Half Year 2019 DBS Group Holdings Ltd Earnings Call Transcript
Thank you. Over to you.
So hello, everybody, and welcome to our second quarter session for the buy and sell side. We'll go straight into Q&A. I'm going to ask those in the room. Does anybody? Yes.
Questions & Answers
I'll just ask -- I just wanted to clarify or make sure that I get it right what you're saying on loan MAS charge.
So [the other split here is] Obviously, below the cycle average loan discharged, this looks very cheap.
And then as we go forward, you're obviously, talking about -- there's a possibility you'll get some recoveries. So you're saying over the next 2 or 3 years, you can also keep loan MAS charge below the -- through the cycle average.
Actually we've got 2 or 3 things happening here. One, we were very conservative in provisioning. And so we really built
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