Bank Loans and Advances to Non-Bank Customers by Industrial Class. From November 1998, with the acquisition of POSBank by DBS, POSBank's data has been incorporated as part of the banking system. Prior to June 1999, data on bills financing include bills refinanced by the Monetary Authority of Singapore. History is stored independently for monthly, quarterly and yearly frequencies. HP values for these frequencies may not match each other. Note that when only one frequency is stored in history, for the other frequencies, history is derived from that of the stored frequency. For example, HP W, HP M, HP Q and HP Y will derive data from HP D when only daily history is stored, HP Q and HP Y will derive data from HP M when only monthly history is stored. As another example, if both daily and monthly are stored, HP W will derive data from HP D, while HP Q and HP Y will derive data from HP M and so on.