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DBS Group Holdings Ltd

D05 · SGX · Financials, banks · Singapore · IFRS · Fiscal year ends December

Latest report: FY2025, the fiscal year ended 31 December 2025, its statements approved by the board on 6 February 2026. Snapshot FY2025_45244fd4.

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Overview

Total income, fiscal year
+2.7% year on year
Profit before tax, fiscal year
+0.9% year on year
Profit attributable to owners of the parent, fiscal year
−3.2% year on year
Return on equity, fiscal year
−1.4pp year on year
Cost-to-income ratio, fiscal year
+0.4pp year on year
Credit cost ratio, fiscal year
+0.03pp year on year

Select a figure to see the document it came from.

Key Findings

Findings for the latest fiscal year, with their history over earlier years.

  1. Total income for the fiscal year ended 31 December 2025 was S$22.9 billion, 2.7% higher than in the previous fiscal year.

    Weakenedin FY2025 · stated since FY20232.7% from 10.6% in FY2024
    Rule: Revenue against the previous fiscal year · Sources Annual report 2025-12
    History of this finding, 3 records
    1. FY2025 WeakenedTotal income for the fiscal year ended 31 December 2025 was S$22.9 billion, 2.7% higher than in the previous fiscal year.Recorded from FY2025_45244fd4 · data update
    2. FY2024 WeakenedTotal income for the fiscal year ended 31 December 2024 was S$22.3 billion, 10.6% higher than in the previous fiscal year.Reconstructed · data update
    3. FY2023 NewTotal income for the fiscal year ended 31 December 2023 was S$20.2 billion, 22.2% higher than in the previous fiscal year.Reconstructed · initial

  2. Profit attributable to owners of the parent for fiscal 2025 was S$10.9 billion, 3.2% lower than in the previous fiscal year.

    Newin FY2025 · first stated
    Rule: Profit against the previous fiscal year · Sources Annual report 2025-12
    History of this finding, 4 records
    1. FY2025 NewProfit attributable to owners of the parent for fiscal 2025 was S$10.9 billion, 3.2% lower than in the previous fiscal year.Recorded from FY2025_45244fd4 · data update
    2. FY2025 RetiredThe finding changed to lower than a year earlier.Recorded from FY2025_45244fd4 · data update
    3. FY2024 WeakenedProfit attributable to owners of the parent for fiscal 2024 was S$11.3 billion, 12.2% higher than in the previous fiscal year.Reconstructed · data update
    4. FY2023 NewProfit attributable to owners of the parent for fiscal 2023 was S$10.1 billion, 22.8% higher than in the previous fiscal year.Reconstructed · initial

  3. Return on equity for fiscal 2025 was 15.9%, against 17.3% in the previous fiscal year.

    Newin FY2025 · first stated
    Rule: Return on equity against the previous fiscal year · Sources Annual report 2025-12, Annual report 2024-12
    History of this finding, 4 records
    1. FY2025 NewReturn on equity for fiscal 2025 was 15.9%, against 17.3% in the previous fiscal year.Recorded from FY2025_45244fd4 · data update
    2. FY2025 RetiredThe finding changed to lower than a year earlier.Recorded from FY2025_45244fd4 · data update
    3. FY2024 WeakenedReturn on equity for fiscal 2024 was 17.3%, against 16.9% in the previous fiscal year.Reconstructed · data update
    4. FY2023 NewReturn on equity for fiscal 2023 was 16.9%, against 14.3% in the previous fiscal year.Reconstructed · initial

  4. The cost-to-income ratio for fiscal 2025 was 40.8%, against 40.4% in the previous fiscal year.

    Newin FY2025 · first stated
    Rule: Cost-to-income ratio against the previous fiscal year · Sources Annual report 2025-12
    History of this finding, 4 records
    1. FY2025 NewThe cost-to-income ratio for fiscal 2025 was 40.8%, against 40.4% in the previous fiscal year.Recorded from FY2025_45244fd4 · data update
    2. FY2025 RetiredThe finding changed to higher than a year earlier.Recorded from FY2025_45244fd4 · data update
    3. FY2024 WeakenedThe cost-to-income ratio for fiscal 2024 was 40.4%, against 41.1% in the previous fiscal year.Reconstructed · data update
    4. FY2023 NewThe cost-to-income ratio for fiscal 2023 was 41.1%, against 43.0% in the previous fiscal year.Reconstructed · initial

Records before FY2025 are reconstructed from the latest snapshot. Ledger: findings.json.

Data

Source documents5 documents, latest Annual report for the year to 31 December 2025List
DownloadsExcel workbook · JSON
SnapshotFY2025_45244fd4

Corporate Events

Corporate events are listed for companies whose figures come from 10-K and 10-Q filings; none are listed for this company.

Earnings, Returns and Balance Sheet

Total Income

By fiscal year, Singapore dollars

Profit Before Tax

By fiscal year, Singapore dollars

Profit Attributable to Owners of the Parent

By fiscal year, Singapore dollars

Revenue Mix

Share of total income by fiscal year, per cent

Return on Equity

By fiscal year, per cent

Cost-to-income Ratio

By fiscal year, per cent

Credit Cost Ratio

Allowances for credit losses over average loans, by fiscal year, per cent

Loan-to-deposit Ratio

At fiscal year end, per cent

Financial Statements

Figures as filed. Select a figure for its source document and method; a small d marks a figure derived from other figures of the same report.

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Ratios

Select a ratio for its formula and the figures it uses, each with its document; (i) gives its definition.

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Source Documents

Documents of this snapshot, latest first. A report that states no date of publication carries the date on which its board approved the statements.

DocumentDateIdSHA-256
Annual report for the year to 31 December 20256 Feb 2026, the date on which the board approved the statementsAR:dbs-group-2025-12-31e7952ba9dff9
Annual report for the year to 31 December 20247 Feb 2025, the date on which the board approved the statementsAR:dbs-group-2024-12-311ed370bc84dd
Annual report for the year to 31 December 20236 Feb 2024, the date on which the board approved the statementsAR:dbs-group-2023-12-315059e3347435
Annual report for the year to 31 December 202210 Feb 2023, the date on which the board approved the statementsAR:dbs-group-2022-12-31f9e17ebb1834
Annual report for the year to 31 December 202111 Feb 2022, the date on which the board approved the statementsAR:dbs-group-2021-12-310731d9002b64

Checks

409409 checks, all passed
Statement arithmetic255 passedIn every annual report used, the lines of each statement add up to the totals printed under them, profit before tax less income tax gives the profit, the balance sheet balances, and the cash at the end of each year is the cash at its start with its change. A report that fails one is not used. Checked at error level.
Note10 passed Checked at warning level.
Fiscal calendar11 passedFiscal years last 350 to 380 days, and each starts on the day after the one before. Checked at error level.
Coverage2 passedThe latest fiscal year gives total assets and a profit figure. Checked at error level.
Balance sheet identity6 passedTotal assets equal total liabilities and equity at each balance sheet date. Checked at error level.
Earnings per share6 passedProfit divided by earnings per share gives a number of shares in line with the other years. Checked at warning level.
Agreement between annual reports119 passedA value of a year that the annual report of the year and that of the next year give in the same amount. A value that the later report gives differently is listed as a restatement, and the later value is used. Checked at warning level.

Data Quality

How many values of this snapshot the checks prove, and how many Annalist derives, withholds and tracks as restated. Every company.

Values published186
Confirmed by other figures67.2%, 125 values
Confirmed by a second document64.0%, 119 values
Derived from reported figures0.0%, 0 values
Values withheld0
Restated figures tracked5
Changes compared on one basis2
Company lines mapped0 of 0 reviewed

Citation

Annalist, DBS Group Holdings Ltd, snapshot dbs-group/FY2025_45244fd4 (as of FY2025); <item label>, <period>; source <document id> (<document url>)

Snapshot FY2025_45244fd4 · dataset SHA-256 45244fd4e1dff72ae4b8bcd9917ba2d0535d4e55e2b82e8bad1e202798bf00bf · findings rules 0.5

Data: info.json · dataset.json · validation.json · documents.json