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ᔗሚᏴ ݛቩᐱፖቲLj ᒴႈᆒ ቩᐱૹᅍ৹ᎌሢႊ | 2012ޟฤস

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Page 1: Ç ´ ] È Â ô Ç ´ V r 2012 s [ v...p4 p5 10 $ ò 1 i 1 V r M F > | 1 I 1 k ß d ¸ Å V r 1 k ß é 1 k ß 530 180,000 z 190 z 600 000 d ¸ ß V r 1 k ß- W3 $ | 1 2.37 8 È C

www.dbs.com199901152M

20122009 – 2013

| 2012

Page 2: Ç ´ ] È Â ô Ç ´ V r 2012 s [ v...p4 p5 10 $ ò 1 i 1 V r M F > | 1 I 1 k ß d ¸ Å V r 1 k ß é 1 k ß 530 180,000 z 190 z 600 000 d ¸ ß V r 1 k ß- W3 $ | 1 2.37 8 È C

Bart Broadman

Nihal Kaviratne CBEAndre Sekulic2012 4 26

趙趙

2012 4 26

趙趙

Nihal Kaviratne CBE

Andre Sekulic2012 5 1

2012 5 1

趙趙

2012 6 1

Bart Broadman

Nihal Kaviratne CBE

趙趙

2012 4 26Bart Broadman

Andre Sekulic2012 5 1

吳吳

2012 8 3

David Gledhill

Elbert Pattijn

Sanjiv Bhasin

Kenneth Fagan

Tricor Barbinder Tricor

80 #02-00068898

(65) 6236 3333(65) 6236 4399

8#17-00 PWC

048424

Dominic Nixon2008 4 2

2008 4 1

123

018982(65) 6878 8888www.dbs.com

[email protected]

Page 3: Ç ´ ] È Â ô Ç ´ V r 2012 s [ v...p4 p5 10 $ ò 1 i 1 V r M F > | 1 I 1 k ß d ¸ Å V r 1 k ß é 1 k ß 530 180,000 z 190 z 600 000 d ¸ ß V r 1 k ß- W3 $ | 1 2.37 8 È C

p1 | 2012

02

08

14

22

26

32

Page 4: Ç ´ ] È Â ô Ç ´ V r 2012 s [ v...p4 p5 10 $ ò 1 i 1 V r M F > | 1 I 1 k ß d ¸ Å V r 1 k ß é 1 k ß 530 180,000 z 190 z 600 000 d ¸ ß V r 1 k ß- W3 $ | 1 2.37 8 È C

p2 p32012 | | 2012

11% 33.6

33.592011 30.35

+11%

2011 11.0%

11.2%

80

80.64

80.642011 76.31

+6%

11.2%5

21102011 1950

+8%10

24302011 2250

+8%10

14.0%

12%

10%

14.0%

17.1%

III

03 04 0605 07 08 09 10 11 12

1,49

1

1,93

8

2,17

5

1,64

9

2,48

7

2,05

6

2,06

4

2,65

0

3,03

5

3,35

903 04 0605 07 08 09 10 11 12

4,26

5

4,47

9

5,34

4

4,33

8

6,16

3

6,03

1

6,60

3

7,06

6

7,63

1

8,06

4

17.1%03 04 0605 07 08 09 10 11 12

10.511.3 10.6 10.2

8.910.1

13.1

15.1

12.914.0

15.1 15.814.8 14.5

13.414.0

16.7

18.4

15.817.1

03 04 0605 07 08 09 10 11 12

14.8

16.4

18.7

16.7

20.5

19.8

25.4

26.6

28.8

31.7

10.1

12.5

9.8

12.3 12.7

10.1

8.4

10.211.0 11.2

64 70 8779 108

126

131

152

195

03 04 0605 07 08 09 10 11 12

211

03 04 0605 07 08 09 10 11 12

108

113

131

117

153

170

183

194

225

243

■ (%)

■ 10

■ %

■ %

Page 5: Ç ´ ] È Â ô Ç ´ V r 2012 s [ v...p4 p5 10 $ ò 1 i 1 V r M F > | 1 I 1 k ß d ¸ Å V r 1 k ß é 1 k ß 530 180,000 z 190 z 600 000 d ¸ ß V r 1 k ß- W3 $ | 1 2.37 8 È C

p5p4

10

180,000530

190 6 0 0 0 0 0,

3

2.37

2012 2011 2010 2009 2008 2007 2006 2005 2004 2003

8,064 7,631 7,066 6,603 6,031 6,163 5,344 4,338 4,479 4,265 4,450 4,328 4,141 3,999 3,421 3,545 2,975 2,312 2,523 2,473

417 722 911 1,529 784 431 135 203 63 541 4,157 3,733 3,332 2,536 2,712 3,224 2,910 2,163 2,509 1,992

3,359 3,035 2,650 2,064 2,056 2,487 2,175 1,649 1,938 1,491 1 450 – – (23) (127) (209) 94 303 497 –

– – 1,018 – – – – 1,128 440 430 3,809 3,035 1,632 2,041 1,929 2,278 2,269 824 1,995 1,061

353,033 340,847 283,710 258,644 256,718 232,963 197,372 180,204 175,671 159,479

2 210,519 194,720 152,094 130,583 126,481 108,433 86,630 79,462 69,659 64,330 317,035 307,778 250,608 229,145 232,715 209,805 176,326 161,014 156,796 143,574

2 242,907 225,346 193,692 183,432 169,858 152,944 131,373 116,884 113,206 108,041 31,574 28,178 25,985 24,759 19,386 20,048 18,242 16,291 16,011 14,259

163 616 614 614 433 433 433 433 433 559 31,737 28,794 26,599 25,373 19,819 20,481 18,675 16,724 16,444 14,818

3

1.39 1.30 1.15 0.91 1.14 1.39 1.22 0.94 1.10 0.85 1.57 1.30 0.70 0.90 1.07 1.27 1.28 0.46 1.13 0.60

10.99 9.95 9.18 8.29 7.69 7.98 7.22 6.41 5.80 4.87 12.96 11.99 11.25 10.85 10.25 10.55 9.79 8.98 8.88 8.18

4 0.56 0.56 0.56 0.56 0.65 0.68 0.65 0.49 0.34 0.26

% 2.79 2.28 1.25 1.57 1.55 2.15 2.46 1.17 4.14 3.03

44.8 43.3 41.4 39.4 43.3 42.5 44.3 46.7 43.7 42.0

0.97 0.97 0.98 0.80 0.84 1.15 1.15 0.93 1.16 0.97 1.10 0.97 0.60 0.79 0.79 1.06 1.20 0.46 1.19 0.69

11.2 11.0 10.2 8.4 10.1 12.7 12.3 9.8 12.5 10.1 12.7 11.0 6.3 8.4 9.5 11.7 12.8 5.0 12.8 7.3

1.2 1.3 1.9 2.9 1.5 1.1 1.7 2.1 2.5 5.2 142 126 100 83 114 135 115 97 89 63

14.0 12.9 15.1 13.1 10.1 8.9 10.2 10.6 11.3 10.5 17.1 15.8 18.4 16.7 14.0 13.4 14.5 14.8 15.8 15.1

1 2 3 2008 4 2007 2006 4

84%15

2012 | | 2012

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p7p6

废纸再循环

307

员工性别比率

58%女性员工

42%男性员工

通过拨款与指导所支持的社会企业数量

29

员工 监管者

员工总数

x18,000员工敬业度

总培训日数

137,000

据盖洛普的 全球性调查,员工敬业度位居所有企业的首10%之列

为不幸孩童筹得的善款 电子帐目报表项目的户头数量

120万100万新元给予储蓄银行爱心儿童基金

星展银行于2013年1月1日正式采纳巴塞尔协议III制定的资本架构。星展的各种流动性比率都高于巴塞尔委员会所制定的标准。

高级管理层通过参与各种业界论坛,讨论有关风险、资本及财务会计等课题,积极与监管单位联系。

公吨

每3个领导职位,就有1名由女性出任

社会

2012星展集团常年报告 | 关键摘要 关键摘要 | 2012星展集团常年报告

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p8

2012 |

Page 8: Ç ´ ] È Â ô Ç ´ V r 2012 s [ v...p4 p5 10 $ ò 1 i 1 V r M F > | 1 I 1 k ß d ¸ Å V r 1 k ß é 1 k ß 530 180,000 z 190 z 600 000 d ¸ ß V r 1 k ß- W3 $ | 1 2.37 8 È C

p9

2012

2%

2011

9.3% 7.8%

2011

5.2% 1.3%

4.9% 1.4%

38.1

5

38.1

4.5

11% 33.6

11.2% 5

2010

65%

58%

2012

23% 24%

2012 7.16

2009

17% 28%

25%

87%

2009

| 2012

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p10

2012

Bank Danamon

8

2012

184

2.37

2012 |

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p11

2012

10%

10%

| 2012

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p12

100

1877

POSB

28

56

2013 5 13 14 15

Andre

Sekulic

Andre

35

2013 4

2007 6

2012 |

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p13

2012

| 2012

1 8

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1 Bart Joseph Broadman 2 3 Andre Sekulic4 5 6 趙

7 8 Nihal Vijaya Devadas Kaviratne CBE9 10

1

2

3

4

5 6

7

8

9

10

p15p14 | 20122012 |

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p16

53

• 2009 11 9• 2012 4 25• 3 3

• ................................ • .................................. • .......................................... • .................................................... • .................. • ..................... • ...................................... • ............ • ................................... • ...................................... • ................. •

.....................

3

66

• 2009 11 16• 2010 5 1• 2012 4 25• 3 3

2012 4 26

• ................................................. • ........................................................... • ............................................................... • STATS ChipPAC .......................................

• .......................................... • ..................................... • ................................ • ....................................... • ......................................

3

• ................................................. • .................................................

2013 2 28

2012 |

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p17

64

• 2007 6 1• 2011 4 28 (1)

• 5 9

• ................................................. • .......................................... • ....................................... • .............................................

• ................................................ • ..................................... •

........................................... • CLG ....................................... • ............................. • ................................ • .................................................... • ............ • ......................... • ............................... • ...........................................................

3

• Winsor ...............................

1 2013 4 29 14

Bart Joseph Broadman, 51

• 2008 12 17• 2011 4 28• 4 3

• ................................................. • Alphadyne .......................... • Alphadyne ............................ • ........................ • .......................................

3

| 2012

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p18

57

• 2008 12 1• 2011 4 28• 4 3

• ................................................. • .............................................

• ................................................. • ............................... • ..................

3

• Aviva PLC .............................................................. • ...................................

2012 |

60

CNAA

• 2011 4 29• 2012 4 25• 1 10

• (1) ..................................................

• ................................................. • ................... • .......................................... • Hexa-Team Planners ......................... • ..............................................

3

• ..................................................... • ...................................

1 SP Australia Networks Distribution SP Australia Networks RE

SP Australia Networks Transmission

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p19 | 2012

Nihal Vijaya Devadas Kaviratne CBE, 68

• 2011 4 29• 2012 4 25• 1 10

• Akzo Nobel ...................................... • ............................................. • ...................................... • .................................................

• ................................................. • TVS Motor Company (Europe) BV ......................... • ......................... • PT TVS Motor Company .............................

3

• Agro Tech ........................................ • Titan ................................................

49

• 2012 4 26• • 10

2012 5 1 2012 6 1

• ................................................. • ................................ • ....................................................

3

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p20

Andre Sekulic, 62

• 2012 4 26• • 10

2012 5 1

2012 5 1

• ................................................ • comGateway .......................... • Hussar .............................................. • Insourcing ................................. • ourGroup ....................................................... • Queenstar ........................................ • Queenstar ........................................

3

趙 57

• 2010 10 1• 2011 4 28• 2 5

• ..................................................

• ................................................. •

........................................ • .................... • ............................................................... • ............................................. • ..........................................

3

2012 |

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46 1860

Page 20: Ç ´ ] È Â ô Ç ´ V r 2012 s [ v...p4 p5 10 $ ò 1 i 1 V r M F > | 1 I 1 k ß d ¸ Å V r 1 k ß é 1 k ß 530 180,000 z 190 z 600 000 d ¸ ß V r 1 k ß- W3 $ | 1 2.37 8 È C

p23p22

1 David Gledhill

David 25

20 2008

David

David

2 Elbert Pattijn

Elbert 2008

3

30

2007 2009

4

5

2008

5 2003

16

6

1983 2008

10

6

Bank of the Philippine Islands

7

2000

25

1995 1999

1986

1995

1

2

3

4

5

6

7

| 20122012 |

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p25p24

20

1

2

3

4

5

6

7

8

9

10

11

12

13

1

2 Kenneth Fagan

Kenneth 2008

30

25 1994

3

2008

4

25

5

25 2005

6

20

7 Sanjiv Bhasin

Sanjiv 2008

Sanjiv

1979

Sanjiv

8

25

20

9

10

28

11

1978

Hwang-DBS Investment Bank

Berhad

12

2008

4

25

13

20

| 20122012 |

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p27p26 | 2012

04

03

011

2 Microtile

3 60

4

5

05050502

2012 |

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p29p28

02

01 04

03

1

2 Facebook

3

4

| 20122012 |

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p31p30

1 200 8 愛1

2

3

4 20082012

02

03

01 04

| 20122012 |

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1 102 2020

2020 1 11.5

4.6 102.5

2020 17%2

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p33

2010

2000

8

| 2012

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p34

2012

2012 |

1.

2.

3.

4.

5.

6.

7.

8.

9.

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p35

KPIS

2012

| 2012

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p36

2012

64%

69%

2012

31% 27% 13%

44%

III

2012 |

• • • • •

• •

• •

1.

2.

3.

4.

5.

6.

7.

8.

9.

50

%5

0%

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p37

2012 2011 %

5,285 4,825 10 1,579 1,542 2

689 680 1 511 584 (13)

8,064 7,631 6 3,614 3,303 9

4,450 4,328 3 417 722 (42)

4,157 3,733 11 3,359 3,035 11

450 – NM

3,809 3,035 26

1 210,519 194,720 81 29,407 27,183 8

353,033 340,847 42 242,907 225,346 8

2 25,908 28,087 (8) 317,035 307,778 3

31,737 28,794 10

% 1.70 1.77 –

34.5 36.8 – 44.8 43.3 –

0.97 0.97 – 11.2 11.0 –

86.7 86.4 – 1.2 1.3 –

10 11 – 14.0 12.9 –

17.1 15.8 –

– 1.39 1.30 –– 1.57 1.30 –– 12.96 11.99 –

– 1.37 1.26 –– 1.56 1.26 –– 12.86 11.75 –

1 2 NM

| 2012

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p38

80

11.2%

2012 |

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p39

38.1

4.5

11% 33.6

80

11.2%

10% 52.9

12% 2,110

7 1.70%

27.8

6%

8.68 44%

9%

36.1 45%

23%

1.98 10 2.11

160

4.5

6% 27 46%

1.2%

142%

10% 2,430

87%

AA-

Aa1

2009

6.34 2011 4.11

4.19 2011 4.54

14.0%

17.1%

III

2013 1 1

2013 1 1

2012 12 31

III

13.5% 2018

1 1

11.8%

2013 1 1

4.5% 2019 1 1 9.0%

| 2012

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p40

2013

2013

+20% 21,000

600,000 2,200,000

232011 22 4

+13%

(b)

+18% +18%

(a)

49%2011 45%

1.6%2011 1.7%

2012

150 (a) (b)

2012 |

2012

43 1 22011 40 1

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p41

(a)

2012

2,300 4,312 1,119 333 8,064

1,602 1,416 462 134 3,614

698 2,896 657 199 4,450

605 2,690 660 202 4,157

2011

2,204 4,010 1,152 265 7,631

1,561 1,319 420 3 3,303

643 2,691 732 262 4,328

572 2,259 730 172 3,733

(a)

4% 23

6% 6.05

27% 7.87

2011

20% 560

89

1 100 450

53%

19% 360

35% 140

24%

2011 11

6 19

| 2012

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p42

13%

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3

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12%

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p43

3% 11.2

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| 2012

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p44

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p45

5% 49.7

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Alpha Southeast

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50%

2012

| 2012

(a)

2012

4,966 1,532 663 591 312 8,064

2,088 678 498 275 75 3,614

2,878 854 165 316 237 4,450

2,079 716 110 293 161 3,359

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4,719 1,453 612 557 290 7,631

1,948 646 397 247 65 3,303

2,771 807 215 310 225 4,328

1,877 571 178 285 124 3,035

(a)

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p46

2012

25% 7.16

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35%

70%

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p47

8%

38% 1.1

| 2012

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p48

2012 1

17% 16%

22%

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120%

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8%

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1.61

770

2012 |

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p49

530

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p50

11 43

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p51

10,000

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p52

20

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2010

2012

2012

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p53

DBS Cares

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p54

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p55

– – 1877

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p56 2012 |

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Bart Broadman

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2012 8 3

David Gledhill

Elbert Pattijn

Sanjiv Bhasin

Kenneth Fagan

Tricor Barbinder Tricor

80 #02-00068898

(65) 6236 3333(65) 6236 4399

8#17-00 PWC

048424

Dominic Nixon2008 4 2

2008 4 1

123

018982(65) 6878 8888www.dbs.com

[email protected]

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www.dbs.com199901152M

20122009 – 2013

| 2012