| 10-Year
Financial Highlights |
|
1995
|
1996
|
1997
|
1998* |
1999
|
2000
|
2001
|
2002
|
2003
|
2004 |
| Income
Statement (S$ million) |
|
|
|
|
|
|
|
|
|
|
| Total Income |
1,331 |
1,574 |
1,870 |
1,991 |
1,787 |
1,727 |
2,214 |
2,222 |
2,193 |
2,643 |
| Operating
Expenses |
400
|
439
|
486
|
485
|
517
|
656
|
867
|
849
|
855
|
974 |
| Operating Profit
before Provisions |
931 |
1,135 |
1,384 |
1,507 |
1,271 |
1,071 |
1,347 |
1,372 |
1,338 |
1,669 |
| Provisions
for Assets |
97
|
165
|
569
|
975
|
516
|
139
|
518
|
501
|
225
|
77 |
| Net Profit
Attributable to Shareholders |
613 |
709 |
581 |
477 |
722 |
840 |
778 |
667 |
954 |
1,162 |
| Balance
Sheet (S$ million) |
|
|
|
|
|
|
|
|
|
|
| Total Assets
|
45,469 |
51,524 |
57,536 |
56,219 |
54,342 |
59,710 |
85,417 |
84,051 |
84,497 |
119,882 |
| Customer Loans
(net of provisions) |
26,924
|
32,310
|
37,431
|
33,448
|
29,817
|
32,936
|
49,609
|
47,367
|
50,155
|
52,963 |
| Customer Deposits
|
30,083 |
33,251 |
37,311 |
36,993 |
36,762 |
37,942 |
54,675 |
53,948 |
53,460 |
57,287 |
| Issued and
Paid-Up Ordinary Capital |
907
|
1,004
|
1,213
|
1,217
|
1,285
|
1,286
|
1,287
|
1,290
|
1,284
|
1,317 |
| Ordinary Shareholder's
Equity |
5,064 |
6,059 |
6,396 |
7,188 |
7,618 |
8,155 |
8,832 |
9,224 |
9,166 |
10,346 |
| Total Shareholders'
Equity |
5,064
|
6,095
|
6,396
|
7,188
|
7,618
|
8,155
|
8,832
|
9,224
|
10,059
|
11,242 |
| Ratios
(%) |
|
|
|
|
|
|
|
|
|
|
| Cost-to-Income
Ratio |
30.1
|
27.9
|
26.0
|
24.3
|
28.9
|
38.0
|
39.2
|
38.2
|
39.0
|
36.8 |
| Loans-to-Deposits
Ratio |
89.5 |
97.2 |
100.3 |
90.4 |
81.1 |
86.8 |
90.7 |
87.8 |
93.8 |
92.5 |
| Return on Average
Ordinary Equity |
12.8
|
12.8
|
9.1
|
6.8
|
9.7
|
10.7
|
9.3
|
7.4
|
10.0 |
11.4 |
| Return on Average
Assets |
1.42 |
1.46 |
1.07 |
0.84 |
1.32 |
1.53 |
1.11 |
0.80 |
1.13 |
1.30 |
| Basic Earnings
Per Ordinary Share (S$)# |
0.21 |
0.24 |
0.19 |
0.15 |
0.23 |
0.27 |
0.25 |
0.22
|
0.30 |
0.35 |
|
