Investor Presentaiton

Consumer and SME (Singapore, Hong Kong) Pre-empt disruptors +6pp from 2015 Income 11% Cost-income ratio ROE CAGR1 vs Group: 4% 49% 2015 43% 22% 24% 2017 2015 2017 44% S$5.1bn 2017 income: S$11.6bn 2017 figures annualised based on 1H17, where applicable 12015-2017 ■ Jewel in the crown Likely to grow income at double-digit ■ Has potential to contribute ~50% of the bank's income in 5 years >DBS 26

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