Digitalisation and Value Creation

P&L for Digital and Traditional segments based on customer view Consumer and SME (Singapore, Hong Kong) Traditional Income Cost Direct Indirect Overheads Profit CIR Digital Income Cost Direct Indirect Overheads Profit > End-to-end P&L constructed following a set of principles · • • CIR • Digital and Traditional customers identified based on banking behaviour Complete attribution of all income streams and costs Full reconciliation to Group financial statements Granular data to ensure methodology rigour Time-tested over three years ☑DBS 7

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