	-7.88	-5.17	3.89	1.69	-3.04
Net Loans, 1 Yr. Growth %	10.19	1.35	0.4	3.47	3.35
Non Performing Loans, 1 Yr. Growth %	-12.69	-10.04	-1.3	1.77	-3.16
Non Performing Assets, 1 Yr. Growth %	-12.52	-12.38	-1.35	-0.4	-3.83
Total Assets, 1 Yr. Growth %	5.56	8.35	-0.55	11.89	8.49
Total Deposits, 1 Yr Growth %	7.98	4.99	1.54	4.98	8.6
Tangible Book Value, 1 Yr. Growth %	5.65	-1.48	8.09	12.15	0.33
Common Equity, 1 Yr. Growth %	5.31	-1.11	9.1	10.83	0.12
Total Equity, 1 Yr. Growth %	5.62	-1.11	9.07	10.58	0.12
Compound Annual Growth Rate Over Two Years
Net Interest Income, 2 Yr. CAGR %	-6.36	9.79	27.14	14.82	3.1
Non Interest Income, 2 Yr. CAGR %	10.08	0.41	6.36	18.99	13.66
Provision For Loan Losses, 2 Yr. CAGR %	-72.8	-72.2	236.84	62	15.79
Total Revenues, 2 Yr. CAGR %	1.82	18.79	17.61	15.44	6.33
Earnings From Cont. Operations, 2 Yr. CAGR %	2.9	31.26	21.59	17.38	4.24
Net Income, 2 Yr. CAGR %	3.19	31.74	21.6	17.38	4.24
Normalized Net Income, 2 Yr. CAGR %	1.68	32.89	21.88	17.19	6.47
Diluted EPS Before Extra, 2 Yr. CAGR %	2.97	31.91	21.69	17.29	4.2
Dividend Per Share, 2 Yr. CAGR %	-1.23	31.31	26.49	27.59	18.56
Gross Loans, 2 Yr. CAGR %	7.02	5.48	0.85	1.93	3.35
Allowance For Loan Losses, 2 Yr. CAGR %	15.68	-6.53	-0.74	2.78	-0.7
Net Loans, 2 Yr. CAGR %	6.9	5.68	0.87	1.92	3.41
Non Performing Loans, 2 Yr. CAGR %	-1.04	-11.37	-5.77	0.22	-0.73
Non Performing Assets, 2 Yr. CAGR %	0.66	-12.45	-7.03	-0.87	-2.13
Total Assets, 2 Yr. CAGR %	8.86	6.95	3.81	5.49	10.18
Total Deposits, 2 Yr CAGR %	11.43	6.48	3.25	3.24	6.77
Tangible Book Value, 2 Yr. CAGR %	6.6	2.02	3.2	10.1	6.08
Common Equity, 2 Yr. CAGR %	6.23	2.05	3.87	9.96	5.34
Total Equity, 2 Yr. CAGR %	5.56	2.2	3.85	9.82	5.22
Compound Annual Growth Rate Over Three Years
Net Interest Income, 3 Yr. CAGR %	-1.96	4.36	14.55	19.56	9.84
Non Interest Income, 3 Yr. CAGR %	12.13	4.17	5.63	11.06	14.74
Provision For Loan Losses, 3 Yr. CAGR %	-58.16	-30.4	-42.27	128.7	49.44
Total Revenues, 3 Yr. CAGR %	4.78	5.53	19.27	15.31	10.77
Earnings From Cont. Operations, 3 Yr. CAGR %	6.39	8.42	28.38	18.37	10.09
Net Income, 3 Yr. CAGR %	6.86	8.63	28.69	18.38	10.09
Normalized Net Income, 3 Yr. CAGR %	5.96	7.64	30.11	17.82	11.48
Diluted EPS Before Extra, 3 Yr. CAGR %	6.8	8.54	28.8	18.38	10.07
Dividend Per Share, 3 Yr. CAGR %	0	6.84	30.2	26.72	21.74
Gross Loans, 3 Yr. CAGR %	5.88	5.06	3.77	1.71	2.37
Allowance For Loan Losses, 3 Yr. CAGR %	9.41	8.26	-3.18	0.06	0.8
Net Loans, 3 Yr. CAGR %	5.84	5.02	3.89	1.73	2.39
Non Performing Loans, 3 Yr. CAGR %	0.25	-4.14	-8.14	-3.32	-0.92
Non Performing Assets, 3 Yr. CAGR %	0.96	-3.89	-8.89	-4.87	-1.87
Total Assets, 3 Yr. CAGR %	7.6	8.69	4.39	6.43	6.48
Total Deposits, 3 Yr CAGR %	8.43	9.24	4.8	3.82	5
Tangible Book Value, 3 Yr. CAGR %	5.77	3.83	4.01	6.1	6.74
Common Equity, 3 Yr. CAGR %	5.46	3.72	4.35	6.14	6.58
Total Equity, 3 Yr. CAGR %	4.99	3.28	4.44	6.05	6.49
Compound Annual Growth Rate Over Five Years
Net Interest Income, 5 Yr. CAGR %	2.93	7.03	8.78	8.43	9.82
Non Interest Income, 5 Yr. CAGR %	7.34	4.4	8.99	9.86	8.78
Provision For Loan Losses, 5 Yr. CAGR %	-48.49	-34.01	-3.64	-2.42	-23.74
Total Revenues, 5 Yr. CAGR %	7.37	9.4	9.41	9.39	13.91
Earnings From Cont. Operations, 5 Yr. CAGR %	9.32	12.71	12.22	11.92	18.12
Net Income, 5 Yr. CAGR %	9.93	13.39	12.53	12.05	18.29
Normalized Net Income, 5 Yr. CAGR %	9.73	13.58	12.35	11.36	19.6
Diluted EPS Before Extra, 5 Yr. CAGR %	9.45	13.34	12.52	11.96	18.33
Dividend Per Share, 5 Yr. CAGR %	14.87	10.03	9.86	14.7	25.48
Gross Loans, 5 Yr. CAGR %	6.33	5.1	3.84	3.8	3.6
Allowance For Loan Losses, 5 Yr. CAGR %	9.29	4.3	5.23	6.04	-2.2
Net Loans, 5 Yr. CAGR %	6.29	5.11	3.82	3.77	3.7
Non Performing Loans, 5 Yr. CAGR %	3.68	-2.91	-2.21	-2.42	-5.24
Non Performing Assets, 5 Yr. CAGR %	3.79	-3.33	-2.31	-2.69	-6.25
Total Assets, 5 Yr. CAGR %	7.34	7.5	6.07	7.4	6.67
Total Deposits, 5 Yr CAGR %	7.64	7.12	6.32	6.8	5.59
Tangible Book Value, 5 Yr. CAGR %	5.3	3.84	4.74	6.3	4.83
Common Equity, 5 Yr. CAGR %	5.22	3.69	4.82	6.17	4.74
Total Equity, 5 Yr. CAGR %	4.21	2.76	4.53	5.85	4.75