Financial Highlights

Selected Income Statement Items (S$ million) 3Q21 2Q21 1Q21 4Q20 3Q20
Operating profit 1,381 1,360 1,397 1,200 1,252
Net profit after tax1 1,046 1,003 1,008 688 668
Selected Balance Sheet Items (S$ billion) 3Q21 2Q21 1Q21 4Q20 3Q20
Gross customer loans 306 299 293 281 281
Customer deposits 355 339 332 325 319
Total assets 458 447 441 432 422
Shareholders' equity1 42 42 42 41 40
Financial Indicators (%) 3Q21 2Q21 1Q21 4Q20 3Q20
Cost/Income ratio 43.7 43.7 43.8 46.7 44.6
Non-performing loan ratio 1.5 1.5 1.5 1.6 1.5
Return on average ordinary shareholders' equity 10.4 10.1 10.2 7.0 6.9
Return on average total assets 0.93 0.91 0.93 0.65 0.63
Return on average risk-weighted assets 1.71 1.68 1.76 1.22 1.17
Capital adequacy ratios
Common Equity Tier 1 13.5 14.2 14.3 14.7 14.0
Tier 1 14.4 15.2 15.4 15.8 15.0
Total 16.8 18.1 17.9 18.4 17.6
Per ordinary share
Basic earnings (S$) 2.46 2.35 2.36 1.59 1.55
Net asset value (S$) 23.56 23.65 23.42 23.03 22.53
Net dividend (cents) - 60 - 39 -

 

Note:

  1. Relate to amount attributable to equity holders of the Bank.
Selected Income Statement Items (S$ million) 2020 2019 2018 2017 2016
Operating profit 4,992 5,558 5,113 4,824 4,365
Net profit after tax1 2,915 4,343 4,008 3,390 3,096
Selected Balance Sheet Items (S$ billion) 2020 2019 2018 2017 2016
Gross customer loans 281 269 262 236 226
Customer deposits 325 311 293 273 255
Total assets 432 404 388 359 340
Shareholders' equity1 41 40 38 37 33
Financial Indicators (%) 2020 2019 2018 2017 2016
Cost/Income ratio 45.6 44.6 43.9 43.7 44.0
Non-performing loan ratio 1.6 1.5 1.5 1.8 1.5
Return on average ordinary shareholders' equity 7.4 11.6 11.3 10.2 10.2
Return on average total assets 0.69 1.08 1.07 0.98 0.95
Return on average risk-weighted assets 1.27 1.90 1.93 1.63 1.51
Capital adequacy ratios
Common Equity Tier 1 14.7 14.3 13.9 15.1 13.0
Tier 1 15.8 15.4 14.9 16.2 13.1
Total 18.4 17.4 17.0 18.7 16.2
Per ordinary share
Basic earnings (S$) 1.69 2.55 2.34 1.99 1.86
Net asset value (S$) 23.03 22.33 21.31 20.37 18.82
Net dividend (cents)2 78 130 120 100 70
Dividend cover (times)2 2.24 2.00 2.00 2.04 2.73

 

Note:

  1. Relate to amount attributable to equity holders of the Bank.
  2. Included a special dividend of 20 cents in 2017, 2018 and 2019 respectively.