|
Historical Financial Highlights
|
|
|
1999
|
2000
|
2001
|
2002
|
2003
|
2004
|
2005
|
2006
|
2007
|
2008
|
2009
|
|
Income Statement (S$ million)
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Income
|
1,787
|
1,727
|
2,214
|
2,222
|
2,193
|
2,625
|
2,887
|
3,840
|
4,281
|
4,427
|
4,815
|
|
Operating Expenses
|
517
|
656
|
867
|
849
|
855
|
988
|
1,145
|
1,331
|
1,680
|
1,854
|
1,796
|
|
Operating Profit before Allowances
|
1,271
|
1,071
|
1,347
|
1,372
|
1,338
|
1,637
|
1,742
|
2,508
|
2,601
|
2,573
|
3,019
|
|
Amortisation of goodwill and intangibles
|
-
|
-
|
52
|
127
|
127
|
158
|
40
|
44
|
47
|
47
|
47
|
|
Allowances for Loans and Other Assets
|
516
|
139
|
518
|
501
|
225
|
77
|
12
|
2
|
36
|
447
|
429
|
|
Net Profit Attributable to Shareholders
|
722
|
840
|
778
|
667
|
954
|
1,148
|
1,298
|
2,002
|
2,071
|
1,749
|
1,962
|
|
Excluding non-core gains (S$ million)
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Core Income
|
1,744
|
1,727
|
1,954
|
2,222
|
2,065
|
2,493
|
2,887
|
3,242
|
4,188
|
4,241
|
4,815
|
|
Core Operating Profit
|
1,228
|
1,071
|
1,087
|
1,372
|
1,211
|
1,505
|
1,742
|
1,911
|
2,508
|
2,387
|
3,019
|
|
Core Net Profit
|
679
|
840
|
526
|
667
|
828
|
1,051
|
1,298
|
1,443
|
1,878
|
1,486
|
1,962
|
|
Balance Sheet (S$ million)
|
|
|
|
|
|
|
|
|
|
|
|
|
Total Assets
|
54,342
|
59,710
|
85,417
|
84,051
|
84,497
|
121,935
|
134,710
|
151,220
|
174,607
|
181,385
|
194,300
|
|
Total Assets (excl life fund investment assets)
|
54,342
|
59,710
|
85,417
|
84,051
|
84,497
|
92,299
|
99,615
|
113,607
|
133,471
|
142,508
|
151,223
|
|
Customer Loans (net of allowances)
|
29,817
|
31,136
|
48,075
|
46,225
|
48,984
|
51,829
|
55,134
|
59,309
|
71,316
|
79,808
|
80,876
|
|
Customer Deposits
|
36,762
|
37,942
|
54,675
|
53,948
|
53,460
|
57,287
|
64,088
|
75,115
|
88,788
|
94,078
|
100,633
|
|
Issued and Paid-Up Ordinary Capital
|
1,285
|
1,286
|
1,287
|
1,290
|
1,280
|
1,317
|
1,557
|
4,941
|
4,942
|
4,970
|
5,657
|
|
Ordinary Shareholder's Equity
|
7,618
|
8,155
|
8,832
|
9,224
|
9,163
|
10,334
|
11,442
|
12,508
|
14,782
|
13,978
|
17,075
|
|
Total Shareholders' Equity
|
7,618
|
8,155
|
8,832
|
9,224
|
10,059
|
11,230
|
12,338
|
13,404
|
15,678
|
15,874
|
18,971
|
|
Ratios (%)
|
|
|
|
|
|
|
|
|
|
|
|
|
Cost-to-Income Ratio
|
28.9
|
38.0
|
39.2
|
38.2
|
39.0
|
37.6
|
39.6
|
34.7
|
39.2
|
41.9
|
37.3
|
|
Cost-to-Income Ratio excluding non-core gains
|
29.6
|
37.9
|
44.4
|
38.2
|
41.4
|
39.6
|
39.6
|
41.1
|
40.1
|
43.7
|
37.3
|
|
Loans-to-Deposits Ratio
|
81.1
|
82.1
|
87.9
|
85.7
|
91.6
|
90.5
|
86.0
|
79.0
|
80.3
|
84.8
|
80.4
|
|
Return on Average Ordinary Equity (ROE)
|
9.7
|
10.7
|
9.3
|
7.4
|
10.0
|
11.3
|
11.4
|
16.6
|
14.8
|
11.8
|
12.2
|
|
Core ROE
|
9.1
|
10.7
|
6.3
|
7.4
|
8.7
|
10.3
|
11.4
|
11.8
|
13.4
|
9.9
|
12.2
|
|
Return on Average Assets
|
1.32
|
1.53
|
1.11
|
0.80
|
1.13
|
1.28
|
1.30
|
1.92
|
1.66
|
1.23
|
1.35
|
|
Per Ordinary Share 1/
|
|
|
|
|
|
|
|
|
|
|
|
|
Basic Earnings (EPS) (cents)
|
23.3
|
27.1
|
25.2
|
21.5
|
30.0
|
35.4
|
40.1
|
63.4
|
65.9
|
54.6
|
59.4
|
|
Core EPS
|
22.1
|
27.1
|
17.0
|
21.5
|
25.5
|
32.3
|
40.1
|
45.3
|
59.7
|
46.1
|
59.4
|
|
Net Dividends - Interim and Final (cents)2/
|
4.9
|
5.6
|
5.7
|
6.5
|
7.7
|
12.6
|
18.4
|
23.0
|
28.0
|
28.0
|
28.0
|
|
Net Special and Bonus Dividends (cents)2/ 3/
|
5.6
|
6.8
|
-
|
-
|
20.7
|
-
|
41.7
|
-
|
-
|
-
|
-
|
|
|
