DBS

Total Gross Loans SGD 312bn
Liquid Assets and Investment SGD 58bn
Equity SGD 40bn
Sales SGD 10bn
NP SGD 4bn

Loan growth 4%
NIM 2%

PBT by business
60% Wholesale
22% Retail
12% Others
6% Treasury

PBT by geography
65% Singapore
30% HK
3% Greater China
2% ROW
0% ASEAN

Loan mix
72% Wholesale
28% Retail

46% Singapore
18% HK
17% Greater China
10% ASEAN
9% ROW

20% Housing
18% General Commerce
11% Manufacturing
8% Pros and Indv
9% Transport and TMT
19% Building and Construction
5% Fixed Income
10% Others

NPLs
2.4% ASEAN
0.7% Greater China
0.3% Singapore
0.9% Total

Transactional banking-15% of total revenue
Trade finance-18%of total loans

China and commodity risk: NPL could jump to 3% from 1% now, ROE down to 9%
15% of loans are to China of which 60% relates to trade finance
Oil and Gas loan SGD 21bn c.6% of total loans but another est is 12%