DBS bank – Dbs group achieved a record profit before tax of SGD 13.1 billion in 2025, slightly higher than a year ago, as total income rose 3% to a new high of SGD 22.9 billion despite a challenging rate environment. Group net interest income was modestly higher, with proactive hedging and record deposit growth offsetting pressures from sharply lower interest rates and a stronger Singapore dollar.

FY pre-tax profit at new high of $13.1b, ROE at 16.2% and ROTE at 17.8%

Total income up 3% to record $22.9b despite rate headwinds

o Group NII modestly higher from record deposit growth and proactive balance sheet hedging o Fee income and treasury customer sales reach new highs o Markets trading income highest since 2021 4Q pre-tax profit declines 6% YoY to $2.80b

Total income down 3% to $5.33b, stronger fees and treasury customer sales offset by rate headwinds and

absence of non-recurring gains a year ago Balance sheet remains healthy

Asset quality remains sound. Notwithstanding prudent downgrade of a previously watchlisted real estate

exposure, NPL ratio stable at 1.0%

4Q SP partially offset by GP release; FY SP at 19bp
Allowance coverage at 130% and 197% after considering collateral
Transitional CET1 ratio at 17.0%, fully phased-in at 15.0%

4Q total dividend at 81¢ per share – ordinary dividend raised 6¢ to 66¢, Capital Return dividend at 15¢. XD 8 April. Paydate 17 April 2026. Capital Return dividend to be maintained for FY26 and FY27 barring unforeseen circumstan....

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