Annual Report - Financial Highlights pt 3

	Financial Highlights (pt 3)
	Group Customer Loans & Advances & Customer Loans to Total Assets Ratio
	Customer Loans & Advances, including Bills Receivable 1998: S$56.2 billion (+40.1%) 1997: S$40.1 billion	The increase was attributable to the consolidation of POSBank's (S$13.4 billion) and TDB's (S$3.8 billion) loans. Excluding this, customer loans would have declined by 2.8%. Total Assets Customer Loans to Total Assets Ratio 1998: 56.8% (-4.8 percentage points) 1997: 61.6%
	Group Customer Deposits
	Customer Deposits 1998: S$73.9 billion (+120.1%) 1997: S$33.6 billion	The increase was mainly attributable to the consolidation of POSBank's (S$28.1 billion) and TDB's (S$5.0 billion) deposits. Excluding this, growth would have been 21.4%. The Group continued to actively manage its liabilities, balancing liquidity and cost.
	Group Total Assets & Return on Average Total Assets (ROA)
	Total Assets 1998: S$99.0 billion (+51.9%) 1997: S$65.2 billion The increase was due mainly to the consolidation of POSBank's (S$29.4 billion) and TDB's (S$5.4 billion) assets.	Return on Average Total Assets 1998: 0.27% (-0.45 percentage points) 1997: 0.72% The decline in ROA was due to the lower profit in 1998.
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