DBS Group Holdings Income Statement

Financials in millions SGD. Fiscal year is January - December.

Millions SGD. Fiscal year is Jan - Dec.

Fiscal Year	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Dec '25 Dec 31, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021
Interest Income on Loans	28,268	30,927	27,862	15,927	10,185
Interest Paid on Deposits	13,768	16,503	14,220	4,986	1,745
Net Interest Income	14,500	14,424	13,642	10,941	8,440
Net Interest Income Growth (YoY)	0.53%	5.73%	24.69%	29.63%	-7.01%
Income From Trading Activities	3,361	3,381	2,866	2,313	1,791
Gain (Loss) on Sale of Assets	-15	116	2	3	17
Gain (Loss) on Sale of Investments	100	76	89	-46	140
Other Non-Interest Income	4,954	4,300	3,545	3,291	3,800
Total Non-Interest Income	8,400	7,873	6,502	5,561	5,748
Non-Interest Income Growth (YoY)	6.69%	21.09%	16.92%	-3.25%	4.21%
Revenues Before Loan Losses	22,900	22,297	20,144	16,502	14,188
Provision for Loan Losses	791	622	590	237	52
Revenue	22,109	21,675	19,554	16,265	14,136
Revenue Growth (YoY)	2.00%	10.85%	20.22%	15.06%	22.64%
Salaries and Employee Benefits	5,629	5,422	4,878	4,250	3,745
Amortization of Goodwill & Intangibles	23	23	9	-	-
Selling, General & Administrative	662	625	607	318	341
Other Non-Interest Expense	3,058	2,966	2,803	2,514	2,379
Total Non-Interest Expense	9,110	8,791	8,086	6,883	6,256
EBT Excluding Unusual Items	12,999	12,884	11,468	9,382	7,880
Other Unusual Items	-	-	18	-	-100
Pretax Income	12,999	12,884	11,486	9,382	7,780
Income Tax Expense	2,065	1,594	1,423	1,188	973
Earnings From Continuing Operations	10,934	11,290	10,063	8,194	6,807
Minority Interest in Earnings	-1	-1	-1	-1	-2
Net Income	10,933	11,289	10,062	8,193	6,805
Preferred Dividends & Other Adjustments	62	84	84	85	109
Net Income to Common	10,871	11,205	9,978	8,108	6,696
Net Income Growth	-3.15%	12.19%	22.81%	20.40%	44.14%
Basic Shares Outstanding	2,838	2,843	2,836	2,830	2,819
Diluted Shares Outstanding	2,850	2,843	2,836	2,830	2,819
Shares Change (YoY)	0.25%	0.25%	0.21%	0.41%	0.75%
EPS (Basic)	3.83	3.94	3.52	2.86	2.38
EPS (Diluted)	3.82	3.94	3.52	2.86	2.38
EPS Growth	-3.08%	12.02%	22.81%	20.59%	44.29%
Dividend Per Share	2.460	2.220	1.750	1.364	1.091
Dividend Growth	10.81%	26.86%	28.34%	25.00%	37.93%
Effective Tax Rate	15.89%	12.37%	12.39%	12.66%	12.51%

Source: S&P Global Market Intelligence. Banks template. Financial Sources.