DBS delivered strong financial results despite facing significant external challenges such as lower interest rates and geopolitical uncertainties. The bank achieved record levels in several areas, including income and wealth management, supported by strategic initiatives in digital assets. However, the impact of declining interest rates and subdued loan growth in certain regions posed challenges. Overall, the bank demonstrated resilience and proactive management, positioning itself well for future uncertainties.

Company Guidance

In the second quarter of 2025, DBS reported a 5% increase in profit before tax to $3.39 billion, while net profit rose 1% to $2.82 billion. Total income grew 5% to $5.73 billion, bolstered by higher net interest income, fee income, and markets trading income, which hit a 13-quarter high. The bank maintained a stable cost-to-income ratio of 39% and improved its asset quality with a reduction in the non-performing loan ratio from 1.1% to 1.0%. The CET1 ratio stood at 17.0% on a transitional basis. DBS declared a total dividend of $0.75 per share for the quarter. Despite challenges such as falling interest rates and currency fluctuations, the bank's proactive balance sheet management and robust deposit growth contributed to its resilient financial performance.

Record Performance in a Challenging Environment

DBS reported a strong set of results despite challenging market conditions, with a 5% increase in profit before tax to $3.39 billion and a 1% rise in net profit to $2.82 billion for the second quarter.

Broad-Based Income Growth

Total income grew 5% to $5.73 billion, supported by higher net interest income from strong deposit growth and proactive balance sheet hedging. Markets trading income more than doubled, reaching a 13-quarter high.

Asset Quality and Capital Strength

The NPL ratio improved from 1.1% to 1.0%, and capital remained strong with a CET1 ratio of 17.0% on a transitional basis.

Dividend and Share Buyback

A total dividend of $0.75 per share was declared for the second quarter. Additionally, $370 million worth of shares were bought back under the share buyback program.

Wealth Management Growth

Wealth management fees rose 30% to $1.37 billion, with assets under management growing 16% year-on-year to $442 billion.

Digital Asset Initiatives

DBS made significant strides in the digital asset space, including a 171% increase in digital exchange volumes and initiatives like programmable money using blockchain.

DBS Group Holdings (SG:D05) Earnings, Revenues Date & History

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SG:D05 Earnings History

Report Date	Fiscal Quarter	Forecast / EPS	Last Year's EPS	EPS YoY Change	Slides	Play Transcript
Nov 06, 2025	2025 (Q3)	0.96 / -	1.058	―	―	―
Aug 07, 2025	2025 (Q2)	0.97 / 0.99	0.981	1.12% (+0.01)
May 07, 2025	2025 (Q1)	1.01 / 1.02	1.142	-10.68% (-0.12)
Feb 10, 2025	2024 (Q4)	0.93 / 0.90	0.83	8.43% (+0.07)
Nov 06, 2024	2024 (Q3)	0.98 / 1.06	0.914	15.75% (+0.14)
Aug 07, 2024	2024 (Q2)	0.95 / 0.98	0.948	3.48% (+0.03)
May 02, 2024	2024 (Q1)	0.91 / 1.14	0.914	24.95% (+0.23)
Feb 07, 2024	2023 (Q4)	0.83 / 0.83	0.814	1.97% (+0.02)
Nov 05, 2023	2023 (Q3)	0.89 / 0.91	1.102	-17.06% (-0.19)
Aug 03, 2023	2023 (Q2)	0.85 / 0.95	0.636	49.06% (+0.31)	―	―

The table shows recent earnings report dates and whether the forecast was beat or missed. See the change in forecast and EPS from the previous year.

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Missed

SG:D05 Earnings-Related Price Changes

Report Date	Price 1 Day Before	Price 1 Day After	Percentage Change
Aug 07, 2025	S$49.02	S$50.00	+1.99%
May 07, 2025	S$41.44	S$41.76	+0.77%
Feb 10, 2025	S$42.70	S$43.37	+1.57%
Nov 06, 2024	S$36.94	S$39.34	+6.51%

Earnings announcements can affect a stock’s price. This table shows the stock's price the day before and the day after recent earnings reports, including the percentage change.