A customer uses a DBS Group Holdings Ltd. automated teller machine (ATM), standing between the ATMs of United Overseas Bank Ltd. and Oversea-Chinese Banking Corp. Ltd., at Changi Airport in Singapore, on Thursday, July 28, 2011. DBS Group Holdings Ltd., Southeast Asia's largest bank, posted second-quarter earnings that missed analysts' estimates as trading income fell 47 percent and loan profitability shrank. Photographer: Munshi Ahmed/Bloomberg via Getty Images